[請益] 26歲男理財規劃
目前月收入大概200k-230k
卡費加雜支大概45k + 孝親費8k
定存:1700k
活存:700k
保險:儲蓄險100萬(已繳完)+20萬郵局小額儲蓄險(明年領回)
剛買一房 貸款940萬 利率1.70% 20年期 寬限期3年 若本利攤的話一個月大約是52484左右
我想請問板上各位高手前輩們
1. 若是這種情況 會建議剛開始就本利攤還嗎 還是說只還利息(寬限期內)將其餘資金拿去
投資?
2. 我之前在研究儲蓄險的部分(台幣,美金) 我這個狀況 會建議儲蓄險投資嗎?大概保
額跟年期是多少?
3. 若是各位大大們 會如何分配這些剩餘的資金呢(因為本身對於股票不是很懂,但有
想慢慢瞭解)
謝謝各位的意見
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