Re: [請益] 現有新臺幣100萬現金該如何配置?
※ 引述《buniro (我愛秋)》之銘言:
: ※ [本文轉錄自 Bank_Service 看板]
: 作者: buniro (我愛秋) 看板: Bank_Service
: 標題: [請益] 手上有100萬現金要怎麼分配好(30歲)?
: 時間: Thu Mar 20 10:24:04 2008
: 目前30歲無家累、收入穩定,近期無購屋購車等支出計劃,這100萬考慮做以下分配:
: 45%:臺銀新臺幣一年期定儲(不曉得央行本月還會不會升息?利率選機動好嗎?)
: 30%:台新TSIA二年期澳幣計價恆生指數連動債(保本保息,年息7%,手續費1.5%五折)
: 10%:臺股(想選高配息或董監改選行情個股,已開好戶但從沒碰過股票)
: 10%:HSBC Direct 活存,可彈性投入黃金存摺之類的
: 5%:定期定額加碼布局低點的基金(如新興亞洲、印度等)
尾巴三個建議不要用....因為加起來才25萬...
你花的精神要操作他一點都不值得....
而且十萬的台股只能買一張中價位的....
我的台股零股加一加都有這個價值了....我根本不想管他...
如果是我...我就全部換成紐幣....台銀一年利息6.9%....
一年就賺69000元了....
每年都可以換一部新機車...何樂而不為???
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