请指教

cunjin2008

如果夫妻两人现在工作总收入-税后6万的话，该如何理财
没有孩子 谢谢

Artcore

这个问题很难回答.

每个人对投资方式,风险喜好,回报要求等等都不一样, 而且对工作计划,家庭计划也各不相同,所以很难回答.

如果处在买房子的阶段,可以考虑first home saving account.

cunjin2008

噢噢  买房现实吗 钱是不是太少了

Artcore

有人说,房子买得越早越好.

俺只是建议把积蓄放在first home saving account for 4 years to save the deposit for your first home.  

15% tax on earnings, while most taxpayer's marginal tax rate is 30%. Government contributes 17% equlivant of your personal contribution, but capped at $850 pa.

The catch is you can only withdraw the money (for deposit) after 4 years.

举例, for simiplicity, every year you put in $25,000 at the beginning of the financial year, and tax on interests will be 30% (mariginal rate for most taxpayers) and 8% is interest rate. 4 years later to compare)

Real Interest Rate 8% x (1-30%)= 5.6%
Real Interest Rate under first saving account 8% x (1-15%) = 6.8%

Normal Term Deposit Return:
25,000x(1+5.6%)^4+25,000x(1+5.6%)^3+25,000x(1+5.6%)^2+25,000x(1+5.6%)=114,806.20 Return of 14.8%.

First Home Saving Account
(25,000+850)x(1+6.8%)^4+(25,000+850)x(1+5.6%)^3+(25,000+850)x(1+5.6%)^2+(25,000+850)x(1+5.6%)=122,214.50 Return of 22.22%.

Devil_Star

如果是BALANCE以上的RISK PROFILE， 可以考虑把80％的储蓄放HIGH INTEREST SAVINGS, 20％放MANAGED FUND。
－不是FINANCIAL ADVICE， 只是个人意见，具体做法其实还得因人而异。

cunjin2008

噢噢噢噢噢噢噢噢噢噢噢  谢谢