來談談財務自由的關鍵~被動收入~

對於上班族來說,最近有4個字很火紅,那就是「財務自由」,所謂財務自由指的是你的被動收入足以支付日常生活開銷,如果達到這種狀態就表示你可以不用再靠上班的收入就能過活,這個時候你就可以選擇繼續工作(如果你喜歡現在的工作),或者是辭職去做你真正喜歡的工作,也就是可以不用再為五斗米折腰。

所以說要達到財務自由的關鍵因素就是被動收入,按照維基百科的定義,被動收入指的是「你沒有重大參與貿易或商業活動」所獲得的收入。一般而言,主動收入是指勞動收入,被動收入則是不需投入太多勞動及時間就能獲得的收入,不過創建收入來源通常需要許多資金或時間,阿吉個人是把它定義為「不用在工作現場付出勞動而能獲得的收入」。財經旅遊作家蕾咪曾經舉了一個很貼切的例子,就是在一個沒有水源的村莊裡有甲乙兩人,平常白天會固定去河流提2桶水回來賣錢,但兩人因為都想賺更多的錢,所以甲利用晚上再去提2桶水回來賣,而乙則是花許多時間打造水管,短時間來看,甲的收入增加的比乙快,但幾年過去之後,乙的水管總算打造完成,連接到村莊的水管創造出更多的收入,而甲則因為長年日夜辛苦工作,健康出了問題之後無法再去作提水桶的工作,所以最後失業了(好悲慘的人物設定)。

阿吉最早接觸到「被動收入」這個概念是在羅伯特.清崎的暢銷書「富爸爸,窮爸爸」提到的現金流,不過阿吉看完雖然覺得書中講的很有道理,只是當時剛進入社會, 加上陸續面臨結婚、購屋、養育小孩等人生各個重要階段 ,並未累積太多資產;光陰似箭、歲月如梭,轉眼之間10多年過去了,隨著工作收入越來越穩定、房貸也清償的差不多時,才開始著手打造屬於自己的被動收入計畫,雖然為時已有點晚,但有開始總比沒開始要來得好。

被動收入的種類非常多,歸納起來大致可分為以下三類,而阿吉也都有這三類的被動收入,所以在此簡單敘述:

一、利息股息

銀行的利息所得與股票的股利股息應該是所有被動收入之中,最簡單的管道。不過現在銀行的利率非常低,所以不如將資金改投入股票市場,購買像中華電、兆豐金這些高股息的個股,或者直接購買高股息的ETF,像阿吉就是採定期定股方式購入0056。雖然這個被動收入的門檻進入容易,不過股息所得並不高,大約只有5%左右,也就是說如果要每月有1萬的股息被動收入,必須投入240萬才能達到。

二、智彗財產

智彗財產的收入非常多元,喜歡攝影者可以在網路上出售自己的攝影作品;對某個領域很有研究者可以出版書籍賺取版稅,像阿吉非常喜歡前往日本自助旅行,也曾經出版「日本中部深度之旅」,目前二版販售中。另外經營自媒體也是個相對容易進入的管道,只是從開始著手到賺到被動收入需要投入非常多的時間,就像打造水管的過程一樣非常漫長又辛苦,所以有人認為這應該算是半被動收入,也有人認為這根本就不算被動收入。

阿吉以日本自助旅行為主題經營「岡山憨吉的日本遊記」部落格多年,在2019年的日均流量約3000~5000,也吊車尾進入痞客邦百大部落客,總算有看到點成果,不過目前因為新冠肺炎疫情導致人氣慘不忍睹。而部落格經營有成後會帶來的收入約有:廣告、聯盟行銷、出書、受邀寫文(業配)以及演講活動等這5種。

三、租賃所得

租賃所得就是房屋出租所獲得的收入,雖然大家都想要過著包租公或包租婆的生活,只是因為不動產價格較高,沒有一點本錢還很難投資不動產。再者,目前大台北地區房價高居不下,如果這個時間點想要買房收租,投資報酬率反倒不如股息收入;比較可行的方式是像阿吉的大學同學,購入20多年舊公寓再將它重新規劃為幾間全新雅房及套房再出租,不過初期也要投入大量的裝潢費用及時間。至於當二房東收租的方式,因為獲利有限又有風險,阿吉個人並不想嘗試,而REITS不動產投資信託基金,阿吉則是把它歸類為股息收入。

以上就是阿吉對這三類被動收入的簡單分享與心得, 如果各類要詳細說明可能需要另要寫好幾篇文章,就留待下回再分享了。

“來談談財務自由的關鍵~被動收入~” 有 35 則留言.

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