小額理財並不難!窮忙世代擺脫死薪水只能靠投資

薪水漲幅跟不上物價,忙進忙出只能賺取微薄薪資,身在這個窮忙世代,擴張財富的方法無非開源與節流。但薪水如此微薄,再怎麼節流也不可能省下多少錢,反而可能造成生活品質下降而影響工作表現,唯一的翻身方法大概只有透過投資小額理財來開源,身為投資新手該如何選擇?容我介紹幾個小額投資方法吧!

 

小額投資方法推薦

 

在進場投資前,必須先瞭解自己投資的目的。是為了日後創業籌措資金?或是想讓閒置資產作最有效率的運用?還是單純不想讓存款被通膨吃掉?瞭解自己的需求後,才能正確分配資金於不同風險的金融產品,穩健而安心的獲利。

以下介紹幾種適合小額投資理財的方式:

 

一、零存整付

零存整付即是一種銀行定期存款。一般的「整存整付」定存,需要一次投入所有資金,待到期後才能領回。零存整付則可以約定每次以較小的金額,定期強制轉出給銀行。非常適合意志不堅卻又想存錢的小資族,或是作為每年繳稅的存款規劃。零存整付雖然有金錢管理上的便利性,但近年定存利率不太好看,甚至跟不上通膨速度。且資金運用極不具彈性,不建議當作長久主要的理財工具。

 

二、定期定額買基金股票

現在有許多銀行特別針對小資族推出定期定額買股票或基金的方案,原理是集合眾人的資金去購買特定一檔或多檔個人無法負擔的高價股票。和定存一樣是有規律、好管理的投資方式,且都可以從三、五千元的小金額開始操作。定期定額通常有高於定存的利率,且可以拉長戰線,以長期投資平均損益。基金又有專家幫忙操盤,對於尚未具備理財知識的小資族是很方便的入門方式。但定期定額仍然有一定的風險,疏於控管仍有可能會虧損喔。

 

三、銀行理財APP

各家銀行紛紛推出線上服務,甚至是功能齊全的手機APP應用程式。當中不乏主攻年輕人市場的銀行,主打銅板投資和AI理財等服務,堪稱是小額投資最佳福音。且這類服務通常可以結合外幣買賣、轉帳、帳單繳款、信用卡消費等業務,進行全方位的個人經濟管理。只要謹慎監控個人的線上金流,不因為方便而胡亂操作資產,使用銀行APP是非常值得推薦的理財方法!

 

四、不動產債權P2P借貸平台

歐美已經風行一段時間的P2P借貸平台。P2P借貸Peer-to-Peer Lending),是一種個人對個人的借貸模式。平台方靠著媒合資金的需求方(債務人)與供給方(債權人),並抽取傭金來獲利。比起傳統借貸,P2P借貸短期且相對小額的操作方式,對於借款方和放款方都是門檻較低的選擇。利率較銀行定存高出許多,甚至超過一般基金表現,對於手握有限資金的小資族也是一種相當有潛力的投資方式。

 

瞭解自身的投資能力以及各種投資標的的差異後,就可以開始制定投資計畫與目標。小資族理財投資時切記不要過於保守,畢竟投資是為了創造被動收入,脫離以勞動賺取收入的處境。若是死守在低風險、低利率的投資方式,一定無法創造足夠的獲利,投來投去好多年仍然是小額投資。

小額投資只應該作為短期策略,長期規劃仍應該以脫離小資,創造可觀財富為目標。一開始可以先設定目標年利率在4%~5%左右。雖然看似不多,但已經遠遠超過定存利率。逐步磨練投資技巧,保有一定的備用現金,有朝一日一定可以不再小資!

延伸閱讀:

 

4大投資工具!小額理財為小資族加薪

參考資料:

前麥肯錫顧問的理財建議:愈害怕投資有風險,就注定一輩子賺辛苦錢!|經理人 

87 thoughts on “小額理財並不難!窮忙世代擺脫死薪水只能靠投資

  1. g which says:

    Hello I am so happy I found your web site, I really
    found you by error, while I was searching on Google for
    something else, Regardless I am here now and would
    just like to say thanks a lot for a remarkable post and
    a all round enjoyable blog (I also love the theme/design),
    I don’t have time to read through it all at the moment but I
    have book-marked it and also added in your RSS feeds, so when I have time I will be back to read much more, Please do
    keep up the fantastic jo.

