Investment beginner means anyone without investment experience.
Start from zero, how to start then?
假設一位大學畢業生畢業後找了一份工作, 每月有HKD$13,300扣除退休用強積金收入, 每月可以用$60元一天,返工午餐及車費開支, 返22天工作, 每月支出$1,320; 手機月費費用:$100,家用:$1,500, 每月雜項費用支出:$380.即支出大約$3,300一個月; 餘下$10,000儲蓄起來, 儲蓄率便有75.19%。
Assumed a fresh graduate finds a job with monthly salary HKD$13,300 after MPF contribution, he can use HK$60 in daily lunch and travel fees with HKD$1,320 monthly expense. $100 mobile fee, $1,500 family expenses and $380 sundry expenses. He can save around HK$10,000 a month. Saving ratio is about 75.19%.
The first thing to do before investment is saving.
如果他把首2個月儲蓄儲起,買入年息最少有2厘I bond, 每年會收到利息HKD$400, 之後10個月可以月供年股息率5厘或以上/20送1紅股股票/過去10年平均每年股價投資組合有5%增長或以上股票組合, 第一年便可以產生大約$5,400的被動收入。
If he save up the first two months saving and buy 2% annual interest return i bond, he can get HKD$400 interest income , and continue to save HK$10,000 in the next ten months and contribute into a 5% or above dividend yield /1 for 20 bonus shares /5% or more average growth stock portfolio in the past ten years, the first year can generate about HKD$5,400 passive income after the first year.
The above design the begineer can have some cash equivalent i Bond as his foundation and input the following 10 months saving in a more risky stock portfolio, at least he can have some cash equivalents to meet the rainy days for urgent needs.
Later essays will discuss the investment portfolio design.