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Homebloggerhk 按揭 買樓 理財 基金 股票


諗sir回覆皇帝有關理財的聖旨 #1459

Hello 諗sir

 

本人今年40。儲蓄1百萬,月入5萬3,每月支出(租+車費+食物)8千。每年旅行用大概6萬。

 

我想係港島買實用面積700尺單位(樓年齡最好30或以下)同屋企人住。

 

屋企人可以資助3百萬。

 

本人想50歲退休,你覺得可行嗎?

 

亦有諗過投資d舊樓租出去,咁就有固定收入,諗緊投資香港定海外好?如果海外,有冇邊度比較好?
go to link answer:

本案讀者以非學生身份而獲得作答,主要是其描述夠寫實、而想法亦令筆者想起阿嬌個種天真。正因如此,筆者將會於本年提供有關英國樓房的講座,奉勸大家有能力就走,或者留條後路比自己。今日既香港,你我都有份造成,無得怪人。一些內地到港的小朋友雖然男既百厭,而女就好鬼現實,不過成長於一個充滿不安環境既小朋友,向錢看及愛用拳頭都是正常結果。反觀呢位年近40歲,或者有睇開本blog更可能比左一個like咁俾面既皇帝,40歲本應齊家修身而將歷練教比仔,相反呢位大哥浪費自己時間去問筆者一些中學算術水平既事,更將自己買樓及退休之事都交託埋比父母幫手,短短5行字已教筆者心寒,功力勁過金庸老師。發現原來香港地,真係有唔少皇帝。佢地住開溫室,唔嚇得。

 

或者呢位月入53k既大哥,從職業看可能是不少香港父母的標準。不過原來讀得書叻人工幾好,到40歲原來都仲有咁多煩惱…咁父母們又有咩對策,為你40歲時的兒子想想呢? 係咪繼「學行樓梯班」之後,又有新Course可以搞? 諗sir入股一齊搞可以嗎?

 

ооо ск росс усинск отзывы 無自我解難能力

明白讀者問自己十年後能否退休? 可能想獲筆者肯定,佢高層一定自己識計! 估計一條咁簡單既算術點難到佢: 40歲既4人手執100萬,如月儲人工一半即26K,十年現金有100萬+26K*120月 = 412萬。若冇人冇物80歲拜拜,每月可用412萬/360月 = $11444。當然退休有MPF,會令情況好些少。如一病即死,$11444個數就唔洗留番比醫生而自己用盡。不過呢位40歲既人仕如手上現金真有100萬,假設佢28歲(讀者博士先出黎)開始做野,144個月儲左100萬,即月儲$6944,即係人工的13%。當然佢28歲個陣人工梗係低一點,不過皇帝陳述的儲蓄數字,與他聖旨上其他狀況不符。

 

筆者認為皇帝講佢去旅行既年支出數字,遠遠比佢講自己的儲蓄數字準確得多。

 

Закладки в екатеринбурге спайсов 無錢銀概念

當然梗有批人一開口就將責任賴比人,從小學寫字到大學拍拖,佢都從來唔認錯既。因此筆者會將皇帝攪成咁既責任賴比支付寶同八達通。呢d萬惡既電子支付,模糊左年青人對錢的模念。佢地再唔能夠打開豬仔銀婴去了解自己錢多定少。又或當錢幣扣減時,佢地無左一個「少左錢」的視覺效果。

 

香港買樓是個很低稅的地方,加上空置率比較上很低,你去外國買樓預拉埋雜費之後,租金收入唔會比香港樓高好多。若閣下是看好當地經濟想買樓賺錢,而唔係為租,那買當地樓市的REITs是又平而又慳支出的做法。當然買外地樓有一好處是REITs及香港樓都比不上的,就係你需要將錢向外藏。一般資產淨值達2000萬港幣或以上人仕,開始有此需要。有得呢個數,好少係10萬月入以下的打工仔,原因你計得到。作為高資產端老闆或集團領頭人馬,你在豬籠入水的時侯會不時得罪了他人,又或入水情況嚴重,開始有些人打你或屋企人主意,再加上仔女唔想留係香港讀書的情況下,係外國置業是一舉幾得之法。至於係邊買? 既然係儲蓄財富,夾萬一定唔可以穿底。那馬來西亞? 中國? 泰國? 有良好的法規保存你資產嗎? 講到搬錢同世界觀,中國的人民是全球第一的,淨低既都唔使教埋你啦。








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