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!

 

204 thoughts on “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!

  1. day g says:

    Whats up very nice blog!! Man .. Excellent .. Amazing .. I will bookmark your blog and take the
    feeds also? I am satisfied to find a lot of helpful info here in the
    submit, we want work out extra strategies in this regard, thanks for sharing.
    . . . . .

  2. g those says:

    Simply want to say your article is as astonishing.
    The clarity to your submit is simply nice and i can think you are
    knowledgeable on this subject. Well along with your permission allow me to
    seize your feed to keep updated with impending post. Thank you 1,000,000 and please
    keep up the enjoyable work.

  3. tinyurl.com says:

    Excellent weblog right here! Additionally your web site rather a lot
    up fast! What web host are you the usage of? Can I am getting your affiliate hyperlink for your
    host? I desire my website loaded up as fast as yours lol

  4. tinyurl.com says:

    certainly like your web site but you have to take
    a look at the spelling on quite a few of your posts.
    Many of them are rife with spelling issues and I
    in finding it very troublesome to tell the truth nevertheless
    I’ll definitely come again again.

  5. cbd oil that works 2020 says:

    What you published was actually very logical. However, think on this, suppose you composed a catchier post title?
    I am not saying your information isn’t solid, however what if you added
    something to possibly grab people’s attention? I mean 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! – 富足家學苑房地產學院 is kinda boring.
    You could glance at Yahoo’s front page and note how they create article headlines to grab
    viewers to open the links. You might add a related video or a related pic or two to get people excited about everything’ve got to say.

    Just my opinion, it could make your blog a little bit more interesting.

  6. cbd online says:

    I am the business owner of JustCBD Store label (justcbdstore.com) and am looking to grow my wholesale side of business. I really hope that anybody at targetdomain can help me ! I thought that the most effective way to accomplish this would be to reach out to vape stores and cbd retailers. I was really hoping if someone could recommend a trusted web-site where I can buy CBD Shops Business Email Addresses I am currently looking at creativebeartech.com, theeliquidboutique.co.uk and wowitloveithaveit.com. Not sure which one would be the most ideal choice and would appreciate any guidance on this. Or would it be easier for me to scrape my own leads? Suggestions?

  7. White Maeng Da says:

    Hello there! I could have sworn I’ve been to your blog before but after browsing through some of the posts I realized it’s new to me. Nonetheless, I’m certainly happy I stumbled upon it and I’ll be bookmarking it and checking back frequently!

  8. Albertha Legrant says:

    May I simply say what a relief to find somebody that genuinely understands what they’re talking about online. You certainly realize how to bring a problem to light and make it important. A lot more people must check this out and understand this side of the story. I was surprised you are not more popular since you definitely have the gift.

  9. Tribe Of Dads says:

    May I simply just say what a relief to find a person that genuinely knows what they’re discussing on the internet. You definitely understand how to bring an issue to light and make it important. More and more people should read this and understand this side of your story. I can’t believe you are not more popular given that you certainly possess the gift.

  10. reverse phone says:

    After I originally left a comment I seem to have clicked the -Notify me when new comments are added- checkbox and now each time a comment is added I recieve 4 emails with the exact same comment. Is there a means you are able to remove me from that service? Thanks a lot!

  11. google flights cheap flights says:

    Hmm it appears like your site ate my first comment (it was
    super long) so I guess I’ll just sum it up what I had written and say,
    I’m thoroughly enjoying your blog. I too am an aspiring blog writer
    but I’m still new to the whole thing. Do you have any recommendations for
    rookie blog writers? I’d really appreciate it.

  12. Serene Media says:

    An outstanding share! I’ve just forwarded this onto a co-worker who was doing a little research on this. And he in fact bought me lunch because I stumbled upon it for him… lol. So allow me to reword this…. Thank YOU for the meal!! But yeah, thanks for spending time to discuss this subject here on your website.

  13. KS Tools says:

    I seriously love your website.. Excellent colors & theme. Did you make this site yourself? Please reply back as I’m trying to create my own website and would like to know where you got this from or exactly what the theme is named. Many thanks!

  14. Swat Mosquito Systems says:

    You are so cool! I don’t think I have read anything like that before. So good to find somebody with some genuine thoughts on this topic. Seriously.. many thanks for starting this up. This web site is something that is required on the internet, someone with a little originality!

