Bank 有月供股票(藍籌)嘅plan, but the charge is so expensive, e.g. 月供1000 便要charge$50, 其實間間bank 的charge 都差不多, 雖有$10000 salary , 但是否有任何負擔呢? 除卻日常開支, 實則有幾多剩呢? 要買blue chips通常都要過萬, 你現在有幾多子彈呢??? 如果是我的話, 我會有以下計劃(suppose 是只需養自已):
$3000 --> 日常開支 (including transports and meals)
$2000-->個人彈性洗費 (including clothes, dating with friends, etc)
$1000 --> medical insurance with saving (越年青買越著數)
$1000 --> 長線基金投資 (月供形式, 較高risk的funds亦可bear)
$3000 --> 定期saving, 達到一定amounts(at least 10-20k) )便可全了投入stocks market, during this period, you can focus on 幾隻stocks 的起跌, 並吸收多些市場資訊, set 好一個買入價, 到目標價才出擊. actually, blue chips 未必一定less risk, 加上你資本不多, even 給你買到也沒有多肉食, 可以將investment $ 分開, 50%長keep for 低 risk 但回報慢的stocks (如資源電力銀行股), 加上多有股息, 保本之餘也可增值, 50% for 短炒小股, 大上大落, 加上近期市場相當波動, 沒有規章可言, 所以這50%真如gamble 一樣, all or none, 博一博而矣.