[转帖] 投资股票还是买屋收租好？

Tan KW

Publish date: Fri, 08 Feb 2013, 05:59 PM

真实案例

SAM目前33岁，来信说不知该选择投资股票，还是买一间二手屋收取租金。

另外，他提出以下几个问题：

计划短期内购买一间价值RM170,000的双层排屋（20呎X70呎，已30年屋龄），可行吗？

本人和妻子几时可以退休？

有甚么更好的投资或如何增加收入？

专家回答

不熟悉的投资就是高风险

Sam夫妻每月收入已属中产，不过你们的每月开销对比收入来看却只是刚好有一些余额而已。如果银行可以借钱给你们，90%的房贷（RM153,000）分30年摊还，每月供款大约RM850左右。

以你们每个月结余500令吉来看，对于供房贷是一个不小的负担。你们一家四口的日常生活需要花费5、6千令吉，对于一般家庭是有点偏高。

许多一家四口的低收入家庭，收入只足以应付生活开销，唯有节俭才会有更多钱可以投资。以目前的房地产行情来看，已经很难在大城市物色到价格RM170,000的双层排屋，我们猜想那房子可能是在乡下或比较偏远的地区，如此你要考虑收到的租金是否足够付房贷分期。

如果每月还要贴钱付房贷，那为何要投资房产？是因为它未来有很好的增值前景？如果是在偏远落后的地区，房价是很难大幅度升值的，而且偏远地区要找人租房子也不容易，请考虑清楚再决定。

至於投资股票方面，我们看到你有大约1/4的资产是投资在股票，可能你比较能承受风险变化的心理压力，所以你的高风险资产比较多；其实高风险的定义很难以投资产品来决定，如果随便买到不良产业，低风险的地产也变成高风险了。

如果买到公司业绩年年成长的股票，试问又何来高风险？所以不管是任何一种投资，如果你还搞不清楚就投入，那就是高风险的投资。

许多人认为买屋收租是一个稳定的收入，不过前提是能否抵销房贷的负担？房地产的租金报率约为4-5%，大马股市绩优派息率高的公司不少，只要细心观察也可以找到年股息5-8%的公司。投资的资本比房地产动辄数十千来得低，未尝不是一个稳定的投资收入。你可比较看那种方式适合你，不过要切记，不熟悉的投资就是高风险投资。

减少开销多储蓄

以你们的每月开销来算，你们目前的所有资产只够使用5年有余。以后孩子升学还要一笔额外费用。以现在的收入来看，设法减少不必要的开销和降低生活享受，多储蓄为先行方法。

接下来寻找有绩效的投资选择，设法把现有资金稳定增值，同时投资自己，学习新技术提昇自己的专业能力，增加薪资收入。

如果是自己做生意，可咨询专业人士如何透过账目和稅务规划，有效融资以扩大业务规模、提昇公司效率，把生意越做越大。

接下来就要设定自己的退休条件，先决定你退休后的每月生活水準要多高？然后定下每月开销的数额，再乘上你要过多少年的退休生活，最后得到一笔为数不少的数字，就是你的退休目标。只要真正做到开源节流，就能快速达到你要过的退休日子。加油！

来源：（星洲财经）

Discussions

Be the first to like this. Showing 6 of 7 comments

shirley1

a couple that earning 7200 also headache to get a house they wanted !!

if work and stay in city, in one day, not many ppl can afford landed property anymore. notice most ppl are working until retire jus to pay for the house and cars. indirectly they are working for the banks. guess banks will be making more and more money.

when i was in hong kong, the property is even much more expensive and a guy there told me, not easy to survive in hong kong, then he told me this,

"it is not easy to make a living, but you want to get rich it is easy."

very contradicting statement he made, but if you try to understand it, it will make sense.

2013-02-08 22:57

shirley1

for majority, including my family :( the salary may not be able catch up with the cost of living, the poor may get poorer (not easy to make a living), the rich is getting richer (so easy to get rich).

he told me this, there is a guy there bought a big bungalow there, but he never stay cuz the ex-owner bankrupt staying in the house. so that guy split and build the bungalow into four units and sell, this make him much more richer.

normally, the poor will save here save there and work hard for money, the rich will make their money work hard for them, their house become bigger and bigger till look like a castle.

well, too bad it has become a fact of life, guess that why quite a number of ppl is here trying to make second income in share market, and wish everyone will make more money and achieve their dream in the coming year.. happy and prosperous Chinese New Year :)

2013-02-09 09:11

Desmond Liew

This is life,, strong swallow weak.. weak eat soil...

2013-02-09 11:55

Desmond Liew

穷不跟富斗, 富不跟官斗.

2013-02-09 11:57

shirley1

haha.. noted. so if one day you become strong, will you swallow the weak. and will you against the politician ? enjoy life and happy cny to you Desmond. :)

2013-02-09 14:23

Desmond Liew

Hi! Happy CNY huaaat Ahhh!!! Shirley,, My swallow here means big co takes over small co.. I dont go against policitians bcos 官got 2 mouths & i being a civilian got one mouth...

2013-02-10 15:03

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