理財計劃~

咦，你邊間 U 畢業架，同我 d 朋友差不多，佢去做左銀行。
其實，我建議儲返 3~6 個月的人工的 cash，以防突發事要用錢。
同埋，你都係畢業無耐，工作流動性高，所以當你有一筆 3~6 個月的應急錢的話，
就算辭工，都有錢 support 你搵過另一份工。又或者放銀行定期 3、6 個月~1 年等等。當你夠本錢的話，先考慮其他投資工具。

至於保險、基金、股票等等，我覺得，你可以先認識不同投資工具的好處 / 限制先。

我自已都有 d 你這類型的客。我都建議佢地慢慢認清楚先至決定。因為我有些心急左的大學同學，已經買左 d 唔係咁值得買的野了。小心小心~~

首先係身體健康正常情況下，做一套全面的保障計劃(包括：人壽、意外、危疾、醫療 及 住院入息保障)
其後，考慮做啲高回報儲蓄計劃。
例如基金：可以做到目標儲蓄(買車、買樓、結婚 計劃)的果效；
長遠可以預算退休生活需要，早啲預備遲下唔便咁吃力。

以上都係最基本建議，實際要真正做個人理財分析後，再比建議更合適，因為上述的方法資金如何分配，每個人都會唔同。

如有需要可以e-mail聯絡 [email protected] (葉先生)

本人從事投資顧問，正如樓上說的一樣

首先要了解你所期望既回報率.....

當然每一樣野都有其風險,所以一定賺既多數呃你,應該說是回報應該蠻可觀^^"即使99%勝利,還不可以掉以輕心。

投資最要明白的地方,如何作出風險管理,少了2元,找到20元之類,同時更重要是,投資所作既資金吾應該會影響到日常生活...

如果有其中問題的話,可以add我詳細解答,順帶一提,本人是從事投資理財顧問的^^"

msn
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e-mail
[email protected]

I think financial planning is really a individual thing. Everyone has their own goal, want and needs. Therefore you better talk to a professional. It invole a lot of things, not just investment and retirement. It include risk planning, taxtion, estate planning, investment, retirement planning.

Because you are young and you can start earlier, so you could have more time to prepare your retirement and investment. But first of all you need to see someone who can give you good idea and do the planning for you.

I have a friend who is a good financial consultant, I can give his detail to you via e-amil

[email protected]