我想問下﹕
平時d人儲錢，是否都是靠20-30歲這工作的黃金十年呢？
我是33歲才拿到學士學位，所以感到一切都比別人遲。
依家都39歲了，還有少量卡數未清。
所想問下應該持什麼方法/態度去理財呢？
理財方法請指教
2008-02-12 9:41 pm
回答 (7)
2008-02-14 1:26 am
✔ 最佳答案
好同意樓上拜金子講任何年齡都要理財. 你覺得自己起步遲, 但有好多人在97因為層樓負資產, 都係重頭嚟過, 咁你都唔算遲啦.理財要分收支平衡, 保險與投資。
理財第一, 一定係回支平衡, 所以你要快快搞掂你d 卡數, 一般來說, 除了買樓無辨法要做按揭, 其他負債真係可免則免, 一於無負債, 一身輕. 收支平衡是你現在最需要學的, 如何分別想要和需要, 把你有限的金錢好好運用。另外也要培養儲蓄的習慣, 以備不時之需。
第二, 人壽保險還是值得買, 但只是作保障用。你可以買一個小額終身人壽(有cash value)加大額定期人壽，终身人壽可以作為殮葬費，定期人壽就保障你親人在你離世後的生活，將省下的保險費用作自已的退休投資。
留意保險不是投資產品，但可以作為理財最底層的產品。千萬不要信無良保險話，買保險做儲蓄投資。
圖片參考：http://hk.yimg.com/i/icon/16/42.gif
基金儲蓄或股票儲蓄低至1,000元一個月，可以的話，也可以嘗試。月供有平均成本的好處，所以你可以揀一些波幅較大而又長線向好的市場，例如印度，中國。由於是看長線，只供一隻也可，當然多於一隻，便加大買中機會，但是我贊成買得太散，最多三到四隻；因為分得太散，每注銀碼太少，可能要買低potential市場，影響整體回報。
保險公司的投資計劃會接受1,000元數隻基金，但我非常贊成買保險公司的投資計劃，原因請參考投資相連保險。
投資需要孤獨的決策，有人賺就有人蝕，所以一定要培養自己的理財知識；理財顧問的說話只可以作參考，不能盡信。
不要忘記多花時間投資自己，讀書增值，才可以找到好的工作, 有穩定的收入, 不然又何來人生的第一桶金開始投資?
圖片參考：http://hk.yimg.com/i/icon/16/3.gif
2017-02-21 4:36 pm
二元期權投資，簡單！無論您是全職媽咪、上班族、soho族、學生群都適合的投資理財方式！
操作簡單，時間彈性又自由，只要有能上網的設備就可以讓妳每個月增加收入！
註冊不用錢，了解不用錢
給妳自己一個認識二元期權的機會
※ 二元期權(小額投資、理財) ※
沒有失敗的問題，只有時間的早晚以及妳是不是真的 "全心投入"
不怕妳來問，只怕妳錯過，多一份認識，少一份後悔
只要妳想學、想賺錢，都歡迎妳來富祥期權平台（http://www.fx77.hk/）咨詢喔!
富祥期權平台：
1分鐘買漲跌，小錢賺大錢！
5美金起投，單筆收益高達92%!
免費提供模擬賬戶10000美金！
7天免費體驗24小時實時交易信號！
0開戶費 0手續費 0保證金 0佣金！
FSP新西蘭金融監管！
小錢賺大錢就從這裡開始！
想了解詳情 http://www.fx77.hk/
或加入富祥FB粉絲專頁 https://www.facebook.com/fx77.com.hk/
↓↓↓免費註冊開始二元期權投資 ↓↓↓↓
http://www.fx77.hk/
可加賴 fx77.com，專業人員一對一交流指導
操作簡單，時間彈性又自由，只要有能上網的設備就可以讓妳每個月增加收入！
註冊不用錢，了解不用錢
給妳自己一個認識二元期權的機會
※ 二元期權(小額投資、理財) ※
沒有失敗的問題，只有時間的早晚以及妳是不是真的 "全心投入"
不怕妳來問，只怕妳錯過，多一份認識，少一份後悔
只要妳想學、想賺錢，都歡迎妳來富祥期權平台（http://www.fx77.hk/）咨詢喔!
富祥期權平台：
1分鐘買漲跌，小錢賺大錢！
5美金起投，單筆收益高達92%!
