你想要財務自由嗎?

你對現有的生活方式滿意嗎?

你有沒有想過, 如果朝早睡醒起身可以返工又得,
唔返工又得, 都無需要擔心會不會有收入,  你覺得這種感覺好唔好呢?

什麼是財務自由?

財務自由,意味著您可以在沒有定期收到薪水的情況下保持理想的生活方式。

財務自由,令你有绝對的自主,去用你的時間、你的人生來做你真正想做的事。

你和我,像大部份人樣(除非你是富豪的後代,所謂的含著銀匙羹出世的富二代),都是要經過一個努力奮鬥的階段,才能達至財務自由的。

階段1)沒有自由

每個人都可以通過尋找工作來換取薪水這個階段來開始旅程。在這個階段,每個月都需要一份工作和可靠的收入來支付我們生活所需。

階段2)臨時自由

要想進入財務自由的臨時階段,你必須控制自己,令你花的錢少於你的收入,並創造一個儲蓄池。否則,您將被迫無限期地繼續工作,因為你的生活方式取決於您的就業收入。當您開始節省一部分收入時,你可以將你的儲蓄投資於多元化的投資組合,以產生固定的收入來源。或者,你可能會創業,創造另一種收入來源。

你的自由與你的儲蓄一起增長。最終,你將獲得足夠的資金,以便能夠輕鬆地轉換工作,開創企業,返回學校進修,或去環遊世界旅行一年,這個財務自由階段可能包括重大的生活變化,但仍不是永久性的。你的自由是暫時的,因為你的儲蓄會隨著時間而耗盡,迫使你再次工作以賺取收入。

階段3)永久自由

在此階段,你的非就業或被動收入總額超過您的總開支,你不再需要雇主的穩定薪水!
你可能擁有可靠的副業和/或投資組合,可產生足量收入。

對的,副業仍是勞動收入。你仍是在用你的時間換錢。但是,我的假設是:  到這個階段,你的副業是你喜歡做的事,是令你感到滿足或你覺得有意義的事。

被動收入 ≥ 支出  =  財務自由

這個的公式中有兩個變量:  1. 被動收入  和  2. 支出

說出來很容易, 很簡單:  就是當你的被動收入大過或等如你的支出的時候,你財務上面就已獲得自由了。               

舉一個例,阿德每個月要用的錢是2萬5千,那麼一年就是30萬,如果阿德做到
10% 的投資年回報 , 而阿德有300萬本金的話,就像有一隻金鵝,每年可以為他生出足夠的金蛋,
令他再沒必要為生活上的需要而擔心。

有什麼可以為我們產生被動收入, 使我們可以不需要工作,
甚至在睡覺時, 都在賺錢的呢? 舉個例, 如收租物業,
收租的車位, 或者有個的士牌可以租出去, 或者是持有一些債券,
或一些穩定派息的股票, 與房地產信託基金等等, 都是一些能夠提供被動收入的工具。 當你的被動收入, 到一個價值, 已經高過你的開支時,
你就會像阿德一樣, 財務上面可以自由了!

 你可能在想:誰不想擁有出租物業? 但擁有租賃物業需要很多錢,而我的收入微薄。
如何能夠購買產生被動收入的資產呢?

  一步步致富

所謂「萬丈高樓從地起亅, 你想開始養一隻會幫你生金蛋嘅金鵝,
簡單來說, 有兩個方法:

  1. 增加你的收入

巴菲特年輕的時候 , 就是靠清晨出去派報紙,  來開始賺他的第一桶金的。 想想看,
你有沒有一些才能或者是多出來的時間, 可以用來做一些副業,
去增加你收入的呢?

除了增加收入之外,
還記得 我們的財務自由公式裏面,
其中一個變量就是我們的支出。 如果我們有辦法可以減少我們的支出,
那麼我們每個月省下來, 可用於儲蓄和投資的資金就會更多:   

  •   減省你的開支       

來,
試試給自己一個挑戰: 想想看,你有沒有辦法, 可以減低你的消費,
而不降低你的生活質素的?  

每天離家出外工作時,
會不會讓家裏的電腦一直在運行而沒有關掉呢? 香港的電費很貴,
這樣一來, 每個月花費在電費上的不必要開支, 其實是可以省下來作為你的儲蓄的。

思考並找出一些方法,
如果每天能省下100元, 一個月就能夠節省3,000元,
這樣的話, 你就可以開始建立你的資金池, 有彈藥開始作你的投資,
為你的將來作出更好的準備了。

在下面的圖1裏, 可以看到,
如果阿德從26歲開始, 每月儲蓄5,000元,
而每年有 8% 的年回報,  10年之後, 即阿德36歲,
他已經擁有超過100萬的資產 但係同樣地每月儲5,000元,
如果遲了10年開始, 即是36歲才開始的話,
到65歲退休的時候, 第一個情況, 他會有超過1,600萬的資產,
而遲了10年開始, 所累積的資產就只有700多萬,
你看, 相差了一半也不止呢!

