小資建立被動收入必讀:被動收入方法與平台介紹

物價拼命漲,薪水卻萬年不漲?小資一族想靠死薪水建立一個有房有車的家庭似乎有點難,除了拼命加班,你還有另外一條路可走:建立被動收入。
擁有穩定的被動收入讓你不必工作也可以維持生活,完成財務自由的人生。以下將介紹被動收入的定義、被動收入平台以及適合30歲前的小資族打造被動收入的方法,建立完善的被動收入系統後,就能自在享受人生,不再為了生活而工作。

被動收入是什麼?

需要工作才能活得的收入是「主動收入」,相對的,即使不工作仍有源源不絕的收入就是「被動收入」。只要能在一開始投入並創造出穩定的現金流入,往後定期維護,就能獲得穩定的被動收入。比如裝修房屋後就能每月獲得租金的出租房屋,或者寫完介紹文後可以領取想金的聯盟行銷。如果你擔心薪水被通貨膨脹吃掉、如果你被工作阻攔了夢想、如果你不確定明年會升官加薪,那被動收入就是你必修的財務學分。

當你不需要工作也有收入時,就有多餘的時間可以做真正想做的事,完成你的夢想。人生只有一次,掌握財務自由才能讓你的人生從金錢中解放,而且建立被動收入愈早愈好,你的資產能隨時間慢慢累積,當你退休時就能擁有一定存款,能高枕無憂的享受退休生活。

30歲被動收入每月加薪

雖說被動收入愈早建立愈好,但是還不到30歲的小資們存款不多,說不定還背負學貸,大部分的時間必須投入到工作中,實在沒辦法每天投入大量時間經營副業。因此需要注意被動收入的效率與前景、需要投入的時間與資本自己是不是負擔得起,只要掌握到適合自己的被動收入方法,就能慢慢累積你的人生第一桶金。

如果你擔心一種收入來源不夠多,你還可以建立被動收入組合,透過多種方式開創現金流入,替自己多賺一筆零用錢。

如何建立穩定的被動收入系統?

想建立被動收入的方法有很多,包括常見的投資理財、成為內容創作者、加入聯盟行銷。你不一定需要在每一個管道上都達到精通,只要掌握訣竅,在每個管道上都擁有約幾千塊的現金流入,就可以透過這個被動收入系統帶來穩定收益。

以下就簡介幾種適合不同情況小資的被動收入方式,小資們不妨多加參考。

投資理財被動收入

如果你有一小筆存款,以錢滾錢如果操作得當,一夕暴富也不是不可能。不過如果以建立被動收入為目標,穩定獲利才是重點,因此我們僅討論風險低的理財方式。

儲蓄

  • 投入金錢:1分(滿分5分)
  • 投入時間:1分
  • 投資風險:0分
  • 收益多寡:1分

投資理財有賺有賠,但儲蓄是最安全、幾乎零風險的理財方式。銀行活期存款每年可以增加約1%的利息,儘管不足以被稱為「收入」,但只有存在銀行、你可以隨時動用的錢才是真正屬於你的資產,在學會任何投資方式前,首先要學會讓資產留在身邊。

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基金

  • 投入金錢:2分
  • 投入時間:2分,需要選擇經理人、基金標的
  • 投資風險:1分
  • 收益多寡:2~3分,視經理人而定

如果沒有時間研究投資行情,基金可以讓你省去管理的部分,直接獲得投資收益。基金是許多人將金錢交給專業經理人管理,由於能動用的金額龐大,比起投資人自行操作可以創造更高的投資報酬。適合沒有時間管理也沒有投資經驗的新手,對於沒有太多資產的小資族來說,少量金錢就可擁有專人管理的投資組合,CP值也很高。
基金依投資項目的不同也分為股票型、債券型、貨幣型等,投入前可多加了解自己偏好哪方面的組合。

延伸閱讀:基金投資教學ptt攻略!第一次基金投資入門就上手!