  15. Short Sales Experts says:

    You’re so cool! I do not think I’ve truly read through something like this before. So wonderful to find someone with some original thoughts on this subject matter. Really.. thank you for starting this up. This web site is one thing that is required on the web, someone with a little originality!

  16. web host says:

    Terrific article! That is the type of info that are supposed to be shared around
    the net. Disgrace on the seek engines for now not positioning this put up higher!
    Come on over and visit my website . Thanks =)

  17. web hosting reviews says:

    Can I simply say what a relief to discover someone that
    actually knows what they are discussing on the net.

    You definitely understand how to bring an issue to light and make it
    important. A lot more people really need to look at this and understand this side
    of the story. I was surprised that you’re not more popular since
    you definitely possess the gift.

  18. SEO UK says:

    After checking out a few of the articles on your site, I truly appreciate your way of blogging. I book-marked it to my bookmark website list and will be checking back in the near future. Please visit my web site as well and tell me what you think.

  19. Ideal Fix says:

    The very next time I read a blog, I hope that it does not disappoint me as much as this particular one. I mean, Yes, it was my choice to read through, nonetheless I really thought you would probably have something useful to say. All I hear is a bunch of crying about something you could possibly fix if you were not too busy searching for attention.

  20. Zapiano says:

    I’m extremely pleased to find this web site. I need to to thank you for your time just for this fantastic read!! I definitely liked every bit of it and i also have you saved as a favorite to look at new stuff in your website.

  21. website hosting says:

    Excellent post. I used to be checking constantly this blog and I’m impressed!
    Very helpful info specially the ultimate part 🙂 I handle such information a lot.
    I used to be looking for this certain information for a very lengthy time.
    Thanks and best of luck.

  22. Scwelding Academy says:

    Howdy! This article couldn’t be written any better! Reading through this post reminds me of my previous roommate! He always kept talking about this. I’ll send this post to him. Fairly certain he will have a great read. I appreciate you for sharing!

  23. social media guest post says:

    Oh my goodness! Impressive article dude! Thanks, However I am going through troubles with your RSS. I don’t know the reason why I cannot join it. Is there anybody else getting the same RSS problems? Anybody who knows the solution can you kindly respond? Thanx!!

  24. web hosting providers says:

    I am extremely inspired along with your writing talents and also with the format for
    your weblog. Is that this a paid subject matter or did you customize it yourself?
    Either way stay up the nice high quality writing, it is uncommon to see a great blog like this one these days..

  25. Sandiego Plumber says:

    Hi! I could have sworn I’ve been to this blog before but after going through a few of the articles I realized it’s new to me. Nonetheless, I’m certainly pleased I came across it and I’ll be book-marking it and checking back regularly!

  26. RC Plumbing CA says:

    After looking over a number of the blog articles on your site, I honestly like your way of blogging. I book-marked it to my bookmark webpage list and will be checking back soon. Please check out my website as well and tell me your opinion.

  27. CCleaner Pro says:

    An impressive share! I’ve just forwarded this onto a coworker who was doing a little homework on this. And he in fact ordered me dinner simply because I discovered it for him… lol. So let me reword this…. Thank YOU for the meal!! But yeah, thanks for spending the time to talk about this subject here on your web page.

  28. Buggenix says:

    Hi, I do think this is a great site. I stumbledupon it 😉 I may return yet again since I saved as a favorite it. Money and freedom is the best way to change, may you be rich and continue to help other people.

  29. Gold Field Dranch Home And Land says:

    An impressive share! I have just forwarded this onto a colleague who was doing a little research on this. And he actually bought me breakfast because I stumbled upon it for him… lol. So let me reword this…. Thanks for the meal!! But yeah, thanx for spending time to discuss this subject here on your internet site.

  30. Franson Chiropractor says:

    This is the right website for everyone who wishes to understand this topic. You realize a whole lot its almost tough to argue with you (not that I really would want to…HaHa). You certainly put a new spin on a topic which has been written about for years. Wonderful stuff, just excellent!

  31. Avoide fake id says:

    Can I simply just say what a comfort to discover somebody who genuinely knows what they are discussing on the web. You definitely understand how to bring an issue to light and make it important. More and more people really need to check this out and understand this side of your story. I was surprised you’re not more popular given that you surely possess the gift.

  32. NordVPN says:

    Oh my goodness! Amazing article dude! Thank you so much, However I am having issues with your RSS. I don’t understand why I can’t subscribe to it. Is there anybody having similar RSS issues? Anyone that knows the answer will you kindly respond? Thanx!!