反過來說, 如果我們等待我們的收入更高時才開始,
比如說等到46歲, 晉升為高管才每月儲蓄雙倍(1萬元)
的話, 這樣到65歲退休時, 所能累積的資產,
就連600萬都不到。 其實時間是可以幫我們大大增加財富累積的威力的,
這就是我們經常聽到的Compound Effect複息效應的威力了。

可能你心裏會問, 在哪裏可以找到每年8%
的回報呢? 由於篇幅的關係我們留待下一次再探討這個問題, 不過可以簡單的告訴你,
其實要做到這樣的回報, 並不是太困難的。 其實最困難的,
是我們要有這個恆心每個月去儲蓄, 我們才有彈藥可以去做投資, , 才可以讓我們的財富,
好似雪球一樣, 越滾越大。

如果我們每個月有定期儲蓄和投資的良好習慣, 我們會發覺,
我們不只會有長遠的財務自由, 好快, 我們便會有消費的自由。 意思就是, 我們所儲蓄的錢,
我們的金鵝, 會愈養愈大, 幫我們生的金蛋,
也越來越多。 舉例來說, 如果你喜歡旅行,
你有每月儲蓄5,000元的習慣的話 從第二第三年開始,
你已經可以每年去一個免費的旅行, 這就是你養的金鵝, 送給你的禮物。 每年能夠免費去旅行, 你你會開心嗎?

投資的最佳建議是盡早開始。 當然,每個人在財務上的處境不同,並不是每個人都準備好開始投資。 例如,擁有信用卡債務的人在投資前應專注於償還債務。但如果你已有一些可以投資的資金,你最好盡快開始。

當你意識到你的生活已經不再受金錢限制時,是一種多麼美妙的感覺! 

實現財務自由, 你的人生, 自己掌控!

 

圖1:

財富管理 Blogger:
Monica   楊梁婉芬    
MBA, MSc, CFP, CPB, CWM

聯繫方式:

+(852) 5628-5626


Children and Smartphones

First, what age do you think it is appropriate for a child to have a smartphone. Pause and think it over for a couple of minute before you continue reading.

What things factored into your decision?  Did you consider any of the following?

  • What age was I when I got my first smartphone?Do they need a smartphone?  Why?
  • What issues will there be if they don’t have one?
  • Are those issues social related or safety related?
  • At what age are they mature enough to have a smartphone and use it appropriately?
  • Are they mature enough to deal with online threats such as cyber-bullying, online predators and so on?

When considering what is the appropriate age for children to have smartphones I think it is important to consider the above question and more. It is important to consider your own use of a smartphone as well.

Did you know that according to Rescue Time the average person spends 3 hours and 15 minutes on their phone a day?  If adults can’t control themselves on smartphones how can we expect young children to control themselves?

Another key factor in determining when kids should get smartphones is the danger they pose.

Here is something that might surprise you. According to most research the average age for exposure to pornography is 11 years old! Guess what the average age is for parents to give kids smartphones? You guessed it 11 years old!

Do you think that is a coincidence? I don’t.  Kids use devices to access pornography. Maybe not intentionally at first but that changes. You can head over to google trends and look for yourself and see that explicit content related searches peak right after school lets out.


I believe there is a strong correlation between what age kids get smart devices and their exposure to explicit content.  I have a friend that gave their two boys smartphones at the age of six. They recently discovered that their two boys (ages 9 and 7) are both already addicted to porn that they accessed it through their phones.

Another threat is sexting. According to Psycom:  

  • 1 in 4 teens get sexually explicit texts or emails.
  • 1 in 7 are using the phones to send explicit texts and emails.

Something very disturbing is that many girls are being targeted through social media accounts and are being manipulated into doing inappropriate things by much older men. It is becoming more and more common as well. Medium.com has a very eye opening article on the issue here, I strongly suggest you take the time to read it.  

Another issue is the lack of down time. People need to be bored but with the advent of smartphones down time or times we are left to our own thoughts is almost zero. Boredom is time to think, to plan, to notice the world around you and to be creative.

Now, after going through all of this, I want to ask you again. What age do you think it is appropriate for parents to give children smartphones?

Has your answer changed? I hope that it has at least made you reconsider. If you don’t believe me that young kids shouldn’t have smartphones maybe you’ll listen to Bill Gates, in an interview for the Mirror he said that none of his children had smartphones before the age of 14 and smartphones came with strict rules and restrictions.

As parents it is our job to protect our children and to also prepare them for their future life. Kids and teenagers should not have unlimited access to the internet and they should not have access to the internet in a private setting.

In our home, our computer is in a common area and positioned so that the screen is visible to everyone.  Our kids are not allowed to access the internet without a parent there with them and they are only allowed to go to predetermined websites. It may sound like a lot of work, but it’s our job to keep them safe. We also discuss with them on a regular basis about what inappropriate content is and what to do if they see any.

My wife and I have decided that our kids won’t have their own phones until they are at least old enough to have a driver’s license and even then we will discuss it at length before they get one.