[心得] 貸款投資定存股試算已回收
最近一直想要試算
如果利用 20 年 2% 房貸貸款 200w 投資定存股套利
然後 1 年存款 20w
存滿 100w 之後投資 6% 定存股
20 年之後變成多少錢?
如果順利的話,一年可以獲得 12w 的股利
而且因為扣抵稅率 20% > 所得稅率 5%(因為魯蛇薪水很少)
所以可以獲得退稅 1.8w
至於房貸利息可以抵稅這個沒有計算進去,因為金額沒有很大
本金攤還一個月 10,118 元
我一直覺得貸款投資定存股的風險比貸款做生意的風險小
順利的話,可以拿到存款 + 股票 + 股息 + 退稅 = 8,021,680 元
假如房貸的部分有人可以幫忙負擔(ex : 房客)
總資產可以提升到 1,000 萬以上
事實上自己存款大概 400 萬左右,其他都是靠投資股票
但是 20 年的時間很久,不確定因素很多(升息、股利不如預期、系統風險…)
如果可以找到 10 年 2% 的貸款,風險稍微小一點
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