免費提供模擬賬戶10000美金！
7天免費體驗24小時實時交易信號！
0開戶費 0手續費 0保證金 0佣金！
FSP新西蘭金融監管！
小錢賺大錢就從這裡開始！
想了解詳情 http://www.fx77.hk/
或加入富祥FB粉絲專頁 https://www.facebook.com/fx77.com.hk/
↓↓↓免費註冊開始二元期權投資 ↓↓↓↓
http://www.fx77.hk/
可加賴 fx77.com，專業人員一對一交流指導
2013-05-17 4:22 pm
大家做倫敦金/銀(現貨金/銀)投資時要特別小心!
設勿將閣下的該投資戶口密碼交給任何人呀!
包括閣下的經紀呀.
因為閣下要對閣下的投資負責任呀!而且投資前要問清楚呀!請勿心急呀!
即使閣下的經紀催促做買賣決定下也先停下來,想清楚呀!
警訊話:[騙局源於貪念];
小心做金融大鱷點心呀!
小心有[天遇]倫敦金騙局呀!
2013-05-17 08:22:54 補充：
有人在2010年中不幸幫襯天譽國際金業有限公司( Prestige ) 的經紀後出事啊.
電郵地址: [email protected]
QQ : 4006762425
網址: http://www.prestigegroup.com.hk/index.php
有人在那裡投資倫敦金(現貨金),
被那公司姓陳及姓林兩女經紀遊說交密碼使她們代為投資,
但原來她們投資經驗好差,好容易就輸清光.
所以做倫敦金(現貨金)買賣就不可以假手於人呀,要親力親為呀!
之後竟然被自稱那公司男職員電話警告不可以投訴啊呀!
希望那公司加強監管經紀啦.
設勿將閣下的該投資戶口密碼交給任何人呀!
包括閣下的經紀呀.
因為閣下要對閣下的投資負責任呀!而且投資前要問清楚呀!請勿心急呀!
即使閣下的經紀催促做買賣決定下也先停下來,想清楚呀!
警訊話:[騙局源於貪念];
小心做金融大鱷點心呀!
小心有[天遇]倫敦金騙局呀!
2013-05-17 08:22:54 補充：
有人在2010年中不幸幫襯天譽國際金業有限公司( Prestige ) 的經紀後出事啊.
電郵地址: [email protected]
QQ : 4006762425
網址: http://www.prestigegroup.com.hk/index.php
有人在那裡投資倫敦金(現貨金),
被那公司姓陳及姓林兩女經紀遊說交密碼使她們代為投資,
但原來她們投資經驗好差,好容易就輸清光.
所以做倫敦金(現貨金)買賣就不可以假手於人呀,要親力親為呀!
之後竟然被自稱那公司男職員電話警告不可以投訴啊呀!
希望那公司加強監管經紀啦.
2008-02-22 1:32 pm
Hello,
>> 我是33歲才拿到學士學位
I am 36 and do not even have a bachelor degree. I only have a community college diploma from Canada. (I live in Canada). Put it this way, a lot of people do not even have a chance to get higher education. Consider yourself blessed since you have a degree.
>> 所以感到一切都比別人遲
"比別人遲" is not a problem. The key is whether you are willing to look forward!
Let me share to you my story: I moved to Canada when I was 15. I was never good at school and was being flunk out from university because of poor grades. It took me a longer period of time in order to finish school. Working & studying at the same time. I earned a Computer diploma, but only work in the computer field for 2 years before being laid off. For almost 2 years I was out of work! It was back in around 2001. A lot of I.T. people were out of work, too! What can you do? Life has to moved on! I ended up giving up I.T. and got a warehouse job in the automotive industry. I am still working at the same job and now the warehouse manager.
From 20-30歲, I had nothing. But I learned one important thing: "swallow your pride!". Everybody is different, you don't have to compare with others. As we have a saying in Chinese "人比人, ..." (sorry i don't know how to type Chinese!).
When I look back, it was just like yesterday! 5, 6 years can make a big difference!
>> 依家都39歲了
39 is still young! you have a life ahead of you, man!
>> 想問下應該持什麼方法/態度去理財呢？
I think it is important to distinguish the differences between "neccessities" and "wants". Buy what you need, not what you want!
My wife and I spend money on more important things, such as:
Purchase a house (so that we have a place to live and build up our assets)
Mutual funds (save for our retirement)
Registered Education Savings Plan (for our kid)
We never buy up to date, high tech cell phones. My PC is still an older P4 system. We bring our own lunch. There are a lot of ways to save money. After all, it is a way of life that you chose! We have no choice since we are living in Canada - a high tax rate country!
