tag:blogger.com,1999:blog-5942568277233109422.post7301755801306733478..comments2023-09-13T22:49:05.008+08:00Comments on 單親爸爸撞牆記@懶系投資法: 明益你的公共年金計劃風中追風http://www.blogger.com/profile/01518501085208630672noreply@blogger.comBlogger34125tag:blogger.com,1999:blog-5942568277233109422.post-28294425155503438112017-05-02T09:51:35.608+08:002017-05-02T09:51:35.608+08:00939,岩價就賣左佢啦~~~
咁如果內銀唔升又唔跌,又KEEP住派息,咁都唔錯0既,不過預留佢減派息...939,岩價就賣左佢啦~~~<br />咁如果內銀唔升又唔跌,又KEEP住派息,咁都唔錯0既,不過預留佢減派息空間,平時又儲起少少派息,咁咪OK。LCK1028https://www.blogger.com/profile/14167298903259496691noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-6145307508369784202017-04-29T14:44:54.498+08:002017-04-29T14:44:54.498+08:00哈,咁70兄會唔會當939係年金?真係唔少老人家係當內銀係年金架。哈,咁70兄會唔會當939係年金?真係唔少老人家係當內銀係年金架。風中追風https://www.blogger.com/profile/01518501085208630672noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-48636252733607698112017-04-29T01:34:38.892+08:002017-04-29T01:34:38.892+08:00到咁上下年紀, 通漲呢, 夠駛或者慳D駛就得!
最緊要穩陣....
果班股神可能十年前大手買左騰訊,...到咁上下年紀, 通漲呢, 夠駛或者慳D駛就得!<br />最緊要穩陣....<br />果班股神可能十年前大手買左騰訊, 每個月賣番幾股出黎當年金.LCK1028https://www.blogger.com/profile/14167298903259496691noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-26221240213640124282017-04-29T01:32:20.319+08:002017-04-29T01:32:20.319+08:00識睇一定睇呢篇留言. 中女Z社長下話...
可能明知病痛多, 唯有靠收人租交醫藥費; 定係收得血汗租...識睇一定睇呢篇留言. 中女Z社長下話...<br />可能明知病痛多, 唯有靠收人租交醫藥費; 定係收得血汗租多, 攪到SOMEONE唔開心送左D病痛比佢?<br />希望佢唔會禍及家人啦, 佢地無辜架...LCK1028https://www.blogger.com/profile/14167298903259496691noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-56905241367178862202017-04-29T00:45:38.595+08:002017-04-29T00:45:38.595+08:00樂唔樂觀不敢講,回報率同平均投保人壽命變數好大。樂唔樂觀不敢講,回報率同平均投保人壽命變數好大。風中追風https://www.blogger.com/profile/01518501085208630672noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-28662365739768142542017-04-29T00:21:50.508+08:002017-04-29T00:21:50.508+08:00呢個計劃真係好吸引,政府隨時又另類派錢。
另一方面我覺得按證話自己包底係過份樂觀呢個計劃真係好吸引,政府隨時又另類派錢。<br /><br />另一方面我覺得按證話自己包底係過份樂觀Darth Mikehttps://www.blogger.com/profile/10045086852677758860noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-8480255390671161642017-04-29T00:18:10.045+08:002017-04-29T00:18:10.045+08:00一手iBond係實賺的,世間上邊0 risk又要大啖肉架,舉下手就賺餐茶算係咁啦!一手iBond係實賺的,世間上邊0 risk又要大啖肉架,舉下手就賺餐茶算係咁啦!風中追風https://www.blogger.com/profile/01518501085208630672noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-4636573209460673532017-04-28T18:54:57.822+08:002017-04-28T18:54:57.822+08:00其實真係好so, 但係仲有人覺得ibond無肉食(唔好忙記係0 risk)。。。其實真係好so, 但係仲有人覺得ibond無肉食(唔好忙記係0 risk)。。。MrOliverhttps://www.blogger.com/profile/13617752545105133413noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-35715918911863046862017-04-28T17:55:55.079+08:002017-04-28T17:55:55.079+08:00我覺得孳息率應該係4%,7%裏面有部分係本金。我覺得孳息率應該係4%,7%裏面有部分係本金。Big Oxhttps://www.blogger.com/profile/10664080322558722707noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-69102643374690249332017-04-28T17:27:11.878+08:002017-04-28T17:27:11.878+08:00Cherry Sit2017年4月28日 上午11:32
“為何不買樓收租?”
