[請益] 關於信貸與空閒資金
如標題
小弟有職業相關的優勢在信貸上面可以拿到1.6~1.9%的利率
但一直以來我對信貸就抱持一個疑惑
融資利率雖高到6%,看似很高,但事實上是你用多少繳多少
然而信貸就不是了,而是你借多少,則要繳多少
舉個例子好了:
小弟看到2XX0從高點下跌9%
觸發自己的進場機制想要買進整體資產的10%
但苦於目前可動用資金(流動)剛好沒了,想先借個50%來擋
由於增貸利率很高,所以不存在我借一筆需要再借一筆
那當我丟進去第一個10%,剩下的40%空閒資金
意味著我正在繳1.6%*5 = 8% 的年利率
比起融資高上不少,更別說如果今天是2%以上的年利率
拿信貸All in 這種事情其實跟賭博沒什麼兩樣
永恆的投資也一定會有流動資金的概念
如此看來,看似年利率低,但似乎要承擔的風險並不會比較小?
不知道版友們有什麼看法,看有沒有機會分享討論看看
--
※ 發信站: 批踢踢實業坊(ptt.cc), 來自: 61.218.242.67 (臺灣)
※ 文章網址: https://www.ptt.cc/bbs/Stock/M.1713504067.A.62A.html
→
04/19 13:22,
1周前
, 1F
04/19 13:22, 1F
推
04/19 13:22,
1周前
, 2F
04/19 13:22, 2F
推
04/19 13:23,
1周前
, 3F
04/19 13:23, 3F
推
04/19 13:24,
1周前
, 4F
04/19 13:24, 4F
→
04/19 13:24,
1周前
, 5F
04/19 13:24, 5F
推
04/19 13:24,
1周前
, 6F
04/19 13:24, 6F
推
04/19 13:24,
1周前
, 7F
04/19 13:24, 7F
推
04/19 13:24,
1周前
, 8F
04/19 13:24, 8F
推
04/19 13:26,
1周前
, 9F
04/19 13:26, 9F
推
04/19 13:27,
1周前
, 10F
04/19 13:27, 10F
→
04/19 13:27,
1周前
, 11F
04/19 13:27, 11F
推
04/19 13:31,
1周前
, 12F
04/19 13:31, 12F
→
04/19 13:31,
1周前
, 13F
04/19 13:31, 13F
→
04/19 13:31,
1周前
, 14F
04/19 13:31, 14F
推
04/19 13:32,
1周前
, 15F
04/19 13:32, 15F
推
04/19 13:33,
1周前
, 16F
04/19 13:33, 16F
→
04/19 13:35,
1周前
, 17F
04/19 13:35, 17F
推
04/19 13:41,
1周前
, 18F
04/19 13:41, 18F
推
04/19 13:41,
1周前
, 19F
04/19 13:41, 19F
推
04/19 13:42,
1周前
, 20F
04/19 13:42, 20F
推
04/19 13:42,
1周前
, 21F
04/19 13:42, 21F
→
04/19 13:42,
1周前
, 22F
04/19 13:42, 22F
→
04/19 13:42,
1周前
, 23F
04/19 13:42, 23F
→
04/19 13:43,
1周前
, 24F
04/19 13:43, 24F
推
04/19 13:43,
1周前
, 25F
04/19 13:43, 25F
推
04/19 13:44,
1周前
, 26F
04/19 13:44, 26F
→
04/19 13:45,
1周前
, 27F
04/19 13:45, 27F
→
04/19 13:45,
1周前
, 28F
04/19 13:45, 28F
推
04/19 13:48,
1周前
, 29F
04/19 13:48, 29F
→
04/19 14:06,
1周前
, 30F
04/19 14:06, 30F
→
04/19 14:06,
1周前
, 31F
04/19 14:06, 31F
噓
04/19 14:13,
1周前
, 32F
04/19 14:13, 32F
→
04/19 14:41,
1周前
, 33F
04/19 14:41, 33F
噓
04/19 14:49,
1周前
, 34F
04/19 14:49, 34F
噓
04/19 17:00,
1周前
, 35F
04/19 17:00, 35F
推
04/19 18:03,
1周前
, 36F
04/19 18:03, 36F
→
04/19 18:04,
1周前
, 37F
04/19 18:04, 37F
→
04/19 18:06,
1周前
, 38F
04/19 18:06, 38F
→
04/19 18:06,
1周前
, 39F
04/19 18:06, 39F
→
04/19 18:06,
1周前
, 40F
04/19 18:06, 40F
→
04/19 18:08,
1周前
, 41F
04/19 18:08, 41F
→
04/19 18:08,
1周前
, 42F
04/19 18:08, 42F
→
04/19 18:08,
1周前
, 43F
04/19 18:08, 43F
討論串 (同標題文章)
Stock 近期熱門文章
PTT職涯區 即時熱門文章