儲蓄小祕技
想儲錢但唔知點樣開始？小編之前為大家介紹過入門新手必選嘅 50/30/20 黃金法則 ，而今日我哋將會繼續為大家整合其他方法。 由於每人都可能有唔同儲錢嘅理由同原因，例如為退休準備，又或者純粹為咗控制開支。正所謂 ”No dream is too big, and no dreamer is too small“，任何一個目標都同等重要。除咗 50/30/20 同之前轉載過嘅「信封儲錢法」，你亦可以嘗試每個月一出糧後即刻分配一部分到你嘅儲蓄，剩餘嘅部分先再用於消費。呢種儲蓄大計同其他介紹過嘅操作模式相反，但就可以確保離自己嘅理財目標又近咗一步。 選擇適合嘅儲錢方法有唔同標準，例如如果你唔太注重每項洗費嘅細節，有啲需要用到理財 app 嘅計劃就可能未必適合你。佢規定你紀錄每筆款項嘅詳情，連用途都要清晰記低。相反，50/30/20 法則會相對較為方便，你只需要每月分配你嘅收入一次，就可以無後顧之憂。但相對地 50/30/20 法則欠缺彈性，當嗰個月出現突發情況，你就需要調動一大筆資金。而「信封儲錢法」雖然用法非常簡單，但每月要將你嘅收入提取成現金，同時下所提倡嘅環保同電子嘅理念完全背道而馳。 無論用邊種方法，謹記定時定候留意自己有冇遵從自己嘅理財計劃，確保自己有持續穩定嘅進展。 資料來源：https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system?trk=nw_gn_5.0
Tips for Saving
Can’t wait to start saving but not sure how to master it? We have introduced the 50/30/20 golden rule – a must have item for the newbies. So today, we are going to explore more on those saving alternatives. While we may have different reasons for saving e.g. retirement, or simply just for keeping an eye […]
互惠基金 vs ETF (下)
上一篇 blog 提到，互惠基金同 ETF 都可以幫投資者分散風險，而佢哋嘅不同之處就在於一個使用「積極管理」，另一個使用「被動管理」。 積極管理，顧名思義即係投資者主動嘗試唔同嘅方法去打贏大市，通常受到專業基金經理採用。佢哋會透過資料搜集、分析預報去判斷市場走勢，再決定策略去投資合適嘅股票。由於事前準備工夫太多，所以購買互惠基金嘅費用非常高昂。 被動管理等同投資者跟隨股市走勢投資。佢哋嘅目標只係要配合返市場表現，唔需要打贏大市。做法較為簡單，投資者會追蹤某指數再追隨相關表現。比較為人所共知嘅有標準普爾 500 指數，自動幫助投資者追蹤該指數涵蓋嘅所有股票。由於做法簡易，因此費用亦相對較容易負擔。 正正因為費用問題，近年大部分投資者都捨棄積極管理基金，轉為購買指數基金。然而，市面上並冇一種最好嘅策略，因此我哋都要謹記以下幾點： 難以打贏大市 根據調查指出，喺 5 年年期入面，有 91% 嘅基金都無法打敗標準普爾 500 指數 (大市)。所以較低成本嘅指數基金未嘗唔係一個好選擇。 下行保護 積極管理基金嘅其中一個好處就係，具有豐富經驗嘅專業人士可以幫助我哋管理相應產品。萬一股市下行，佢哋仍然可以盡量保護我哋持有嘅資產。 分散投資 記得唔好將雞蛋擺喺同一個籃到，將你嘅資產分散投資到唔同產品，你亦可以持有幾個基金。 雖然市面上嘅管理方法林林總總，但需要記得我哋嘅目標就係要降低成本、分散同長線投資。 資料來源：https://wealth.visualcapitalist.com/mutual-funds-etfs/
Mutual Funds vs ETFs (2)
In the previous blog, it was stated that both mutual funds and ETFs can help investors to diversify their risks. Their main difference is that mutual funds utilise active management method, while the other one uses passive management. Active management indicates that investors proactively try out different methods to beat the market, it is usually […]
Mutual Funds vs ETFs (1)
Last time we have brought up 4 different ways to start investing, while picking stocks requires the most time and experience amongst those. As such, this option might be highly achievable for investment newbies. Are you looking for stepping stones? The market has got a lot on offer, for us to diversify risks and adjust […]
How to Start Investing? (2)
From what we mentioned about the ways of investing in stocks and mutual funds last week, it’s time to introduce the rest of the methods! Selecting index funds: Lower level of time and resources requiredFor those investors who picked index funds, they can track the performance of the investment market as a whole. Say if […]
How to Start Investing? (1)
As they say, “Well begun is half done”. Even though we are familiar with the benefits of investing, we could still be unsure of how to get started. This time we are going to analyze various investing ways for entering the market, and some tiny little details that we have to beware of. Apart from […]
The Science of Compound Interests (2)
After discussing the perks of compound interests last week, let us look into more real life examples today – 2 fresh grads who have just started their careers. Example A: Started saving early and invested $5,000 at the age of 25 Added $2,500 every year for investing until age 65 Example B: Delayed investing until […]
The Science of Compound Interests (1)
From where we left off last time as we weighed the pros and cons of investing and savings, one thing that makes investing stand out is because of compound interests. As such, we are about to explore different aspects of it today! Ever wondered about the magnificent snowball effect? This is actually how compound interest […]
The 50/20/30 Budget
It is undoubtedly difficult to live in this concrete city on a budget. While the barrier to saving is definitely high, let us loosen up a bit and introduce you to the tricks to budgeting! Among all the doable saving options that we can follow, the 50/20/30 Budget is the relatively more popular one. As […]
