談天說地主旨 ﹝請按主旨作出回應﹞ 上頁 首頁 | 寄件者 | 傳送日期 |
[#241] 退休投資組合 用五百元大紙呀 聽說是真的 |
klnking 正式會員 220.xxx.xxx.108 |
2017-07-29 12:41 | |
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[#242] 退休投資組合 240 但又要考慮 之後AUD/HKD 匯率 當然 如果唔換的話就不用理 如果同業拆息下 可能差不多 所以真的要行去問下銀行 |
klnking 正式會員 220.xxx.xxx.108 |
2017-07-29 12:48 |
[#243] 退休投資組合 i don't think a wealthy person does not need investment advice or need to know how to invest his money. according to one's net worth, each person lives on his own standard of living. hnm ching, given your liquid asset (70m) and your current annual spending (2m), the required return is 2.86% which is relatively easy to achieve. after your son graduate in 5 years, your spending is reduced. you know how much is needed after deducting school fee and living expenditure of your son from 2m. This is the amount required for retirement, keeping current living standard. say, it's 1.3m, your required investment return drops to 1.86% given this low return, you have very high flexibility in your choices of investment. knowing you are concerned of geographical risk, diversifying your investment to other countries is very logical. here's my thought of one possible investment plan 1) UK property (15m), i would pick Central London as an example. Current average gross yield is 3.0-3.5% After deducting tax and other fees, net yield may be something like 2.2% to be conservative. You don't have to worry about property price if you plan to past it over to your son. You have very long investment horizon. FX hedge might be required. 2) Bonds or Bond funds (20m), 2% yield is achievable on investment grade bond/fund for a investment horizon of 5-7 yrs 3) Global Stocks or Equity funds (20m), expect average div yield of about 2.5% after deducting dividend withholding tax 4) HK/China Stocks or Equity funds (15m), a conservative div yield of 3% depending on your investment strategy. Don't invest on anything you have no ideas (e.g. precious metal) Overall, here's the expected return UK Prop - 15m, 2.2% yield, 0.33m annual return Bond - 20m, 2% yield, 0.4m annual return Global stocks - 20m, 2.5% div, 0.5m annual return HK/China stocks - 15m, 3% div, 0.45m annual return Total Investment = 70m Average yield = 2.4% Total annual return = 1.68m Equity (50%), Bond (29%), Property (21%) HK (21%), Global (79%) You may adjust the above numbers according to your risk appetites and preferences, or even include other asset classes in your portfolio. As you approach retirement, you might want to reduce Equity exposure to 30% or even 20% gradually. 最後修改時間: 2017-07-29 12:56:53 |
bambino 正式會員 202.xxx.xxx.177 |
2017-07-29 12:52 |
[#244] 退休投資組合 [#239] 退休投資組合 真係要問問豆SIR,塘西風月史的書籍,有講將銀紙當柴燒用來煲紅豆沙事件,唔知真或假? ------------------------------------------------------------------------ a piece of cake R33 出名 google 專家 香港風俗專家吳旲先生的《塘西風月史》。 當年光顧大寨者都是富家子弟,讀書比人多,尋花問柳自然也講風雅、跟規矩。嫖客相中某妓,第一步係多次到妓廳飲宴跟對方熟絡起來;然後才有機會到妓女房間小坐吃吃生果飲杯茶,此即「打水圍」;多次光顧跟姑娘培養一定感情後,客倌才可成為「入幕之賓」發生關係。 入幕前客人還須「執寨廳」,大排筵席請親朋飲返餐,所召之妓全為同寨姊妹,示意自己終於榮升「契家佬」,日後有份負責此妓的生活開銷。當時請客一枱要召妓32人,威水嘅可以擺三圍請來全寨妓女,更威者係「打通廳」包起全寨開十席。 那時就算是達官貴人,有能力在四大天王執寨一圍已算有返咁上下家底,一晚開銷要300至500元。