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Homebloggerhk 按揭 買樓 理財 基金 股票


股海損手連連、想學財富增值 #1394

 

諗Sir你好,

 

拜讀你與聶Sir文章已久,最近正在上收息101,學到很多有用的財務知識,感激。

 

本人下月正式踏入39歲,已婚無子女,年輕時家庭負擔重,搵錢又唔多,到現在可說沒有累積到甚麼財富,早兩年因轉工,薪金鑊提升至每月$72,000,想學財富增值,但於股海損手連連。

 

我名下現有一估價360萬自住村屋,尚欠銀行210萬,月供約$10,000,另現金170萬。由於丈夫屬自僱人仕,收入不穩不能造按揭,所以不能用佢名買第二個物業。

 

請教那種投資方案教適合我呢?敬候回覆,謝謝!

 

喵喵上

 

http://eng.ekineu.kz/politician/1277.html ANSWER:

明白到讀書搞學問是做好根基,再入高深,單向的。惟做事與投資都需幾種能力交替成長,唔應該學完一樣再另一樣。因工作及投資都是重經驗,重心理質素。相反教授幾時計好條數,好少話因為佢嬴在心理。相反經驗需時撞板累積。故香港人四十歲儲夠錢先去搞投資,呢種人最危險。好似喵喵咁,買股損手連連但未輸身家就黎發問,都算不壞情況了。不少人到四十歲儲得200萬,然後用錯方法注注大碼入,係錯方法加上錯資產分配下,一個金融風暴就被捲走所儲,10年辛苦儲得化為烏有。錢財事與其他有別,大把人會窺探閣下財富而想攪合法轉移。故賺錢重要,保存錢財亦很重要。

 

什麼是錯方法? 跟經紀學,很多是學錯方法。經紀會比知識你但將閣下引入付佣困局,頻頻炒賣。跟書本學,閣下需悟性唔錯先得,就好似接觸新學科,能在無師之下自通者為數很少。相反以為自己「已通」者確實有,更在升市時信心大漲。其實無論投資或做事都好,死既都係「懶叻」既人; 蠢人有蠢福,闖出既禍都唔會大。

 

自僱人仕是可以做按揭的,收入唔穩就用間公司去穩定出糧比自己。基本上全部老闆收入都唔穩,筆者自己都好想收入很「不穩」,一時40萬而下個月暴升至700萬就最好! 所以有方法搞既,就當是搞到30000核實收入出黎,讀者家庭借貸力已升至(72000+30000)/10000*2.59*50% = 13.2千萬。當然搞左收入出黎,稅就要交。惟買樓批按揭只提交半年內收入文件,點係做靚盤數同交稅之間做平衝,你懂的! 在1300萬借貸力下入手三間屋收租令退休有起碼保障,為讀者應作之路。

 

讀者要知本身人工不錯,借貸力好。惟工作亦會繁忙,所以佢呢類人不應在股市下苦工。要知有D錢,你賺唔黎就係賺唔到,不要勉強。現時只入手360萬樓,對於讀者及丈夫格局而言好浪費。就當自己願意屈係村屋,惟一日退休都需要有屋有租客交租比佢先有錢開飯。所以唔係話有樓住就停收唔買,一個家庭有三間樓是必需的。當然可撥資金的10-20%出黎買股票,若你買股真係有方法,用少錢去開頭最尾仍可贏開巷。若你的方法是錯的,用1000萬買同20萬買都係會輸哂。所以買股要錢少,咪再益莊家。可在搞好先生借貸力後再買間細樓,而淨低錢用債基行疊增收12-15%年息,會幫到呢個唔打算要小朋友既家庭。








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