其實自己選擇做收租佬...Cherry Sit2017年4月28日 上午11:32<br />“為何不買樓收租?”<br />其實自己選擇做收租佬,並無問題~但做人唔好太黑心,睇中X社社長就知。<br /><br />可能我誤解了以上這句話了Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-67063059265398461232017-04-28T17:24:35.545+08:002017-04-28T17:24:35.545+08:00池兄說得極是,比較必須全面才行,單單比較息率沒有意義。
通脹是退休規劃的一大挑戰,但年金在退休時可成...池兄說得極是,比較必須全面才行,單單比較息率沒有意義。<br />通脹是退休規劃的一大挑戰,但年金在退休時可成為一個起碼的生活保障,然後再想其他方法抗通脹,例如抗通脹債券、股票、Reits等等。風中追風https://www.blogger.com/profile/01518501085208630672noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-73805840443995178112017-04-28T16:22:40.331+08:002017-04-28T16:22:40.331+08:00回報率要跟風險相比較才有意義,年金的優勢是每月發放的金額是「保證的」,即接近零風險,不過對生活所需的...回報率要跟風險相比較才有意義,年金的優勢是每月發放的金額是「保證的」,即接近零風險,不過對生活所需的實質幫助還要視乎通脹。池裡漁https://www.blogger.com/profile/11162570051240423987noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-58693303374259730652017-04-28T16:14:44.710+08:002017-04-28T16:14:44.710+08:00這裏沒有人說過買樓收租=黑心。這裏沒有人說過買樓收租=黑心。風中追風https://www.blogger.com/profile/01518501085208630672noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-43561327073111567582017-04-28T15:34:26.881+08:002017-04-28T15:34:26.881+08:00買樓收租=黑心?咁買Reits呢?買樓收租=黑心?咁買Reits呢?Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-3514068215683404492017-04-28T14:23:46.621+08:002017-04-28T14:23:46.621+08:00親,就算是衰人我都不會開名的,所以我不會透露X女社的全名。:P親,就算是衰人我都不會開名的,所以我不會透露X女社的全名。:P風中追風https://www.blogger.com/profile/01518501085208630672noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-38880416484590051272017-04-28T14:19:04.159+08:002017-04-28T14:19:04.159+08:00將年齡限制降低,年金率就沒有7%了,一切都是計算出來的,親。將年齡限制降低,年金率就沒有7%了,一切都是計算出來的,親。風中追風https://www.blogger.com/profile/01518501085208630672noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-23803888805952015042017-04-28T14:17:30.994+08:002017-04-28T14:17:30.994+08:00Rx10兄講笑啦,你年輕有為,前路一片光明,這種退休計劃遠輪不到你考慮,哈哈!Rx10兄講笑啦,你年輕有為,前路一片光明,這種退休計劃遠輪不到你考慮,哈哈!風中追風https://www.blogger.com/profile/01518501085208630672noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-18109984307659272332017-04-28T14:14:10.781+08:002017-04-28T14:14:10.781+08:00同意普遍反應都是正面的,但這個世界總有不同意見。同意普遍反應都是正面的,但這個世界總有不同意見。風中追風https://www.blogger.com/profile/01518501085208630672noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-67696006022790578762017-04-28T14:12:01.307+08:002017-04-28T14:12:01.307+08:00係呀,成日話買內銀長線投資收息的散戶真係多,成日都聽到。但係內銀一跌小小,第一時間打上電台問使唔使放...係呀,成日話買內銀長線投資收息的散戶真係多,成日都聽到。但係內銀一跌小小,第一時間打上電台問使唔使放的又係佢地。風中追風https://www.blogger.com/profile/01518501085208630672noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-43235480621684651052017-04-28T14:06:30.329+08:002017-04-28T14:06:30.329+08:00Yes, 魔兄兩篇文我都有睇過,保險公司的年金計劃真係一D吸引力都無,仲只係派到85歲。Yes, 魔兄兩篇文我都有睇過,保險公司的年金計劃真係一D吸引力都無,仲只係派到85歲。風中追風https://www.blogger.com/profile/01518501085208630672noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-50750020201998145332017-04-28T14:01:40.180+08:002017-04-28T14:01:40.180+08:00生果金有兩種,無資產與入息審查的高齡津貼與有審查的長者生活津貼。前者無影響,後者申請咗年金政府就掌握...生果金有兩種,無資產與入息審查的高齡津貼與有審查的長者生活津貼。前者無影響,後者申請咗年金政府就掌握咗該部份的資產與收入資料。<br />可以斷保,本金會在打折後攞返,折幾多未公佈。<br />風中追風https://www.blogger.com/profile/01518501085208630672noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-4670916224470480472017-04-28T13:58:35.553+08:002017-04-28T13:58:35.553+08:00我比較過政府年金同保險公司的年金計劃,政府計劃實在好太多:
https://magicianyan...我比較過政府年金同保險公司的年金計劃,政府計劃實在好太多:<br /><br />https://magicianyang.blogspot.hk/2017/04/blog-post_14.html<br /><br />https://magicianyang.blogspot.hk/2017/03/blog-post_14.html不敗的魔術師https://www.blogger.com/profile/12738598802399619797noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-33864917156021985922017-04-28T12:04:19.412+08:002017-04-28T12:04:19.412+08:00假如內部投資回報率平均做到每年3至4%回報,而投保人平均壽命為85至87歲,確實可以收支平衡。
但保...假如內部投資回報率平均做到每年3至4%回報,而投保人平均壽命為85至87歲,確實可以收支平衡。<br />但保險界有一個悖論:年金是鬥長命的遊戲,只有自覺健康的長者才有興趣投保,所以投保人的平均壽命會比一般人長,引致所派息減低;但派息一減低,吸引力驟減,又趕走了一班自覺只有一般健康的長者,剩下一班極健康的長者,派息又要再減低……形成惡性循環。所以私人年金市場推不出終身年金計劃。<br />但我個人認為一般人性,無乜人會預自己短壽,應不會出現以上情況。風中追風https://www.blogger.com/profile/01518501085208630672noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-60736712904789079402017-04-28T11:32:31.537+08:002017-04-28T11:32:31.537+08:00“為何不買樓收租?”
其實自己選擇做收租佬,並無問題~但做人唔好太黑心,睇中X社社長就知。“為何不買樓收租?”<br />其實自己選擇做收租佬,並無問題~但做人唔好太黑心,睇中X社社長就知。Cherryhttps://www.blogger.com/profile/03659033270799186631noreply@blogger.comtag:blogger.com,1999:blog-5942568277233109422.post-30867863612979281112017-04-28T11:20:30.815+08:002017-04-28T11:20:30.815+08:00最好把年齢限制降低, 我都好想買最好把年齢限制降低, 我都好想買Gitana https://www.blogger.com/profile/14089370158542191757noreply@blogger.com