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3種適合「基金定投」的族群,拒絕再當窮忙族!
日期 | 2020-12-16
撰文 |
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各位職場人是否有投資理財的習慣呢?股票、債券、基金定投......市場上琳瑯滿目的投資方式也令你眼花撩亂嗎?別怕!這次編輯歸納出3種適合「基金定投」的族群,如果你還不知道該從哪方面下手,不妨先評估自己是否有下列特徵。

 

1.窮忙族

基金定投又被稱作傻瓜投資法,意指投資者可以先選定具發展性的基金,然後設置每期預計投入的金額、扣款日期、扣款方式,日後將會由系統自動定期定額購入,這種方式對於沒時間的「窮忙族」來說再適合不過了,雖然你擁有固定工作但相對貧窮,這是因為你不擅長用錢滾錢,可以試著從最簡單的基金定投開始。

 

2.花錢如流水的月光族

第二種適合基金定投的族群則是「月光族」,如果你也是拿到薪水就想花錢犒賞自己的人,基金定存或許能幫助到你,因為它具有強制儲蓄的作用,且遵循了「開支=收入-儲蓄」的概念,每個月投入一點點資金,即使回饋不多但複利的效果也能在無形之中積少成多。

 

3.拿死薪水的上班族

基金定投其實也是懶人投資法的一種,不必時時刻刻盯著股票漲幅動態,只要從固定的薪資撥出固定比例投入即可,非常適合工作忙碌的「上班族」,若你是屬於資金不多但願意長期投資獲取收益的人可以參考看看哦!

 

如果各位職場人也中了上述3種族群的特徵,同時也在思考該進行何種投資的話,不妨從「基金定投」開始!不過,編輯也建議先尋找專業的理財人士幫忙規劃,再付諸行動會比較保險哦!若想知道更多理財觀念,歡迎加入職場人社團和編輯一起討論。

 

Source:pixabay

 

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