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Homebloggerhk 按揭 買樓 理財 基金 股票


金Sir – 千三萬退休堅離地嗎?

Kennedy Town 20150613

 

剛過的週五於Now TV的訪問,網上重播果段其實關於內房和內房股的,可能未必是大家最需要知道的。大家均知,不少香港人開口埋口茶餘飯後都談論投資,都是為了退休做準備。近日,某保險公司向自認中產人士做調查,結果發現接近八成(79%)的中國大陸、香港、韓國及台灣受訪者對生活感到滿意。然而,只有少於一半(41%)的受訪者在對生活感到滿意並同時具成功感。大部分受訪者將健康、安心、無憂和舒適的退休生活列為首要的人生目標。

 

但其中最重要的,是 http://www.laclefdeschamps.mu/statement/pismennie-ruchki-premium-klassa.html 香港的中產階層認為需要約 172 萬美元(1,340 萬港元)才可以安享退休生活, 2013年調查的有關金額為140萬美元(1,100 萬港元),退休調查對象感覺所需,短短兩年內上升了超過兩成。平均來說,他們每月儲蓄 9,553港元(1,228 美元)作退休之用。逾半數(52%)香港中產階層並無計劃退休,當中47%表示這是由於他們的儲蓄不足以支持退休生活。節目主持人問到筆者,究竟這個數字屬於合理,還是「堅離地」,能否實現呢?

 

筆者的答案相當簡單,其實退休後需要多少錢,並不在乎是中產抑或拍擋諗Sir所言之窮中產或是偽專才,而是閣下的年紀與資產配置。如閣下今年已屆花甲,兒女已出身又沒有不良大花筒嗜好,一千三百多萬配合適當資產配置,應該可以夠你安享晚年(當然只係擺舊錢向獅子銀行係除左如金鐘罩般安全感以外,並不能產出賺價或收息以提供晚年所需的)。

 

假如閣下是男人四十一支花、或是花樣年華的OL,則上面所見到的預期退休資產增幅(兩年加兩成),已經足以警示各位『你不理財,財不理你』。不做適當資配和投資,強迫金及iBond是救不到大家的。是難以追到退休所需的。究竟是大價股年賺兩成適合你,還是高息股?債券年賺十巴仙,還是財技股一博?還是買磚收租,或靠黃金認為可抵禦通脹?何時投資那類資產?這都是如該保險公司月儲一萬以外,必需要從心底知道的。只要閣下資產配置適當,不單不會堅離地,時間永遠是你的朋友,兼且晚上唔會發惡夢添!

 

作者簡介:陳建良(洋名KL) ,人稱金Sir
https://www.facebook.com/smartobservers/

KL曾任職基金經理,主管資產營運,位至公司董事;於2008年金融海嘯期間,旗下基金獲+20%年度業績回報,增長淨值率創下當年同業最高,自此廣為基金界所認識。KL曾在世界500強企業擔任中高層管理人員,是學術與實戰雙軌並行的主義者,他主張公司業務應不斷與現代科技融合,藉以優化公司營運效率及提升市場競爭力。

KL現為財經報刊及節目專訪的熱門人選,其撰文散見於《信報》專欄,亦數度為《經濟一週》封面專訪人物,最近在now財經台《名家給力場》擔任客席嘉賓。擅長以微觀現象捕捉大市及行業方向的KL,著有暢銷書《財經拆局》及《微觀看勢》。

 

20151106-nowTV





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