[請益] 用GG質押開槓桿已刪文
小妹是GG擁護者,長期看好GG,故把身家資金以買GG為主,
也熬過疫情,賣掉一些又買更多回來。
去年8月因為買房需要現金,我陸續將 GG質押、多借的錢再繼續買GG...
目前共有38張質借中:
(19+7張)均價550(質押再借)+6張均價770+6張均價945
+現股2張均價928
=共40張、均價660,GG帳面獲利+900~1000萬(近期GG波動890-940)
質押共借約2000萬(用GG和部份存股(瑞昱等))
年利息約48.5萬
(元大證金8/5後利息調昇為3.2%,但我多是之前2.27%借的,先用2.27%算)
目前維持率約188%,上次股災掉到160%有點緊張,
再匯撥 GG入庫以備不時之需(目前裡面還有3張緊急時可用來提高維持率)
小妹年薪約50w不高,股利約70-80w,比年薪高^^;
所以我覺得質押的年息應可負擔(到期再還),加上GG資本利得已經有成果。
這四五年如果沒有GG質押,像我這樣的小資族可能無法如此快速獲得資產的累積。
但這樣是開了一個不小的槓桿,故也希望追求穩定,
有小小量買進美股VT,VTI,未來不排除陸續轉移,
想請問版上高手如果是我會怎麼做呢? 謝謝
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