  33. Fly US Anywhere says:

    Having read this I thought it was really enlightening. I appreciate you spending some time and energy to put this informative article together. I once again find myself spending a significant amount of time both reading and commenting. But so what, it was still worth it!

  34. CBD for Dogs says:

    Hi there just wanted to give you a quick heads up. The words in your post seem to be running off the screen in Ie. I’m not sure if this is a format issue or something to do with web browser compatibility but I figured I’d post to let you know. The layout look great though! Hope you get the issue fixed soon. Many thanks|

  35. cheap flights says:

    An interesting discussion is worth comment. I do think that
    you should write more about this subject, it might not be a taboo matter but typically
    people do not speak about such topics. To the next!
    All the best!! cheap flights yynxznuh

  36. cheap flights says:

    Woah! I’m really digging the template/theme of this blog.
    It’s simple, yet effective. A lot of times it’s hard to get that “perfect balance” between usability
    and visual appeal. I must say you have done a awesome job with this.

    In addition, the blog loads extremely fast for me on Safari.
    Excellent Blog! cheap flights y2yxvvfw

  37. cheap flights says:

    Hi, i read your blog from time to time and i own a similar one and i was just wondering if you get a
    lot of spam feedback? If so how do you reduce it, any
    plugin or anything you can advise? I get so much lately
    it’s driving me mad so any help is very much appreciated.

  38. Poker Indonesia says:

    Do you have a spam problem on this site; I also am a blogger, and I was wondering your situation; we have developed some nice methods and we are looking to exchange solutions with others, be sure to shoot me an email if interested.|

  39. black mass says:

    With havin so much written content do you ever run into any problems of plagorism
    or copyright violation? My site has a lot of unique content I’ve
    either written myself or outsourced but it appears a lot of it is popping it up all over
    the internet without my authorization. Do you know any techniques to help
    reduce content from being stolen? I’d genuinely appreciate it.

  40. kevin david amazon says:

    Hello, I do believe your website may be having internet browser compatibility problems. When I take a look at your blog in Safari, it looks fine however, if opening in I.E., it’s got some overlapping issues. I merely wanted to provide you with a quick heads up! Other than that, wonderful blog!|

  41. noticias de hoy says:

    Hello there! I could have sworn I’ve been to this site before but after looking at some of the posts I realized it’s new to me. Anyhow, I’m certainly delighted I came across it and I’ll be bookmarking it and checking back frequently!

  42. Fish says:

    You really make it seem so easy with your presentation but I find this matter to be actually something that I think I would never understand. It seems too complicated and extremely broad for me. I am looking forward for your next post, I’ll try to get the hang of it!|

  43. Visa Arabie Saoudite says:

    It’s a shame you don’t have a donate button! I’d most certainly donate to this excellent blog! I suppose for now i’ll settle for bookmarking and adding your RSS feed to my Google account. I look forward to fresh updates and will share this site with my Facebook group. Talk soon!|

  44. Holster HQ says:

    I blog often and I genuinely appreciate your information. This article has really peaked my interest. I will take a note of your website and keep checking for new information about once a week. I opted in for your Feed as well.

  45. Sim Card says:

    An interesting discussion is definitely worth comment. There’s no doubt that that you should publish more on this topic, it might not be a taboo subject but generally people don’t discuss these topics. To the next! All the best!!

  46. My In Time Loan says:

    Can I simply just say what a comfort to discover a person that genuinely understands what they are discussing on the internet. You certainly understand how to bring an issue to light and make it important. More people really need to look at this and understand this side of your story. It’s surprising you aren’t more popular because you surely have the gift.

  47. ginger pill on empty stomach says:

    What i don’t realize is actually how you’re now not actually much more neatly-liked than you might be now. You’re so intelligent. You realize thus considerably in terms of this subject, produced me in my opinion imagine it from numerous varied angles. Its like women and men don’t seem to be fascinated unless it is something to do with Girl gaga! Your personal stuffs nice. All the time take care of it up!

  48. unibet says:

    Simply wish to say your article is as surprising. The clarity in your post is simply cool and i could assume you’re an expert on this subject. Fine with your permission let me to grab your feed to keep updated with forthcoming post. Thanks a million and please continue the gratifying work.|

  49. Vena Rosseter says:

    An impressive share! I have just forwarded this onto a coworker who has been doing a little research on this. And he in fact ordered me lunch due to the fact that I discovered it for him… lol. So allow me to reword this…. Thank YOU for the meal!! But yeah, thanks for spending time to talk about this matter here on your web page.

