Yep, It's the general mathematical approach to determine if one has enough money to FIRE. Most people probably over estimate their needs, or maybe that just give them an excuse to keep doing what they do until their engine break down big time.
$5 million should be sufficient for me. As I approach retirement, I’ve allocated my funds as follows: Two-thirds in the stock market, mostly in the S&P 500 with a small portion in AI stocks. One-third in no-risk securities like CDs, Money Market accounts, and US gov Bonds to help cushion against market volatility.
But you may die soon from cancer due to food quality, and your money and home may be confiscated by the government. This has happened before. Are you 100 guarantee that it won't happen again?
打工做事其實並不辛苦，最辛苦係對住班on9嘅管理層，下屬做到死浪費私人時間。所以有得改變惟有𢤦得如何有被動收入達到財務自由，有得揀才能把自己的生活改善下來
我用耳機🎧聽，今集阿豬把聲特別有磁性～好療癒
Assumption:自住物業, 每年投資回報 8％，通賬2.5％, 65歲如果持有5球現金,我自己一人應該够啦.
我2018年買左500萬盈富。平均28000點時。。計埋股息六年多都仲回本遙遙無期
Liked before watching 👀
解釋得好清楚, 謝謝介紹了VEU (World index ETF) 呢隻長遠冇得輸全世界整體都是向上. 唔怕買錯一個地方
其實會睇倒呢條片既人, 我唔相信有人係乜都唔買, 剩擺錢係錢行.
大家計來計去，都係計被動收入...，咁唔計個本金，同個自資物業呀？人Z咗，一定要留晒比下一代，或留/捐晒比政府？
最重要又唔知跟住來D醫療費, 幾時Z, 幾千個未知數....
仲知唔好信晒D銀行佬，基金佬，保險佬....講，自己了解多D ＆ 做好 - ‘’自己‘’...
祝： 大家- 身體健康＆ 好運🙏
Thank you Ah Ju, very informative as always!
類似呢個題目嘅片阿豬已經做過，希望阿豬會有多啲題材
Yep, It's the general mathematical approach to determine if one has enough money to FIRE. Most people probably over estimate their needs, or maybe that just give them an excuse to keep doing what they do until their engine break down big time.
全部都有數計，但有好多assumption. 如果現時40歲
投資回報 5％，通賬2.5％
有自住物業。
到65歲，須要$850萬
每月可用$45000. 可以用到85歲
估約現值$22500。
所以HSBC 都差唔多，2公婆 $1700萬左右+自住物業
但真係好 depends 你要過咩生活
財自先係人生開始，唔應該係目標
好多人未財自人生就已經死左。。。
財自要多少錢視乎投資力。如果每年能夠做到通脹+7%左右的話，咁夠15年開支的資產，基本達到財自門檻。
只要有小孩 幾多錢都不會夠
HSBC話要有2090萬以上先可以實現理想退休生活
以家庭計, HKD
財務能否獨立好大程度取决於每年花費。 相反，我今年57，年花80至100萬，請亚猪建議我應該幾多cash on hand才可財務自由獨立？
吾想返工，首先要返工儲錢投資，先苦後甜😂
Excellent
低息年代一厘息時。。我問過幾個專家如何有低風險4%被動收入都無人答到我。。我覺得最少有3000萬4%穩定回報才可財自。。以香港一家4至5口家庭計
想問一問阿豬MSCI WORLD那個美股是什麼CODE?
我這4年投資基金、股票，賺的錢比定期少，唉
我冇意見，已財務自由，香港股票和樓我都是虧！2006來加，買condo收租，而家套現後買高息ETF 過生活.但時代吾同，而家買樓回報很低！我只係生在好的時代，簡單投資就得！
請問師兄幾多歲？要幾錢先叫做可以財務自由😮
2千
千二萬合理呀
Thank you
以前会后生好天真，以为3～4mil就够，睇完阿猪被访问同大部分片后，我已经唔知系几多😂
Depends on how old you are? Diversify is the principle.
800 至 1000 萬
Be the 1st .....😊😊
我61歲，假設你：自住樓供完，咁用傳統4%rule, 約5球就夠。
3～4mil USD 就够😚
我唔貪心, $10M x 5% Interest就夠.
10m USD?
@@Jzz0007 HK$10M都夠啦
我本身預要1000萬, 不過聽完就要再計計先 BTW, HK SCHOOL係唔會教E樣野, 真係死人
你好，想問44歲想買月供股買乜好？
內銀好嗎，不太想買美股
Personal finance 101 😂😂
学到了
thank you 阿豬
3M euro is my FIRE target 😂
1000萬，同有一間供完樓
小目標先夠。。😂
💪💪💪🙏🙏👍👍👍👍
點解好似有睇過
去泰國退休可以預少d,如果50歲退休，我預2個人洗2萬一個月，2000萬應該夠洗
4一5仟萬
2000萬，5%回報就年收入100萬，應夠
十球
USD 4M夠一家四口用
10 Mil HKD
$5 million should be sufficient for me. As I approach retirement, I’ve allocated my funds as follows:
Two-thirds in the stock market, mostly in the S&P 500 with a small portion in AI stocks.
One-third in no-risk securities like CDs, Money Market accounts, and US gov Bonds to help cushion against market volatility.
5mm USD or HKD?
🍁🙏🙏🙏
真係唔係咁計的。
個人我覺得500萬
I need 5 million CAD Net worth with 4% annual return to feel comfortable for retirement
1000萬
5000萬
恕我冒犯 GME將會成為下一個berkshire hathaway
你咁後生3000萬唔夠GA, 3億啦
3億吖，晚上可能有啩❓️👍😜😘
@@simonwong5641如果我冇記錯 佢講嘅係電影對白 門徒
搵多千五我都唔做
30 millions
你返大陸，買咗平樓嘅話 一個人一千蚊人仔一個月生活費 當你七十年命 八十四萬人仔就可以躺平 單身人士
But you may die soon from cancer due to food quality, and your money and home may be confiscated by the government. This has happened before. Are you 100 guarantee that it won't happen again?
1 million USD will be enough for me to be FIRE. I am not from HK, the cost of living is not that high but the salary is pretty low too 🥲