[請益] 200w資金短期(3年)配置建議
大家好:
家裡有筆資金要用作未來買房頭期款的資金(200w),預計兩年後存到300w會拿來買房,
但家裡覺得目前這筆錢放定存投報率太低,想投入股市做相對穩健但報酬率更高的投資,目
前想到3個方案如下:
(一)權值型ETF:
200w,80%投入買權值型ETF(0050、006208),20%投入買美債(00687b)。
(二)高股息ETF
200w,80%投入買高股息型ETF(00878、00713、0056、00919),20%投入美債(00687b)。
(三) 混合型
200w,50%投入權值型ETF(0050)、30%投入高股息(00713),20%投入美債。
已知長期投資來看,一定是權值型ETF報酬會贏高股息ETF;
但目前這筆資金是「短期投資」,約2、3年放在股市而已,想跟大大討論,如果是短期投資
的資金運用的話,上述3方案的建議,目前是較偏好(三)混合型,或是有其他方案建議
都可討論,謝謝喔!
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09/21 17:14,
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※ 編輯: nagilong (1.160.98.150 臺灣), 09/21/2024 17:15:13
※ 編輯: nagilong (1.160.98.150 臺灣), 09/21/2024 17:17:14
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