小額投資四方式-小資家庭理財不可不知  

小資族獨自打拼了好一陣子,好不容易才遇到Mr./Ms. Right,成家後迎面而來的往往是最現實的經濟問題。沒有堅實的經濟基礎,所有對婚後生活的美好想像都不可能成真。有錢不一定能夠幸福,但沒錢生活一定清苦。小資家庭苦哈哈,想改善生活除了努力掙錢,小額投資也是一種方式。

 

小資家庭生計顧慮多 小額投資正適合

小資族投資時往往有過於保守的盲點,偏好低風險、低利率的投資標的。但小資族本錢極低,再乘上只比定存高不了多少的利率,投不投似乎沒什麼差別,不可能藉此創造多少財富。

 

不過成家立業後情形就不一樣了,一開始的婚宴與搬遷就是一筆不小的費用。更別提生活穩定後,接踵而來的車貸、房貸、各種稅務。如果打算生小孩,奶粉錢、學費等等的開支更是驚人,雙薪收入都不一定能夠負擔。想拿出多餘的資金去投資真是難上加難。

 

即使如此,在薪資成長力道有限的環境,想要有效增加資產,再辛苦都要擠出存款來投資。年輕人適合嘗試短期高風險的投資管道,小資家庭則可以選擇以下這些風險較低且穩健的方式:

 

一、定期存款

雖然近年定存利率極低,甚至跟不上通膨速度,但定存仍然是相當可靠的理財方式之一。定存一來獲利可以預期,二來風險趨近於零。非常適合存放緊急零用金、稅金預備存款等。

 

二、整頓保單

家庭的經濟重擔往往只落在一兩個人身上,因應意外事故的保險機制必不可少。這不是要你多買保險,反而應該要定期整理家庭成員的各種保單。根據《保險法》第 38 條,對同一項標的重複保險的賠償總額,不得超過保險標的之價值。因此無論是一時不察重複投保、或是因為人情勉強加保的保單,通通都是浪費,一定要盡早處理。

 

三、外匯存款

近兩年台幣兌美元持續走強,持續在2829附近徘徊,正是適合買美金的時機。要是傻傻的只用台幣存款就虧大了。只要長期持有二到三種波動不大的主要幣別,並配合國際情勢適時轉移,雖然銀行買入賣出的價格不同,依然能夠創造一定的利潤。

 

四、股票挑績優

雖然小資家庭資金有限、風險承受度低,股票仍然是十分重要的投資方式。

 

首先,現在沒錢絕對不代表未來不會有錢。等到有錢時再來學習如何投資高風險標的,往往為時已晚。再來,股票也有風險高低之別。新手入市不放心的話,可以選擇長期持有行業中的龍頭股、績優股,便可以較穩健安心的獲利。例如某華電信,或是台X50,都是市場中以表現優良聞名,有一定殖利率(花一塊錢買股能有多少現金股利)的定存概念股

 

但必須特別注意的是,表現再穩定的股票,仍會受到市場的重大變動影響。一旦持有就要持續關注市場才是負責任的投資方式!

 

家庭理財溝通互信、書面計劃最重要 

以上幾種投資方式各有不同風險,如何搭配、轉移,要視經濟能力和風險承受度而定。最重要的是,操作家庭投資基金,一定要根據家中成員的期望、偏好,做長遠的規劃。彼此溝通是相當重要的一環。

 

即使是夫妻也未必能夠心靈相通。為了確實溝通想法,最好要用文件記錄短、中、長期的投資理財規劃,並定期評估投資成效。

 

家家有本難念的經,可以少本經濟經,何嘗不是一件好事。祝各位投資順利,盡早脫離小資!

 

延伸閱讀:

小額理財並不難!窮忙世代擺脫死薪水只能靠投資

Fintech新選擇!不動產債權讓小資族也能輕鬆放款

 

參考資料:

四種「外匯交易法」,只要你想賺錢就能快速上手 幣圖誌 Bituzi  – 商周.com

小資族的四大投資管道 – StockFeel 股感知識庫

 

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