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存下百萬並不難!3種帳戶沒準備好就別貿然投資
日期 | 2021-02-23
撰文 |
-A 縮小字體
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相信對理財有一定概念的人都知道「投資有賺有賠」,但究竟要拿多少錢投資及到底要存下多少錢才可以進行投資呢?這次編輯要推薦一本專為理財門外漢或是剛要踏入投資之路的小資族而寫的25歲存到100萬》,其中書裡提到投資前應該準備好的3個重點帳戶,如果你也不清楚是哪3個的話,就趕緊跟編輯一起來看下去吧!

 

1.緊急備用金帳戶 

第1個重點其實是眾所皆知的「緊急備用金帳戶」,即使你不進行投資,緊急備用金也是每個月的必須,作者建議剛出社會的小資族,緊急備用金可以至少存滿10萬元。這一筆錢是當意外發生時,你可以隨時提用來保障生活。編輯也建議各位職場人可以先透過記帳的方式來預估每個月平均的生活費,這樣對於該存多少緊急備用金比較有概念。  

 

2.儲蓄帳戶

第2個該注意的則是「儲蓄帳戶」,作者建議儲蓄帳戶至少先存到2個月的薪水再進行投資,這筆錢的用途比較像是這個月突然想去進修、健身房,或是信用卡不小心透支等,可以應付這種不在原本計畫內但也不至於動到緊急備用金的狀況。

 

3.專款帳戶

第3個重點是投資前一定要設置獨立的「專款帳戶」,至於要投入多少錢可依照薪水而定,作者分享一個「631法則」生活開銷60%、30%儲蓄(含投資),最後10%則是風險規劃(例如:保險),假設你今天是薪資3萬元的上班族,那麼你每個月就有9,000元可以應用,像是細分為活存、股票或是基金等,也有助於你掌握目前可使用的投資額度。

 

以上投資前最重要的3個帳戶,各位職場人是否也已經準備好了呢?「投資基礎沒有打好就貿然進場,就不能算是投資而是投機!」如果你還尚未存到緊急備用金,或是你的薪資根本還不足以投資的話也沒關係,趁著努力存錢的期間可以多閱讀相關書籍增進財商,等到可以開始投資時才能一路過關斬將!

 

Source:《25歲存到100萬:學校沒教、掌握獨立理財思維的30堂課,讓人生更有選擇權!》、pixabay

 

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