 

房地產

  • 投入金錢:1~5分,視房產來源與狀況而定
  • 投入時間:3分
  • 投資風險:1~2分
  • 收益多寡:1~5分,視房產狀況而定

如果你名下恰好有房產,出租房屋可以讓你每月獲得大量而穩定的被動收入。不過出租前的裝修費、後續的設備維護費用、與房客協商水電費用、甚至是碰到惡房客的隱性成本,都使得房地產需要較大量的金錢與時間投入。如果你沒辦法負擔每月固定的維護時間,也沒有購屋的頭期款資金,那門檻比較高的房地產或許不適合你。

多元被動收入與被動收入平台

除了以錢滾錢的投資,零存款也有突破之道。你可以成為創作者,比如部落客、網紅,獲得網站的廣告分潤,或者藉由業務合作的方式賺取業配金。即使你不打算成為名人,也可以藉由聯盟行銷宣傳特定產品並獲得分潤。

被動收入平台介紹

聯盟行銷

  • 投入金錢:1分
  • 投入時間:3~5分,需要花時間了解商品、撰寫內容
  • 收益多寡:1~5分,視廠商提供的獎金多寡

聯盟行銷平台可以媒合廠商與推廣者,如果推廣者成功銷售產品,就可以獲得一定的抽成。平常喜歡分享資訊、逛論壇、嘗試新產品的小資們可以在聯盟行銷平台上找到可以推廣的產品,把連結分享在自己的社群上。

聯盟網

聯盟網發起於美國,商品多元,領域多樣,合作的客戶包括Apple台灣、LINE APP、OB嚴選、momo購物網、阿里巴巴、Expedia旅遊預定等,想加入的人可以在官網註冊成為推廣者,成功推廣商品後每個月獎金就會自動匯入戶頭。

通路王

通路王起源於台灣,與許多台灣知名商家合作,包括Yahoo!奇摩購物中心、樂天市場、17Life、生活市集、ibon、博客來書局等。使用者可以註冊成為聯盟會員,自行撰寫廣告收取傭金。

成為創作者

  • 投入金錢:1分
  • 投入時間:5分
  • 收益多寡:1~5分,視創作轉換成金錢的成效而定

隨著影音平台、社群網路的興起,人人都可以成為創作者,從Youtube到直播主,網路成為素人出道的最管道。但是想要獲得關注並不容易,需要耗費大量時間與心力創作受人歡迎的內容,如果成功了,能帶來的成就感與收益也非其他被動收入方式能比擬。

Google Adsense

如果你喜歡寫文章,或者正在經營部落格,你可以在網站中插入Google Adsense,網站流量就能為你帶來收益。

好學網

如果你有一技之長,你可以透過網路開課。好學網能讓教師在線上販售課程,不過你需要找到授課教室與器材,也需要培養一定的臨場反應與口條能力,需要不少時間投入。

Hahow好學校

對那些害怕面對人群的人,把課程錄製成影片販售就不需要面對學生,也可以教學。Hahow好學校提供不同教師、各種領域的課程,還可以協助想開課的人進行募資。雖然授課收入有一部分必須分享給平台,只要講一次課卻可穩定創造收入的特點仍值得考慮。

Pubu電子書

想出版自己創作的故事不一定要投稿到出版社,電子書出版不須印刷成本,也不需要費時與編輯討論,相對的也需要為銷售量負責。只要有人想看你的故事,你就能販賣電子書,以最小的成本出版,獲得最多的販售收入。

用多元方式創造被動收入,開啟財務自由人生

創造被動收入的方式遠不止這些,不過目的都是邁向財務自由,讓自己再也不必被薪水綁住,而能追求自己的夢想。建議大家多多認識不同的被動收入方式,多方了解自己適合哪種管道。也可以參加多元實戰營說明會,向成功人士學習如何擁有財務自由的人生。

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