[問題] 28歲夫婦的理財請益
我和老公月薪總收入約140K 年收入約180W
目標是希望2年內存到300萬頭期款在新北買房
我們剛結婚不久 因為還在想要如何共同理財比較好 所以現在還是各自管理
目前我們共同的資產約100萬(活存+定存+目前基金+目前股票) 未來2年內還要存200萬
以下是我知道的每月共同開支(以下都是兩人合計):
孝親費: 24500
學貸: 3000 (還有約36萬要還)
房租: 8000 (含水電)
投資: 33000 (2人共1萬元定期定額買高風險基金+8000元美元儲蓄險+15000元股票零股)
伙食: 13000 (外食族)
手機: 2700 (都是中華的1350方案)
交通: 2400
保險: 4000 (每人每月約2000元)
娛樂: 1500 (看電影,含偶爾買衣鞋)
其他: 2000 (交際費,日常生活用品)
緊急: 20000
-----------------------------------------
共: 114100 元/月
剩餘: 25900 元/月
ps.股票是每月買中華電零股
我們不敢在股票市場殺進殺出,
請問需要如何調整投資比例? 或是其他開支是否須再調整?
扣掉目前投資和開支 每月剩約26000元 這筆錢如何再增加到投資?還是要全部定存較好?
先謝謝理財高手的建議!!
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