新的里程牌
记得还在不久前才纪录到个人总资产已经超过200千,如今相隔1年又7个月,第三个100千也顺利达标了。和以往一样,大部分资金都是靠每月储蓄慢慢累积起来的,最大原因还是因为这两年收到的花红都非常不错,因此加速了累积财富的过程。对于这样的表现,心里当然还是很得意的,但是其实也没值得太骄傲,因为投资回报的贡献比例依然不高。
下一个要抵达第四个100千所需的时间估计会比较久,因为接下来就要准备进行人生的终身大事 - 拥有个人的首间房屋啦。当然我还是单身,买房不是为了结婚,只是到了这个年纪,也许是时候买下属于自己的屋子了。此外,也考量到买房产也可以当作对抗通膨的长期投资策略。至于个人的贷款负担能力,目前还有车贷还没供完,估计需要两年多才会还请,如果再加上房贷的话,个人的资产累积速度将会大幅度放缓,因此在开销、储蓄、投资的资金配置方面需要更加谨慎处理。正好日前政府才刚刚宣布,允许公积金局会员领取最后一次的特别提款,我打算申请拿出一万令吉来作为部分的买房头期款,然后就不再动公积金的钱了,毕竟公积金的派息率都很好,而且以后我退休后的生活费就是要靠它过日子了。
就如上文所说的,虽然手上现金比以前更加充裕,不过更多是当作短期的应急资金备用,同时也准备一些资金来作为长期投资的银弹。也许累积财富就是这么一回事吧,长期保持注意力并耐心等候回报,才能如期地完成目标吧~~
http://investalone.blogspot.com/2022/03/blog-post.html
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