趁後生開始踏實理財

Michael: 

Hi Lum Sir, 

Thanks for writing a blog in the manner that you do. Really love reading the insights from your posts. 

Am writing to ask you about the High Yield Bond Fund. Know a reader once asked you about it, and you said to “PM” you… Well, hope your email is the same as PM. 

If you don’t mind, I have a quick question to ask: I have around HKD 1.6M cash and a property. The property will meet the 2 year line this Sep. What should I do with the money? 

Here is a quick summary of my plan: 

1. I have deployed HKD 800k into AUD-Hedged high yield bond fund last Friday; Does this still make sense? Or have I screwed up? (e.g. It’s said that money will be pouring into stocks from bonds globally) 

2. HKD 300k cash (this is my emergency fund) 

3. HKD 200k Stocks; aim to get more big chips as their price drop; will to get more Bank of China 3988 coz of its high dividend rate 

4. HKD 200k CNY; currently this is in China for 3~5% interest rate p.a.; I can liquidate this money within a week by dealing with my parent’s high net worth friends. If you know how to achieve around the same rate in Hong Kong (preferably HSBC, then that will be great…) 

5. HKD 100k Other currencies and gold 

Questions: 

1. Does this plan above make sense? My goal is to get another property for rental income around September (because 1. Hope by then the market will have a clearer direction; 2. the initial investment for and the dividend from my AUD-High Yield Bond Fund will be leveled; 3. My property can be sold without extra tax rate. 
  
2. Is there other alternatives/ adjustments that I should be aware of? 
3. Can you give me some advice regarding my career development? Before reading your blog, have been considering working Saturday at a small-time realty agent to learn more about the way realty market works. In your category for Specialist-Generalist, I see myself am a modern slave, working as a management consultant in my second year in big 4. Our pay per month is set to follow this path (11k in first year, 20k, 30k,… adds 10k per year… I have been fast tracked to the third year line in my second year, but still knowing this is just Big 4 (not the top 3 in my industry), I am in a constant fear that I am not living up my full potential…

THANKS

答案:

Michael只在社會打滾了幾年，在big4任職會計仔。年輕「擁有」一間樓加上手持1.6mil現金，算是幾叻仔了。Michael冇提供如何年紀輕輕就儲到1.6mil現金，相信是由自住樓套出來的。讀到此處不少讀者會諗「咪又係靠間樓」! 就連筆者自己都想時下大部份後生仔唔靠間樓變現係冇咩可能廿來歲儲到百幾萬的，此亦是最令人黯然之地方。當然亦有不少唔靠間樓都可賺到第一桶金之年青人，你可看筆者之網友龔成之新書，參考一番。

 
Michael有1.6mil現金，一半放係澳元債券基金，由文所看michael兄頗為擔心，擔心債市資金抽走去股市。但由三月尾市況一看，港股如用市盈率量度不在高估價，加想塞浦路斯「捱」到三月最後一日，亦係復活節長假前先重開銀行，筆者估計可能想等埋歐美各個市場季結，然後再用假期沖淡壞消息。首先組合過份偏向債券及現金，承受太低風險。睇到呢度你可能會感意外，心諗風險唔係越低越好嗎? 又或想筆錢如果真係由樓套出來，何不穩陣為先，唔好做有風險之投資。

其實過份保守亦令人承受風險。尤其收入有限者，亦即大部份人。假設你收入長期維持在三萬餘元，你由26歲至56歲，為求令筆者易計，你又易明，你的「黃金三十年」總收入共$30000*360=$10,800,000。當然你唔係由廿六歲先開始做野，亦未必五十六歲退休。但按照香港情況，能在廿六歲月入提升至$30000，到四十歲都未比人裁，而人工能維持不減(是的，唔減已偷笑。加人工好耐無聽見，有都係一千幾百!)，算是不錯了。咁即係你成世人夾埋先搵一千萬，筆者有冇講錯呢??

一千萬之分配，有一半時是在供樓上。當然有人是選擇租樓的，但以筆者觀察係香港社會裸身租樓既，多數不是自願︿又係屬好有錢一群。作為一個窮中產，有間未供完既樓係手，是該階層之身份象徵。咁點解有一半錢花在供樓上呢? 如你九成上會買入3.6MIL樓宇，在現時息口分30年還，都要比利息1.368mil，假如30年之平均息口再上升至3.5%，你所付利息為2.0mil! 所以成條數計埋，基本上你有近5.0mil花於樓房上、換來只是三百餘萬之蝸居。剩低既一半錢，要用黎做咩呢? 結婚擺酒生仔醫病，筆者又再假設你可將剩低既錢每月可儲起一半，(10.8mil-5.0mil)/2，即........

按此到原文看全答案:

http://www.homebloggerhk.com/?p=7160

用子彈對付新議題:

財政司長曾俊華經常指出「我手頭上唔會剩係得一粒子彈」。

原來財政司長曾俊華: 視香港地產從業人員,香港小業主為敵人,要用子彈射殺, 假如香港政客在: 五.一/7.1遊行抗議搞活動時,手持財政司長曾俊華用子彈射殺香港小業主標語牌就大件事,敵對矛盾又升級.........

我真不明白財政司長曾俊華為什麼要用子彈對付香港地產從業人員小業主購置房產施政???你用: 子彈對付???是否會有惡有惡報???