財務自由自問自答
曾於過去的理財工作坊上分享了兒子6個月大的照片,朋友都說相當可愛。然而,不少財務上遇困難的父母都感到供養小孩是一大壓力,兒子到來這世界大大改變了父母的世界,養兒是享受,還是苦惱,原來也視乎財務計劃。
有時候,問一些年輕朋友有沒有財務計劃?有沒有確切目標?很多人會說「短期目標是買樓」,財務計計劃則是「開源節流」。但若長遠一點,思想整輩子的理財計劃,即財務自由計劃,該如何達成?相信不再是「開源節流」這般簡單。
相信大家都明白財務自由的意思,即被動收入(如租金或股息)已足夠生活開支,理論上是不用工作亦能生活,當然大家可以繼續為興趣及建設社會而工作。想達到財務自己,大家可以問自己以下問題:首先,大膽訂下45歲前要達到財務自由的目標好嗎?45歲太遲嗎?太早會太難做到嗎?想一想以上問題,心裡大概會有個譜吧。
記帳了解日常開支
第二是問自己的生活支出要多少?不妨將日常生活開支記帳,把支出分門別類記下來。記帳也是一面鏡子,把你的支出一一照出來,到有需要主動省錢時,可以對高支出的項目入手,成效最高。有些人則會過份節儉,對日常生活的小數目開支省得很要命,但到了買樓、買股票的大數目便亂來,最後換來生活質素大減或賠大錢,相當不值。
知道了自己的日常支出後,下一步可想想要多少資產才能產生足夠現金流去支付這些支出。假設計算過大約的數字,發現要1000萬才能達標,20歲出來工作至45歲,有25年時間,要累積足夠這數字。大家要問自己,你會選擇什麼投資工具?回報率多少?自己每年收入增長多少?每年能儲蓄多少?
定立目標讓人成熟
按照投資回報,自己的儲蓄能力、收入及支出的變化,便可用excel計算一下自己要多少年才能累積到這筆資產,以產生足夠的現金流。若發現目標難以達到的話,便要想想在25年裡可做什麼?例如努力增進財務知識及工作知識,讓主動及被動收入產生變化。真的沒信心的話,便要考慮調整目標。
只要有了投資終極目標,才有計劃短、中、長期目標的方向,會好好思考如何善用每一個分錢,盡可能讓它發揮最大效益,及早達成目標。同時亦會迴避風險,因為怕錢亂花一通會影響大計,一次意外將會讓計劃走回頭路。大家會了解透徹後,才作投資及花費。
理財不只是一個計劃,還會在多方面讓人變得更成熟。
推介影片:https://youtu.be/6zgleQBJz9E
https://www.cpleung826.com/2022/03/blog-post_20.html
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