同大家計計數,1930年代打工仔每月收入有50元已算不錯,按香港2014年入息中位數15,000元推算,相當於今日10萬元。搞咁多嘢先係入幕咋,未計之後個個月買嘢送錢氹姑娘開心,認真燒錢! 至此不得不提真正的「燒錢」故事,據說曾經有兩位闊客為了爭女,竟然比拼燒銀紙來看看誰有更多錢。《收規華》中講到兩位公子燒銀紙分別為妓女影月和彩蝶取暖,但是為紅顏燒銀紙的確真有其事,而女主角是塘西名妓楚雲。故事流傳版本甚多,以下取自香港風俗專家吳旲先生的《塘西風月史》。 話說香港中年商家李大爺決定帶楚雲「埋街」,即贖身回家過人世,怎料中途殺出一位來自新加坡的黃大少,同樣鍾情於楚雲。雙方爭持不下,楚雲於是提出邊個有錢跟邊個。 兩人約到當年最有派頭的金陵酒家數銀紙,看看誰錢多。大概是因為雙方帶來的銀紙太多,數了半天仍未數完,黃大少便提出「不如燒銀紙」,李大爺又居然答應了。塘西人人聞言趕至,逼到酒家水泄不通,要派人維持秩序。 看着一張一張銀紙化為灰燼,人人啞口無言;反倒兩位闊佬一於懶理,最重要贏得美人歸。雙方從晚上12時一直燒到早上8時才分出勝負。黃大少身家都在新加坡,銀紙燒完就沒了;反而總部設在香港的李大爺後援強勁,靠着大量補級成功奪得美人歸,而黃大少飲恨而歸。 楚雲成功「埋街」後的下場不得而知,只知當年有得上岸也未必有好日子過。小說及改編電影《胭脂扣》背景亦為塘西,講紅牌妓女「如花」與南北行少東「十二少」相戀,因身分階級差距發展出一段悲情故事。故事雖為虛構,多少也反映當年實況 |
mrbeansr 正式會員 61.xxx.xxx.207 |
2017-07-29 12:59 |
[#245] 退休投資組合 Thank you bambino C Hing for the useful inputs, will certainly study them in depth. I went thru all the craziness of accumulators, deccumalators, ELN previously. Now just want a safe and maintenance-free portfolio to spend quality time during retirement. |
hnm 正式會員 14.xxx.xxx.37 |
2017-07-29 12:59 |
[#246] 退休投資組合 有7000萬現金 一年用200萬生活 200/7000=2.85% 其實你要求回報率大約2.9% 按照你搵咗咁多年錢嘅經驗 使乜請教人哋 呢度啲人講咁多投資方法 真係會畀你笑 最後修改時間: 2017-07-29 13:06:43 |
Nickmanwoo 正式會員 210.xxx.xxx.2 |
2017-07-29 13:05 |
[#247] 退休投資組合 [#231] 退休投資組合 要學下林則徐大將名句, 有子若我, 留錢給他怍甚, 有子不若我, 留錢給他更作甚 ----------------------------------------------------------------------- 嘩, 十爺中文根底都幾厚 不過, 有子不是我的 又點辦? |
mrbeansr 正式會員 61.xxx.xxx.207 |
2017-07-29 13:06 |
[#248] 退休投資組合 咁又唔係 人地都話will certainly study them in depth 咪睇下人地點覆囉 |
klnking 正式會員 220.xxx.xxx.108 |
2017-07-29 13:08 |
[#249] 退休投資組合 hnm hing, those structured products are ok if you know what they are and its payoff profile. in general, there's some gearing or yield enhancement involved by taking more risk. an investment portfolio is not static. it needs some works or maintenance to steer your portfolio to the right investment strategy as time goes and investment condition changes. you either do it yourself or have someone monitors it for you (at a fee, of cos). hope it helps |
bambino 正式會員 202.xxx.xxx.177 |
2017-07-29 13:12 |
[#250] 退休投資組合 a misconception that a wealthy person does not need investment advices. some doctors / lawyers make a lot of money. how many of them know investment at all? do they really want to spend the time to learn and manage their money? they might prefer to spend time on family life, playing golf....etc they have the choice. |
bambino 正式會員 202.xxx.xxx.177 |
2017-07-29 13:21 |
[#251] 退休投資組合 豆 Sir, 講起中文我仲把火, 我中文肥佬, 隔離個呀 *星*反為 pass, 個先生唔知有冇 mark 錯分。 有子不是我的...... 又點辦? 真是要問句妻了 最後修改時間: 2017-07-29 13:38:01 |
254mm 正式會員 218.xxx.xxx.144 |
2017-07-29 13:35 |
[#252] 退休投資組合 豆 Sir,唔該晒^^ 我記得有位舊同事講返佢地香港家族史,日據香港時,佢地家族賣了很多地換白米度過3年8個月日子,人生如夢,富貴得失無常,得又何歡,失又何愁,窮通皆命也。 |
hakman 正式會員 59.xxx.xxx.119 |
2017-07-29 14:25 |
[#253] 退休投資組合 |
happy123 正式會員 58.xxx.xxx.121 |
2020-04-15 03:21 |
[#254] 退休投資組合 小弟一向唔識及沒有投資, 但係, 重有幾年就退休, 所以依家開始諗吓計劃未來。 希望各位師兄俾啲意見。 |
pscamera 正式會員 1.xxx.xxx.210 |
2022-05-22 20:54 |
[#255] 退休投資組合 個人覺得介紹投資意見同介紹裝修師傅一樣,從冇好下場,做吓功課,向自己負責,5啱聽請勿打頭 |
一縷炊煙 會員 213.xxx.xxx.54 |
2022-05-22 21:30 |
[#256] 退休投資組合 我有睇過, 中銀, 工商都有 7%. |
pscamera 正式會員 1.xxx.xxx.210 |
2022-05-22 23:42 |