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(Frits Ahlefeldt-Laurvig, CC BY-ND 2.0)
me2we小編按:只要有行動,離目標就更近一步了!作者用自身經歷與我們分享,更給不同族群的朋友建議,十分貼心,值得一讀!看完後,也可以評量自己的屬性、風險承受度及適合自己的行動是什麼喔!
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進入社會以來,我從不懂要準備救急金和規劃理財,到開始規律地儲蓄,累積出一筆應急錢,這才領悟到:理財,開始行動就對了!
透過保險建立保障
我的第一個理財方式是保險,當年姐姐幫我買醫療險時,我完全不懂保險是什麼;後來才發現保險可以提供生活意外的保障。後來,每當領完年終獎金,我就會投入購買兼具保障和投資的保險商品;現在保障漸次完整,每年還可以領回一筆錢,變成旅遊基金。
另外,孩子小時候因為過敏體質,幾乎每兩個月就生病住院一個禮拜,每次住院我不僅得請假照顧,還要負擔一兩萬元的自付額,還好保險規劃補足了這個缺口,讓生活不致開天窗。
定期定額扣款、小錢變大錢
後來因為同事的邀約,我開始了第二個理財方式─每月扣款三千元購買基金。自動扣款讓我被迫只能使用扣款後的生活費。而到了結婚前,我發現戶頭裡竟有一筆積蓄,可以準備婚禮和度蜜月!
給不同族群的理財心得
我開始了解「小錢可以變大錢」、「月光族也能出頭天」的道理;然而重點在於正確地評量自己的財力與風險承受度。在此分享個人對不同族群的理財心得:
月光族:可以先用「小豬存錢法」,將每天身上的零錢全數投入存錢筒,累積一筆錢後,投入購買基金或「變額年金」類的保險商品,一方面提高保障,又能作多檔基金投資,分散風險。
每月可存款,但資金不多者:不妨選擇定期購買數檔基金,投資前應研讀一下各個基金的績效和投資標的,來分散風險。
擁有一筆無特殊用途存款的人:除了可選擇保險理財、基金投資外,也可考慮購買股票。不過,股票投資風險大,若不是長期關注股市操作的人,還是選擇績優、可長期投資的股票較好。
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本內容獲愛家文化事業基金會之《家庭好時光》雜誌授權刊載
作者:林苑
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