  2. about g says:

    I’m truly enjoying the design and layout of your website.
    It’s a very easy on the eyes which makes it much more pleasant for me
    to come here and visit more often. Did you
    hire out a developer to create your theme? Exceptional work!

  3. cbd oil that works 2020 says:

    Hey there exceptional blog! Does running a blog such as this require
    a lot of work? I’ve virtually no expertise in coding but I was hoping to start my own blog soon. Anyways, if you have any recommendations or techniques for new blog owners please share.
    I understand this is off subject but I simply had to ask.
    Cheers!

  4. best web hosting company says:

    I don’t know whether it’s just me or if everybody else experiencing issues with your website.
    It appears as if some of the written text in your posts are running off
    the screen. Can someone else please comment and let me
    know if this is happening to them as well? This may be
    a issue with my internet browser because
    I’ve had this happen before. Cheers

  5. buy cbd gummies says:

    I am the business owner of JustCBD Store label (justcbdstore.com) and I’m presently seeking to develop my wholesale side of business. I am hoping someone at targetdomain give me some advice . I thought that the very best way to do this would be to connect to vape shops and cbd retailers. I was hoping if someone could suggest a reputable web site where I can buy CBD Shops Business Lists I am currently considering creativebeartech.com, theeliquidboutique.co.uk and wowitloveithaveit.com. Not exactly sure which one would be the most suitable choice and would appreciate any guidance on this. Or would it be simpler for me to scrape my own leads? Suggestions?

  6. web hosting providers says:

    Hmm it appears like your blog ate my first comment
    (it was extremely long) so I guess I’ll just sum it
    up what I submitted 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 suggestions for novice blog writers?
    I’d certainly appreciate it.

  7. cheap flights to orlando florida says:

    Hi there, I found your website by means of Google at the same time as looking for a similar matter, your
    web site came up, it looks great. I have bookmarked it in my google bookmarks.

    Hello there, simply was alert to your weblog via
    Google, and found that it’s truly informative. I am gonna be careful for brussels.
    I will be grateful for those who continue this in future.
    Lots of other people can be benefited out of your writing.

    Cheers!

  8. Extreme Green says:

    Good day! I could have sworn I’ve visited this web site before but after looking at many 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!

  9. South Building Inspections says:

    Hi there! This blog post could not be written much better! Going through this article reminds me of my previous roommate! He constantly kept talking about this. I am going to forward this information to him. Fairly certain he will have a very good read. Thanks for sharing!

  10. flight tickets says:

    You’re so awesome! I don’t think I’ve read anything like that before.
    So good to discover another person with a few genuine thoughts on this topic.
    Seriously.. thank you for starting this up. This site is something that’s needed on the web, someone with some
    originality!

  11. over at this website says:

    The next time I read a blog, Hopefully it does not disappoint me just as much as this particular one. After all, Yes, it was my choice to read through, however I truly thought you would have something useful to say. All I hear is a bunch of complaining about something that you could possibly fix if you weren’t too busy looking for attention.

  12. website host says:

    This is the perfect website for anyone who really wants to understand this topic.
    You realize a whole lot its almost hard to argue with you (not that I personally would want
    to…HaHa). You definitely put a new spin on a topic that’s been discussed
    for many years. Great stuff, just great!

  13. website host says:

    An intriguing discussion is worth comment. There’s no doubt that that
    you ought to write more about this subject matter, it may not be a
    taboo subject but generally people do not discuss such topics.
    To the next! All the best!!

  14. cheap flights says:

    hey there and thank you for your information – I’ve definitely picked up something new from right here.
    I did however expertise a few technical points using this site,
    since I experienced to reload the website lots of times previous to I could get
    it to load properly. I had been wondering if your web host is OK?

    Not that I’m complaining, but sluggish loading instances times will sometimes affect
    your placement in google and could damage your high-quality score if advertising and marketing with Adwords.

    Anyway I’m adding this RSS to my e-mail and could look out for much more of your
    respective intriguing content. Make sure you update this again soon. yynxznuh cheap flights

  15. black mass says:

    Hmm it appears like your site ate my first comment (it
    was extremely long) so I guess I’ll just sum it up
    what I submitted and say, I’m thoroughly enjoying your blog.
    I too am an aspiring blog blogger but I’m still new to everything.
    Do you have any tips for first-time blog writers?
    I’d definitely appreciate it.