  50. Credit Sweep Scammer says:

    Oh my goodness! Amazing article dude! Thank you so much, However I am having troubles with your RSS. I don’t understand why I cannot join it. Is there anyone else getting the same RSS issues? Anyone that knows the answer can you kindly respond? Thanks!!

  51. youtube says:

    This design is wicked! You obviously know how to keep a reader amused. Between your wit and your videos, I was almost moved to start my own blog (well, almost…HaHa!) Excellent job. I really enjoyed what you had to say, and more than that, how you presented it. Too cool!

  52. here says:

    Right here is the perfect webpage for anybody who would like to understand this topic. You know a whole lot its almost hard to argue with you (not that I actually will need to…HaHa). You definitely put a fresh spin on a topic which has been written about for ages. Great stuff, just great!

  53. visit us says:

    Great post. I was checking continuously this blog and I am impressed! Extremely useful info particularly the last part 🙂 I care for such info much. I was seeking this certain info for a very long time. Thank you and best of luck.

  54. kbc winner says:

    Hey there! This is my 1st comment here so I just wanted to give a quick shout out and tell you I genuinely enjoy reading your posts. Can you suggest any other blogs/websites/forums that go over the same topics? Thank you so much!|

  55. Additional info says:

    You are so interesting! I don’t believe I’ve truly read anything like that before. So good to discover somebody with a few genuine thoughts on this subject. Really.. thanks for starting this up. This website is one thing that’s needed on the internet, someone with some originality!

  56. www.pineapplestocks.com/ says:

    Greetings from Florida! I’m bored to tears at work so I decided to browse your website on my iphone during lunch break. I really like the information you present here and can’t wait to take a look when I get home. I’m shocked at how fast your blog loaded on my phone .. I’m not even using WIFI, just 3G .. Anyways, great site!|

  57. commercial hvac repair service raleigh nc says:

    Woah! I’m really enjoying the template/theme of this blog. It’s simple, yet effective. A lot of times it’s tough to get that “perfect balance” between user friendliness and visual appearance. I must say you have done a awesome job with this. In addition, the blog loads extremely quick for me on Internet explorer. Outstanding Blog!

  58. gib fixer auckland says:

    Pretty part of content. I just stumbled upon your blog and in accession capital to claim that I get in fact enjoyed account your blog posts. Anyway I’ll be subscribing in your feeds or even I fulfillment you get admission to persistently rapidly.|

  59. Check here says:

    I was pretty pleased to find this great site. I need to to thank you for ones time due to this wonderful read!! I definitely liked every little bit of it and I have you book-marked to look at new stuff in your site.

  60. home ac fix says:

    Very good blog! Do you have any hints for aspiring writers? I’m hoping to start my own website soon but I’m a little lost on everything. Would you advise starting with a free platform like WordPress or go for a paid option? There are so many options out there that I’m completely confused .. Any suggestions? Many thanks!

  61. click to see my profile says:

    Hello, There’s no doubt that your blog may be having web browser compatibility issues. Whenever I take a look at your web site in Safari, it looks fine but when opening in IE, it has some overlapping issues. I simply wanted to provide you with a quick heads up! Aside from that, excellent site!|

  62. poker says:

    Hi there, i read your blog occasionally and i own a similar one and i was just curious if you get a lot of spam responses? If so how do you reduce it, any plugin or anything you can advise? I get so much lately it’s driving me insane so any support is very much appreciated.|

  63. Instagram hack says:

    Howdy I am so happy I found your site, I really found you by mistake, while I was researching on Aol for something else, Anyhow I am here now and would just like to say thanks for a tremendous post and a all round exciting blog (I also love the theme/design), I don’t have time to read through it all at the minute but I have book-marked it and also added in your RSS feeds, so when I have time I will be back to read a great deal more, Please do keep up the awesome work.|

  64. homes says:

    Hi! I could have sworn I’ve been to this blog before but after going through a few of the articles I realized it’s new to me. Nonetheless, I’m definitely delighted I discovered it and I’ll be bookmarking it and checking back frequently!

發佈留言

發佈留言必須填寫的電子郵件地址不會公開。