Good luck, my friend!
>> 我是33歲才拿到學士學位
I am 36 and do not even have a bachelor degree. I only have a community college diploma from Canada. (I live in Canada). Put it this way, a lot of people do not even have a chance to get higher education. Consider yourself blessed since you have a degree.
>> 所以感到一切都比別人遲
"比別人遲" is not a problem. The key is whether you are willing to look forward!
Let me share to you my story: I moved to Canada when I was 15. I was never good at school and was being flunk out from university because of poor grades. It took me a longer period of time in order to finish school. Working & studying at the same time. I earned a Computer diploma, but only work in the computer field for 2 years before being laid off. For almost 2 years I was out of work! It was back in around 2001. A lot of I.T. people were out of work, too! What can you do? Life has to moved on! I ended up giving up I.T. and got a warehouse job in the automotive industry. I am still working at the same job and now the warehouse manager.
From 20-30歲, I had nothing. But I learned one important thing: "swallow your pride!". Everybody is different, you don't have to compare with others. As we have a saying in Chinese "人比人, ..." (sorry i don't know how to type Chinese!).
When I look back, it was just like yesterday! 5, 6 years can make a big difference!
>> 依家都39歲了
39 is still young! you have a life ahead of you, man!
>> 想問下應該持什麼方法/態度去理財呢？
I think it is important to distinguish the differences between "neccessities" and "wants". Buy what you need, not what you want!
My wife and I spend money on more important things, such as:
Purchase a house (so that we have a place to live and build up our assets)
Mutual funds (save for our retirement)
Registered Education Savings Plan (for our kid)
We never buy up to date, high tech cell phones. My PC is still an older P4 system. We bring our own lunch. There are a lot of ways to save money. After all, it is a way of life that you chose! We have no choice since we are living in Canada - a high tax rate country!
Good luck, my friend!
2008-02-13 3:14 am
2008-02-12 10:09 pm
唔好講咁多,清走卡數先,負債點儲錢呀!
理財同儲錢無分年齡.唔好比籍口自己.就好似要寫日記,或者要計劃唔係一定要一月一日,依家真係一年之計在於春咩!咁夏.秋.冬.咪無晒人生目標???
儲錢無需過分死慳死抵,因為過份咗,你會覺得無乜人生樂趣.只是守財奴一名.
要學懂應使得使.如果重未有自制能力.就將出糧時扣起部份錢做月供基金.當自己份糧無咁多就得啦!
有一少舊錢買吓債券.藍籌股咁....呢個叫投資,唔好投機.投機=賭博.
初步時唔好咁大貪.供少量試吓先.適應到能力又做到才加大少許,咪一起步就儲咁多.賺你無心機儲錢.
理財同儲錢無分年齡.唔好比籍口自己.就好似要寫日記,或者要計劃唔係一定要一月一日,依家真係一年之計在於春咩!咁夏.秋.冬.咪無晒人生目標???
儲錢無需過分死慳死抵,因為過份咗,你會覺得無乜人生樂趣.只是守財奴一名.
要學懂應使得使.如果重未有自制能力.就將出糧時扣起部份錢做月供基金.當自己份糧無咁多就得啦!
有一少舊錢買吓債券.藍籌股咁....呢個叫投資,唔好投機.投機=賭博.
初步時唔好咁大貪.供少量試吓先.適應到能力又做到才加大少許,咪一起步就儲咁多.賺你無心機儲錢.
參考: 經驗之談
2008-02-12 9:50 pm
我跟您差不多,也是20多岁才拿到学位.当时我想过由低层做起,但后来想想一生人没有多小是年青力壮的时间,所以我最后选了做SALES,希望可以多揾点钱,现在我觉得我是没有选错.
我提议您可以找多份PART TIME,尽量把有关的卡数清除,不要再背住一身债.
然后不要想太多其他事情,好像现在股票和楼市也不应去碰,把所得的收入尽量多留在银行来做SAVING,银行不但单有一般没有什么利息的SAVING,还有很多基金的投资也可以想想.
我提议您可以找多份PART TIME,尽量把有关的卡数清除,不要再背住一身债.
然后不要想太多其他事情,好像现在股票和楼市也不应去碰,把所得的收入尽量多留在银行来做SAVING,银行不但单有一般没有什么利息的SAVING,还有很多基金的投资也可以想想.
收錄日期: 2021-04-19 00:27:22
原文連結 [永久失效]:
https://hk.answers.yahoo.com/question/index?qid=20080212000051KK01549