400萬的投資組合

2007-06-17 6:19 pm
因提早退休,手持400萬元,樓按約有170萬元未續,月供約15000元,想每月有些生活費,現時每月收租約有5000元,請問是否可以提供一些投資意見,確保未來三十至四十年生活有著落,謝謝各位!
更新1:

本人年約50,具專業資格,可能會做些不固定的工作,我正考慮是否需償還按揭,我現時已將約 160萬投放在股票掛鉤票據,回報約有12%,再加碼我擔心風險太大,請提供意見!

回答 (3)

2007-06-18 4:22 am
✔ 最佳答案
paid back $1,700,000 to bank and $300,000 in hand.
$2,000,000 profile as follow:
stock no. amount remark
-----------------------------------------------------------------------
97 $500,000 under$11
8099 (3928) $300,000 under$1.20
005 $500,000 under $130
945 $500,000 under$250
902 $200,000 under$6.00


return about 10% per year, Divident received about 58,000 plus rent received $60,000
about $118,000 per year and capital gain.....

lawrence
17/6/2007
參考: lawrence
2007-06-17 8:18 pm
How old are you ? 4 Million is not a big amount, if you are over 60, you better pay up your mortage, then u don't have to worry the living place, if use $120,000 per year , $2,300,000 ( only capital ) can use 19 years until you reach 80 years old, or you can use 1 million to buy blue clip ( with 4% divident per year, like HSBC ) , another 1 million buy Aust or New Zealand currency to get high interest rate ( 5 - 6 %/ year ) $200,000 buy few small stocks to make high return but risky,the rest in saving account for emergency use, only interest you may have around $100,000 return per year and you can use some part of the capital.
another advise is move to living in China, u will become big splender.
2007-06-17 7:30 pm
I can help you to set-up a investment plan for what you need.

But need more info such as your asset overview, future life expectation etc.

Please contact me for further work.

Of cause, only an suggestion, you can have plenty of choice over the market. But for your own good, why not take one more?


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