[請益] 30歲理財規劃
目前收支
薪水:95k
孝親費:暫時不用
租屋：10000
通訊費:1000
生活費+娛樂費:20000
保險費:50000/年
紅包:100000/年
消費方式:現金，無信用卡
目前沒有任何資產負債
存款約200W
目前一個月跟會5萬，都是媽媽跟了20~30年的會腳，算穩定
1年約存60W
預計2年後結婚
希望能有400W當頭期款
年初聽了朋友報牌買過一次股票75W資金約賺22萬/3月
但每天提心吊膽，覺得不踏實
希望能有個穩健的投資方法，請各位指導
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