压钱多年得个空,劝君惜时勿怠惰#1399

 

Dear 谂sir,

 

So thankful that learning much knowledge after the course of 101. I have a few questions and hope that can receive your comments to solve my doubt.

 

26 years old

Salary: 25K

Monthly saving: 10K

Cash: 15K

Stock: 10K (around 6% interest rate and going to sell them all after your course)

Monthly return student loan to government: $500 (still have 11 years left)

 

I’m single and lives in public estate with Green Form. I understand that you discourage people to purchase house under home ownership scheme, however, it seems that using Green Form is the fastest way for me to purchase the first one.

 

I don’t have any background or even Rich Dad, but I still targets to purchase my first house within 3 years. Please help to get back and great that if you can offer a better direction for me 😉

 

  1. Should I purchase public estate or house under home ownership scheme? The price of public estate is pretty lower than others which can help me save more cash on hand and without losing much purchasing power in bank.

 

  1. Should I follow the below steps to select house in my case? 屋的类别及间格 > 屋苑 > 区份位置 > 经济大环境 Any special tips when selecting both public estate or house under home ownership scheme?

 

I know the foundation is to enhance myself in both hard and soft skills. I plan to study further in master programme and aims to fight for a job with at least 50K at 30 years old.

 

Thanks for your time and help in advance.

 

Best regards,Jane

 

ANSWER:

英问中答,上进的年轻人梗要帮,佢亦明白最好的方法唔系玩财技,又或什么债基,而系先做好自己钱就会继续黎。笔者经常鼓励中年人买楼,利用控楼借美金而赌币值长跌之原理,最终贬走债务而净低资产比自己。惟笔者不鼓励所有人都买楼,例如老人,难借按揭。例如后生仔,如能力避强就唔好急买,始终由30岁开始用20-30年将债慢慢磨都够时间。正因如此,读者26岁,最要紧要学好投资,多作实习,避免日后有米时才犯下大错。

 

绿表转居屋免地价是好牌,不过唔应该咁快就打呢张牌。年轻人想食大糊,应勤“摸牌”而唔好乱打牌。一旦到中年仍觉难买楼,才好把心一横加入公营房阵团,入左就难加按将成果套出黎,很要留意。

 

笔者提出影响人单位之因素为“屋的类别及间格 > 屋苑 > 区份位置 > 经济大环境”,即最影响为三房定两房? 高层或低层此等因素。次者为屋苑,例如屋苑年龄达3-5年遇上SSD出货潮,咁就当你间屋中个好区份(位置),仍稍偏向淡。又或该单位属私楼定居屋,都属“屋苑”类因素。因此笔者应为“好区的居屋”比“差区之私楼”差,因(屋苑 > 区份位置 )。至于大环境放最后先睇,一般杂志因唔想发人力去各屋苑落区入屋睇,先悭水悭力同你猛讲加减息这些大环境因素。阁下若想买楼买得好可参考不时由笔者发出之tips,或最好梗系你每星期都好似我地咁拍“真。楼盘传真”节目落区睇,保证有等著。

 

读者手上几万蚊,可由学习美股开始。为什么不是港股而远取美股? 因美股的投资物类型多而成交大,例如有些行业性的ETF,其高成交令价格很反映每个行业在某一星期之好淡看法。学生只需搅清各行业ETF,或不同资产类别之ETF在市况下之关连或快慢,等于掌握行业周期及特性,对其下一步想找出潜力股或作宏观分析很有用。始终报纸杂志都系低薪记者所写,其他撰稿人亦因低微稿费而只写些少略作应酬,各位睇足10年亦予无所进,不要行错路浪费时间。

 

至于港股或细价股,只可略作投入,更不要认为买大篮筹“实无死”。思捷由“红底股”100蚊跌到个位数。汇丰10年亦由140跌至70,千祈咪认为你手头上呢只无问题,大把人在跌市初期都对自己股份好有信心,到后期亦因跌得太多而懒得去理,最尾将钱压死多年得个空,劝君惜时勿怠惰。








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