小額定期定額投資太慢,P2P網路借貸投資火熱!

在低薪、低利率時代下,無論是單身或有家庭的小資族們為了準備退休基金、孩子的教育基金,以及買房與買車的頭期款,除了從日常的消費中節流外,也運用投資工具開源,希望可以提升每個月的被動收入,減輕財務壓力。扣除每月的開銷後,小資族可以使用在投資的資金可能非常有限,因此,許多小資族會選擇小額加定期定額的策略,以銀行定存的方式累積投資本金,或是進入股票、基金等投資市場累積財富。

 

P2P是什麼?P2P借貸有何投資門檻?

 

其實除了上述常見的定期定額的投資方式外,其實在網路與金融科技的發展下,在歐美、日本與中國盛行一種新興的投資方式—P2P網路借貸平台。P2P 的原文是Peer-to-Peer,中文翻作「點對點」,是一種網路技術或架構,而P2P借貸是一種將非常小額度的資金聚集起來借貸給有資金需求人群的一種民間小額借貸模式。P2P網路借貸平台分成兩種類型,包括P2P借貸和P2P不動產債權轉讓平台,不動產P2P借貸可以降低倒債風險,保障債權人可以請法院強制執行拍賣作為抵押擔保的房地產,以拍賣所得抵債。

從投資門檻來看,目前台灣的銀行定存普遍以10,000元做為起存的基礎,基金定期定額則是依照投資者選擇的金融信託機構的不同提供3,000-5,000元的投資門檻。而P2P網路借貸平台1,000元即可投資外,投資者可以依照每個月的財務狀況,評估與調整投資金額,給予相當高的彈性。

 

P2P網路借貸平台何以成為小額投資的首選?

 

台灣銀行的牌告利率來看,一年期定存的固定利率約 1.070% ,依照選擇的基金組合不同,穩健的平衡基金組合利率可達 3-8%,而P2P網路借貸平台投資利率高達8-10%,與大家熟知的銀行定存、基金定期定額等投資方式相比,P2P網路借貸平台的投資利率相對來的高。

 

小額投資比較

 投資方式    P2P網路借貸平台投資    銀行一年期定存    平衡基金組合
 投資金額  1,000元起  10,000元起存  3,000-5,000元
   利率  8-10%  1.070%  3-8%

對於正在投資,或是想要開始投資累積財富的小資族來說,也可以參考P2P網路借貸平台的投資方式。

同時,也要提醒各位小資族們投資一定有風險,在進入投資市場前一定要先做好功課,不要隨便聽信門牌。

 

 


 

延伸閱讀:

1.小額投資股票怎麼玩?定期定額買台股ETF,小資族投資的好選擇!

2.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!

3.債券型基金是什麼?五分鐘初步了解債券型基金!

4.新手投資理財怎麼開始?5個你必須知道的小額投資理財技巧!

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