更新财务状况
时隔2年又1个月,个人总资产终于超过400千了,而这次用的时间比上一个100千稍长,部分原因是这两年投资失利导致损失本金。另一方面,去年花在旅游费用也相当高尤其是在巴黎奥运会方面的支出。与往常一样,个人资产都是来自于工作薪资,毕竟它就占了我总收入之90%。另外,投资收入依然没有明显提升,因此也拖延了累积财富的速度。
话说很多年前看到水星熊在他的部落格每当完成100千的目标后就写一篇文章让我有所启发,觉得我也应该这样做以此来记录本身在财富管理方面做得如何。当然我的投资功力依然不到火候,不过至少让我清楚了财务自律的重要性。最近看到水星熊在面书贴文,得悉原来他正式走进了婚姻殿堂,实在是为他感到开心。毕竟人的一生不是只有工作赚钱,还有亲情、友情、爱情等等。而单身很久的他依然保持足够的耐心,在实现了财务自由后,终于寻找到了幸福的另一半渡过余生。而我呢,不管是在投资还是感情方面却还是一片空白。至于个人财富来到这个阶段,也没有当初累积第一个100千的时候兴奋不已,目前心态反而是趋向平和,因为过去几年在财务管理和消费习惯方面还是保持相当谨慎,因此对于取得的结果也没太大意外,就只是时间上迟或早的问题而已。
若依据网络上退休时需要多少钱的计算法,假设我希望在60岁退休,预期寿命为80岁,并维持目前每月的消费行为,那么在退休之时我至少需要200万的储蓄。很明显的我距离这个终极目标还相当遥远。然而如果我继续遵守财务纪律并提高被动收入的贡献,那就有望加速累积财富的速度。当然,我也明白不能只是仅靠储蓄来完成目标,在投资策略方面我需要做更多的调整和改变才能提升收益,而这也是我追逐下一个100千的最大挑战。
https://investalone.blogspot.com/2024/04/blog-post.html
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