Re: [情報]可以介紹現在的投資方式有哪些.例:基金딠…
※ 引述《jordan0981 (諾威良)》之銘言:
: 我月薪32000 今年25歲男人
: 請問現在的情勢要作何種投資會比較有利勒
: 我已經在20歲時買了終身壽險......這算是投資嗎
: 現在有好像有幾種投資的項目......
: 基金.外幣活存.外幣定存........還有哪些
: 請問哪種比較適合我........幫幫我
: 如果是以上幾種個別的利弊為何
你生活準備金有備妥?6~12個月
再看你壽險保額多少?看你跟耶穌見面時後想留給你家人多少
利用重大疾病險也可以當壽險用 預算不夠就用定期壽險拉高保障
先有保障後有多餘的資金再去做投資
投資前要做功課~以及自己需求
將來要...
結婚-結婚基金(大概100萬吧,因人而異,聘金喜餅金飾...等,不過"或許"可以回收)
生子-教育基金
從受精開始到大學畢業大概550萬不等,也是因人而異,以現在社會應該都不止
養孩子到22歲,科科
房子-購屋基金(看你想住哪?現在房價...基隆現在還是有一坪5~8萬的)
車子-購車基金(QQ...)
退休-養老基金
科科~很多人都會認為對剛出社會規劃太早,早一點確立目標不會不好,
看妳幾歲想退休,每月生活費需要多少,活到多久了無遺憾,可以大概推估
人生大概就這4個階段必須面對...其他尚有旅遊基金等等非必須品~不多贅述
知道目標要怎樣去累積財富或是多快想要達到你目標
你10年內想要有700萬房子 如果用只儲蓄有辦法嗎?
以你32000月薪,給你每年調薪2%,每月存15000
10年存到200萬當頭期款...接下來還有500萬連本帶利要負擔以2%固定房貸利來說
(每還過利息,貸款額度會降低,所以要付的利息錢會降低,這樣20年平準下來)
平均一年就要303528的利息
每月大約要準備""25294""房貸費用連續20年
不過你可能結婚了這25294就是2個人負擔!
煙...
這邊順道報告一下
你要買重大疾病的定期險要仔細挑選
會推定期的重大疾病險保險公司 看他們公司經營狀況...
不然為什麼大咖保險公司都不推定期的重大疾病????
就有個實例發生過:
心肌梗塞不是只要有心肌梗塞就是符合"重大疾病"
某家賣定期重疾的保險公司就以不是"重大手術"為由拒絕理賠
還是因為在他家保險公司有協助理賠重疾,幫忙調查心肌酶指數跟是否有心絞痛
確定有符合這些症狀,他家保險公司的重疾有理賠下來後
才拿那些報告去跟賣定期重疾保險公司索取理賠
保戶差點就要去投訴了XDDDD
才心不甘情不願的理賠下來
如果沒有他家保險公司協助替這個保戶爭取權益,買定期重疾真的有保障嗎???
天下沒有白吃的午餐
不賠的保險才是最貴的
謹此~
保單條款一定要看清楚...
大家快去看自己定期重疾的條款吧...是不是跟終身型的有什麼不一樣
(煙~~~)
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※ 編輯: enihsynnus 來自: 118.160.238.3 (06/11 20:11)
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