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25歲攞100萬做債基然後餘額置業?#958

諗sir您好, 本人今年25, 早在一年半前曾於此發問, 之後拜讀樓換樓和收息論,並參加了收息101,獲益良多。

 

小弟現有疑難,希望諗sir能給予意見。小弟現在協助家父打理生意, 月入37k,

 

流動資產 550K (276k 股票, 151k外幣, 37k 債券, 36k基金, 17k黃金, 33k 現金),

不動產(國內物業) 約750k。

 

因本人較節儉,扣除所有開支(家用,強積金,個人支出等)後每月平均能儲30k。本人女朋友正在外地申請居留權,未有固定正職,故暫沒法一起儲蓄置業。以小弟的牌面,究竟應先追求一生三宅還是利用收息產生正現金流提升購買力?

 

另外,小弟因家庭原因,欲提早於香港置業,以200-300萬作首期的話,應一筆過買一個單位五成上會放租還是拿100萬做債基然後餘額置業?另外因考慮將來住屋需要,如置業傾向於沙田,大圍,黃大仙,新蒲崗四區作選擇,那一區會比較好,萬望賜教。 心急人上

 

Метамфетамин внутривенно ANSWER:

就當女朋友有正職都不建議佢同讀者一齊置業,因要付買家印花稅15%。讀者係一個牌面自僱而行為像打工既人,一般打工既人儲蓄能力較低及借貸力都是弱項,可是由於家族生意每月可支取穩定月入更可將八成收入儲起。25歲未有資產配置的方向見550K資金樣樣買D、點都好年輕人有儲蓄意識已做好理財基本步。

 

由於「家庭原因」、讀者有200-300萬做首期,咁真係恭喜哂。相信與有些年輕人一樣,女友感情穩定後獲父母一筆過注資,解決上車煩惱。睇到呢度勸慰公屋仔不要「葡萄」,若你用時間上街及成功改變遊戲規則、更假設成為埋議員將權力交到閣下手上,只要內心未有能耐對抗溫飽後產出的腐敗行徑、惡運一樣會轉個頭找上門。到時唔係無錢、可能係要坐監。先高後低既人生更令人難受,緊記自己不是一無所有,健全既家及健康生活已要好去珍惜。

 

相信是上左收息課而未有時間上埋買樓班既原因,讀者對於樓的獨有性未全面了解。既然自己公司出糧比自己、只要依法做好文件基本上儲貸力再上一層樓係可以的,當然如果你係打工亦可自製多一個SOURCE OF INCOME 幫忙,但留意唔係搵朋友開幾張支票比自己扮出糧咁簡單,你用一個鐘諗到出黎既野,專業既approver一眼就睇穿。另外點解要趁後生買樓? 因可運用時間去「磨死」條債,窮人只看供樓要幾十年好困難、但叻人識將時間拉攏去自己一邊,讓自己最擔心既野變成自己助力。當然真係叻既人,好應趁年輕擺脫每日搵錢既生活。

 

好啦講講做法,當然係用少少首期上會再用餘額買債基收息著數,但點樣做得靚仔又慳傭金支出,更比對後將錢投入高效益的,這種種已面授了讀者。

 

點樣好去將550k按自己年紀配置入投資工具是個大題目,收息課已為資產配置這題目開了個頭,但由卡承諾要教好直債、債基及保險之原理及操作,所以遺憾未能面授分配法則。當然債基是幾個之中較易入口的,因無年期及息口,而對沖其中風險之事,明晚的ETF課會談。

 

最後是沙田,大圍,黃大仙,新蒲崗四區作選擇,答案是大圍。原因不述。你可以睇睇筆者於2014年頭的文章: “7200蚊月租套房真係痴x線?”









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