重壓金融股 土木工程師月領11萬 想退休了 - 職場
By Steve
at 2020-08-10T06:44
at 2020-08-10T06:44
Table of Contents
※ [本文轉錄自 cjol 信箱]
作者: qwe22992168 (支那贱畜) 看板: Stock
標題: [新聞] 重壓金融股 土木工程師月領11萬 想退休了
時間: Sun Aug 9 15:21:52 2020
1.原文連結:https://www.ettoday.net/news/20200807/1779554.htm
2.原文內容:
近年全球低利率籠罩,台股市場有著高殖利率優勢加持,存股成了一門顯學。就有土木工
程師提及,在精心布局金融股之下,今(2020)年光靠股利平均就能月領近11萬元,看著
豐厚報酬忍不住動了退休的念頭,不過一票網友看到負債表後,幾乎一面倒反對。
擁有土木碩士文憑的網友日前在Mobile01上貼文,提到年紀邁入中年,加上現職工作做了
7年,心中浮現出強烈的職業倦怠症,於是加緊了投資的腳步,盼達成提前退休的願望。
他先計算負債部分,有一般型房貸758萬元、理財型房貸300萬元、股票質押借803萬元,
目前每個月要償還3萬7303元,2年後漲到每月得還5萬6303元。這些錢幾乎全部All in用
來投資股票,以金融股為主,其中約有一半是買玉山金(2884)。
「我知道這樣有點衝,今年3月的時候也嚐到帳戶接近-400萬的帳面虧損,目前看起來是
還好挺下來了。」忍過了艱困的新冠疫情股災,他估算在大筆資金投入買股下,現金股利
約能領到42萬8580元,平均月領3萬5715元;股票股利用今年的平均股價來估,約可領到
88萬8840元,平均月領7萬4070元。
簡單計算,今年一整年預估能領到的股利高達131萬7420元,平均月領10萬9785元。他表
示,現在有了這些收入,完全不工作、扣掉每月償還貸款,生活仍相當有餘裕,就算2年
後月繳5萬6303元,光用股利清償,每月還能剩下5萬3482元花用,「我這樣有離開職場的
資格嗎?我真的累了。」
文章貼出後多數網友都不支持,尤其是看到大筆債務待清償,直說風險太高,「只要有負
債就很難退休」、「萬一哪天配息變低了那怎麼辦」、「你這風險好高」、「看到關鍵字
『貸、借』就不用想了」、「樓主利用資產槓桿,取得股票後又再拿股票借款,已經是槓
桿x2、利息x2,風險不能小噓(覷)」、「借錢來玩股票真的壓力很大,已經10幾年沒崩
盤了,萬一真的崩盤你怎麼辦?」
不過也有些人認為,股利收入高出債務一大截,有本錢離職了,「樓主的被動收入已經比
相當多人的年薪都高了」、「依據樓主計算出來的每月現金流,應該是可以離職了。」
3.心得/評論:
活樂大叔投資術 月領配息11萬
活越久領越多 吃飽等死的日子 真快活
板上有這樣快活的存股族嗎??
長 期 投 資 越 買 配 息 越 多 變 成 大 富 翁 !
--
中国人对于宗教、自由完全没兴趣
中国人唯一的信仰就是吃饱和钱
中国人一提到民主两字马上就闭嘴
中国人只是长得像人 但其行为完全不像是正常人类
像是被眷养的家畜 这也是「支那贱畜」的由来
--
作者: qwe22992168 (支那贱畜) 看板: Stock
標題: [新聞] 重壓金融股 土木工程師月領11萬 想退休了
時間: Sun Aug 9 15:21:52 2020
1.原文連結:https://www.ettoday.net/news/20200807/1779554.htm
2.原文內容:
近年全球低利率籠罩,台股市場有著高殖利率優勢加持,存股成了一門顯學。就有土木工
程師提及,在精心布局金融股之下,今(2020)年光靠股利平均就能月領近11萬元,看著
豐厚報酬忍不住動了退休的念頭,不過一票網友看到負債表後,幾乎一面倒反對。
擁有土木碩士文憑的網友日前在Mobile01上貼文,提到年紀邁入中年,加上現職工作做了
7年,心中浮現出強烈的職業倦怠症,於是加緊了投資的腳步,盼達成提前退休的願望。
他先計算負債部分,有一般型房貸758萬元、理財型房貸300萬元、股票質押借803萬元,
目前每個月要償還3萬7303元,2年後漲到每月得還5萬6303元。這些錢幾乎全部All in用
來投資股票,以金融股為主,其中約有一半是買玉山金(2884)。
「我知道這樣有點衝,今年3月的時候也嚐到帳戶接近-400萬的帳面虧損,目前看起來是
還好挺下來了。」忍過了艱困的新冠疫情股災,他估算在大筆資金投入買股下,現金股利
約能領到42萬8580元,平均月領3萬5715元;股票股利用今年的平均股價來估,約可領到
88萬8840元,平均月領7萬4070元。
簡單計算,今年一整年預估能領到的股利高達131萬7420元,平均月領10萬9785元。他表
示,現在有了這些收入,完全不工作、扣掉每月償還貸款,生活仍相當有餘裕,就算2年
後月繳5萬6303元,光用股利清償,每月還能剩下5萬3482元花用,「我這樣有離開職場的
資格嗎?我真的累了。」
文章貼出後多數網友都不支持,尤其是看到大筆債務待清償,直說風險太高,「只要有負
債就很難退休」、「萬一哪天配息變低了那怎麼辦」、「你這風險好高」、「看到關鍵字
『貸、借』就不用想了」、「樓主利用資產槓桿,取得股票後又再拿股票借款,已經是槓
桿x2、利息x2,風險不能小噓(覷)」、「借錢來玩股票真的壓力很大,已經10幾年沒崩
盤了,萬一真的崩盤你怎麼辦?」
不過也有些人認為,股利收入高出債務一大截,有本錢離職了,「樓主的被動收入已經比
相當多人的年薪都高了」、「依據樓主計算出來的每月現金流,應該是可以離職了。」
3.心得/評論:
活樂大叔投資術 月領配息11萬
活越久領越多 吃飽等死的日子 真快活
板上有這樣快活的存股族嗎??
長 期 投 資 越 買 配 息 越 多 變 成 大 富 翁 !
--
中国人对于宗教、自由完全没兴趣
中国人唯一的信仰就是吃饱和钱
中国人一提到民主两字马上就闭嘴
中国人只是长得像人 但其行为完全不像是正常人类
像是被眷养的家畜 这也是「支那贱畜」的由来
--
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