用小額投資當作起手式吧!小資家庭理財分配的小撇步在這裡!

結婚後,理財投資規劃不在是一個人的事情,是要與另一半共同為家庭而努力,對於年收入僅近百萬的小資家庭來說,共同存錢買房、買車,希望可以打造溫暖的家,有了小孩後,不僅日常生活開銷的花費提升,小孩的教育費更是不能缺少的支出,更是需要做好小資家庭理財規劃,包括小額投資以及管理家庭支出分配,同時改善家庭財富狀況更是刻不容緩的議題。

對於小資家庭來說,夫妻雙方必須確實的了解各自的財務狀況,共同討論最適的財務相處模式,建議可以參考以下四大步驟,建立良好的小資家庭理財規劃:

 

  1. 目標設定:夫妻雙方對於買車、買房與小孩的教育規劃與費用等,可以訂定具體的存款金額與預計達成的時間,將此作為目標,並以開源節流的概念,確保每月的存款部位。建議在設立買房、買車的目標前,應依照家庭每月的生活支出存下一筆緊急預備金,以應變突發的問題,像是裁員、交通意外等。
  2. 家庭帳戶設立:與另一半共同設立「家庭帳戶」藉此凝聚家庭關係,每月夫妻雙方共同放入一本金額做為家庭基金,以支出每月固定像是水電費、網路費、房租等花費外,也可做為家庭存款的根基。
  3. 收支控管與記帳:設定好儲蓄目標後,可依照家庭收入、儲蓄與支出等三大項訂定適合的比率,初期若無法明確的掌握支出的項目,建議可以記帳,明確的紀錄每筆花費的流向,追縱家庭花費的習慣,分析對於家庭生活來說,「必要」與「非必要」的支出,達到節流的策略,以便制訂家庭支出分配。
  4. 投資開源:依循第13的步驟,逐步建立家庭的緊急備用金後,每個月的財務分配除了儲蓄與支出外,可以將收入的比例部分劃分至小額投資上使用。運用市場上,如股票基金債券等投資方式,增加每個月的家庭收入,更快的達到存款目標。

 

看似簡單的家庭理財四步驟,對於小資家庭來說,光是存下一筆緊急預備金可能需要3個月至半年以上的時間,加上在記帳與收支控管可以省下的金額也非常有限。對於小資家庭來說,建議可以小額投資的方式,每個月以3,0005,000元的小額資金買零股,或是定期定額基金外,也可以考慮於歐美與日本投資市場盛行許久P2P網路借貸,從小額投資開始,累積家庭財富。

 


 

延伸閱讀:

1.小資族買房戰略,年輕人想買房 先從這下手!

2.小額投資理財技巧-小資族投資的秘訣,小錢也會錢滾錢!

3.最簡單的投資法?定期定額投資適合你嗎?

4.小額定期定額投資太慢,P2P網路借貸投資火熱!

 

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