關於現金200萬的資產分配 - 存股

By Joseph
at 2022-02-13T22:08
at 2022-02-13T22:08
Table of Contents
目前33歲 單身男 住家裡
沒有任何貸款/負債/保險 (未來會買一點癌症定期險)
年收約110萬 每年大概有72萬可支配
手上大約有200萬現金活存
老實說拖了超級無敵久 才來認真準備資產規劃 (第一張0050買在60元...)
之前都是一直想想 然後就忘了 才會變成這樣滿手現金...
目前想法如圖
https://imgur.com/a/I2nrBdP
1. 依照年齡區間 調整股債比
2. 台股個股 想自己試著選選看 但比例不會太高
3. 美股個股 同2. 會選這兩檔...就信仰XD
4. 日幣 是想說現在很便宜 想買來放著 哪天再轉回去
5. 黃金/房產 本來有打算 不過研究許久 目前沒打算
6. ETF 應該就那樣
7. 預計第一年(今年) 分成3次進場 第二年拿去年存到的 依比例投進去
8. 平台個人比較偏好TD
不太喜歡小筆定期定額 所以沒考慮豐存股
而一下子要投那麼多標的還要分次 複委託花費也會比較高吧!?
不知道大家有沒有什麼建議要注意的地方
感謝~
--
沒有任何貸款/負債/保險 (未來會買一點癌症定期險)
年收約110萬 每年大概有72萬可支配
手上大約有200萬現金活存
老實說拖了超級無敵久 才來認真準備資產規劃 (第一張0050買在60元...)
之前都是一直想想 然後就忘了 才會變成這樣滿手現金...
目前想法如圖
https://imgur.com/a/I2nrBdP
1. 依照年齡區間 調整股債比
2. 台股個股 想自己試著選選看 但比例不會太高
3. 美股個股 同2. 會選這兩檔...就信仰XD
4. 日幣 是想說現在很便宜 想買來放著 哪天再轉回去
5. 黃金/房產 本來有打算 不過研究許久 目前沒打算
6. ETF 應該就那樣
7. 預計第一年(今年) 分成3次進場 第二年拿去年存到的 依比例投進去
8. 平台個人比較偏好TD
不太喜歡小筆定期定額 所以沒考慮豐存股
而一下子要投那麼多標的還要分次 複委託花費也會比較高吧!?
不知道大家有沒有什麼建議要注意的地方
感謝~
--
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