  16. best web hosting says:

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

  17. Reynalda Deshazo says:

    I’m amazed, I must say. Rarely do I encounter a blog that’s both equally educative and entertaining, and without a doubt, you have hit the nail on the head. The problem is an issue that not enough people are speaking intelligently about. I’m very happy that I stumbled across this during my hunt for something regarding this.

  18. Orlando AC Repair says:

    An impressive share! I have just forwarded this onto a colleague who has been doing a little research on this. And he actually ordered me dinner because I found it for him… lol. So let me reword this…. Thank YOU for the meal!! But yeah, thanx for spending the time to talk about this matter here on your web page.

  19. Monkey Kinetics says:

    Oh my goodness! Awesome article dude! Thank you so much, However I am encountering issues with your RSS. I don’t understand why I cannot join it. Is there anyone else having the same RSS problems? Anybody who knows the solution can you kindly respond? Thanks!!

  20. Graham Binsfeld says:

    Hello there! This article could not be written any better! Reading through this post reminds me of my previous roommate! He constantly kept preaching about this. I am going to send this information to him. Pretty sure he’s going to have a great read. I appreciate you for sharing!

  21. booking says:

    Hi there! This article could not be written much better! Reading through this post reminds me of my previous roommate! He continually kept preaching about this. I am going to forward this information to him. Pretty sure he will have a good read. Thank you for sharing!

  22. Barton Noy says:

    This is the right blog for anybody who wishes to understand this topic. You realize a whole lot its almost hard to argue with you (not that I personally will need to…HaHa). You certainly put a brand new spin on a topic that has been discussed for many years. Great stuff, just excellent!

  23. Click here says:

    Can I simply say what a comfort to uncover someone who genuinely knows what they are talking about online. You actually realize how to bring an issue to light and make it important. More and more people have to read this and understand this side of the story. I can’t believe you’re not more popular given that you surely possess the gift.

  24. Arielle Sternisha says:

    May I simply just say what a comfort to find someone that truly knows what they are discussing on the web. You actually know how to bring a problem to light and make it important. A lot more people must read this and understand this side of your story. It’s surprising you’re not more popular because you certainly possess the gift.

  25. Get more info says:

    Can I simply just say what a relief to uncover somebody who really knows what they’re discussing on the web. You certainly know how to bring a problem to light and make it important. More and more people should read this and understand this side of your story. I was surprised that you’re not more popular given that you certainly possess the gift.

  26. view more says:

    After looking at a handful of the blog articles on your web page, I honestly appreciate your technique of writing a blog. I bookmarked it to my bookmark webpage list and will be checking back soon. Take a look at my website too and let me know your opinion.

  27. Visit says:

    Hello, I do believe your website could be having internet browser compatibility problems. Whenever I take a look at your site in Safari, it looks fine however when opening in Internet Explorer, it’s got some overlapping issues. I just wanted to give you a quick heads up! Besides that, wonderful site!

  28. here says:

    Good post. I learn something totally new and challenging on blogs I stumbleupon every day. It’s always interesting to read content from other writers and use a little something from their websites.

  29. Check here says:

    Hi there! I could have sworn I’ve visited this web site before but after looking at many of the posts I realized it’s new to me. Anyways, I’m definitely pleased I came across it and I’ll be book-marking it and checking back regularly!

  30. Robbie Boeck says:

    After looking over a handful of the blog articles on your web site, I really appreciate your technique of blogging. I saved as a favorite it to my bookmark webpage list and will be checking back in the near future. Please check out my web site as well and tell me what you think.

  31. Jewel Leep says:

    I blog frequently and I really thank you for your content. The article has truly peaked my interest. I will bookmark your site and keep checking for new details about once a week. I subscribed to your Feed as well.

  32. Lisha Andrick says:

    I was very pleased to discover this great site. I wanted to thank you for your time for this fantastic read!! I definitely appreciated every little bit of it and i also have you book marked to look at new things on your website.

  33. Chung Wuebker says:

    An outstanding share! I’ve just forwarded this onto a colleague who has been doing a little research on this. And he in fact bought me dinner because I discovered it for him… lol. So allow me to reword this…. Thanks for the meal!! But yeah, thanks for spending the time to talk about this issue here on your blog.

發佈留言

發佈留言必須填寫的電子郵件地址不會公開。