Thursday, April 16, 2009

投資理財要開心

禤中怡一直覺得,與其等政府救,不如自救,因為政府只能為大家提供基建設施,最終能否得食,也要靠自己捲起衣袖幹活去。

當然,前路無人可以估到,就如股市曾大瀉,投資失利,人皆有之,且看遠方有股神巴菲特,近的還有那些投資專家,所以並非人人都可必勝的。不過,早前見到醫院管理局話,金融海嘯症候群令不少人感到精神受困擾,對前景焦慮等,還要加開精神診所,相信問題正惡化,故大家實在有必要重新審視自己的投資和理財態度。禤中怡鍾意講股市,講錢,但不代表錢是支配我們一切的東西,相反只是一種提升生活質素的工具而已,不但要從容和正面對待錢來錢去,還要注視世上更寶貴的東西,就像你的家人,才可避免被海嘯捲走。

不要以為只有香港才有這種情況,原來在南韓,有教會組織提供聖經研習班,讓參加者能夠學習如何處理個人財務,即每日如何用錢等管理技能。其實,每月出糧,然後使用自己的金錢,看似簡單不過,但偏偏會有入不敷支,欠債纍纍,甚至投資過度情況出現。

有趣的是,儘管這類研習班建基於信仰,但原來有三分一的參加者,卻並非基督徒!而在一間教會內,每月最少更有多達50人,想尋求「財務自由」!即使在商業區,有教會話,竟然在午膳時間,有超過250名白領人士,無論是賓架,以至兼職工人,都會爭取利用其中的30分鐘時間,往教會唱歌讚美和祈禱,而且人數有上升趨勢。

究竟南韓人的財務狀況有多壞?按照韓國銀行(The Bank of Korea)的資料顯示,直至去年12月底,家庭負債總額高達688.2萬億韓圜(約4萬億港元),在短短一年間上升了9.1%,其中用信用卡購物的負債額更升13.1%,如全國約1,667萬個家庭計,平均每個家庭負債約4,130萬韓圜(約24萬港元),創歷史新高,增幅亦有7.4%。

初看這些平均金額,確實並非屬於一個顯著的數字,但相信不會人人有負債,意味負債總人數較少,再除以整個負債總額,反映每個負債家庭的金額必較平均數目為高。仔細來看,去年第四季的負債額,比07年同期升9.1%,對比去年第三季的10.7%增幅,可見債款增長幅度有放慢,但面對經濟轉差,薪酬肯定會向下調整,還款能力也會被削弱,若果負債續增,同時又失去工作的話,生活定必受影響。

香港人會用信用卡,也會投資,可見大家面對的,是同一個境況,能夠開心地理財,才算是成功之道。禤中怡鼓勵大家,定期檢視自己的財政狀況,知道自己寶貴金錢花在甚麼地方,究竟是卡拉OK抑或是進修呢?當然,娛樂絕對不容忽視,因為這是一個推動努力工作的元素,只要控制得宜,避免入不敷支。此外,就是一向強調的儲彈藥,當最壞情況來臨,也可以有儲備應付,待市況好轉時,才有資源去投資。記著,成功是留給有預備的人的。

(4月16日刊於《am730》)

10 Comments:

At 8:48 PM, Anonymous Anonymous said...

don't you ever got the exchange rate into account?

 
At 11:23 PM, Anonymous Anonymous said...

禤中怡兄可否告知,獅子銀行在美國是否有官司,如敗訴,獅子要賠償多少。

謝謝

 
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