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Homebloggerhk 按揭 買樓 理財 基金 股票


空有888萬資產但得個睇字 #1336

諗 Sir:

你好! 我係Sam, 我有以下的問題希望你能幫我解答.

我今年50歲,單身男仕,並沒有其它負擔, 職業為教師,月入6.3萬元,擁一在深水埗市值約430萬元(實 用341呎)已供完的自住物業, 另外在同區擁有一沒有按揭唐樓套房市值約130萬(實用195呎 ) (空置)。

資產負債表  
   
資產  
物業一(自住) 430萬
物業二(空置) 130萬
公積金(可動用) 100萬
投資在中國的基金和現金 80萬
香港債卷,股票 18萬
銀行存款(港元) 130萬
總計 888萬
   
負債 0萬
   
淨資產 888萬

理財目標:

  1. 希望現在可達至財務自由, 提前退休,退休後只需要有被動收入(正現金流) 約一萬元維持現有生活便足夠。
  2. 希望藉著現在還有隱定的收入和良好的信貸記錄向銀行借貸投資在物 業上(包括高租金回報的套房或官材房以便扣除按揭供款後獲得正現 金流也可以)
  3. 如有更好的建議請提供, 十分感謝!!!

 

Фенил 2 нитропропен ANSWER:

讀者有物業就空置或自住,投資在中國的基金同股票要拎返香港在法理上有難度(當然知清楚最好請較律師),香港的股票或債基只佔些少,空有888萬資產但得個睇字,建議死之前好運用佢令自己生活好過,更有尊嚴。

學術一點,讀者就是把財產同生活脫節,每月的生活最簡單就是配置每月的投資收入,這與打工領取月薪的習慣無變,易令人適從。當然有些人洗錢或衡量都是一舊舊錢計,或用樓作單位去計,不過筆者沒此本領,就唔好亂講啦。

 

估計讀者炒股技術一般,或無所興趣,故不建議用賺價工具去換取收入,相反樓或債更有原因。知道有人提及REITS 或ETF 可否? ETF是一個集成投資計劃,當中包含不同類型之投資品,故未見形容ETF內含的FACTSHEET,就難去評論。REITS好看持有什麼物業,不過叫得好REITS,收入來源以租金為主,定享有與工資近同升幅之增長,即係慢。因為租金以多座物業去計算,升勢必比股票比下。主因租金「無得炒」,租地方既人只要是用地方,沒有投資該地方之潛在回報好處,故租金升極都受限當地人工。股票反而可狂升,因為一間公司之盈利預期,可以一夜間大轉。當然一間被收購既樓,一夜都可大幅升價,但其租值不會隨升。這正是業權與佔用權的一大分別。

 

做什麼棺材房唔建議,讀者一個人再買樓要比重稅,搵親戚幫手買樓就佢自己考慮。

 

讀者人近五十,不能承受銀包在股災被洗劫的風險。原有130萬的空置物業,雖然而家新買就唔會考慮,但賣走再買要印高印花稅。考慮到此情況,那一係諗諗點租出去,又或賣走再換1-2個車位,產上4000-5000被動收入為上算。持有唔派息(租)的投資物,只能在中短線肯定會升的情況才可運用,但如揸長需要選取月月有息(租)的,才能與此一資產長久咁守落去。投資在中國的資金不知有沒利息收入,若回報不足4%,可考慮從國內取回連同130萬資金,其約200萬去投入債基再疊增,收8-10%息可為讀者產出一年20萬收入,滿足其月入超$10K之要求。那車位加債基相信令讀者月入能大幅提高,而淨低公積金取回後可先作活動,為債基萬一下跌需補MARGIN時去利用。當然用債基又只收息8-10%,基本上10年都好難引發一次補MARGIN行為。但其機制怎去運作,這在面談時說明。








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