手上有闲钱了, 怎么办?

[闲哥]

贷款还完了, 每个月都有几千块前的闲钱, 怎么投资呢?


咱没多大野心, 现在这环境, 每年希望个5%的回报, 零风险的, 现实不?

 

[ccc]

5%的回报, 零风险的, 不现实.

私下放贷给我吧，年息２％。

 

[闲哥]

5%的回报, 零风险的, 不现实.

谢谢村长回贴, 这只是我的良好愿望啊, 如果大侠们觉得达不到我也就死心了.

主要想看看大家都是怎么做的.

 

[oureal]

你要是前天能够做空SHLD,昨天做空BVSN,然后今天全COVER,那你就发了,还在乎什么5%，8%，还有隔壁的琢磨着倒腾人民币的...
可惜啊，银行不借给我股票让我做空，BVSN昨天在$43的时候，问TD和RBC都不借给我股票，只能是干瞪眼看着了...
还好，今天收盘前赌了下NFLX的earning ，买了些CALL ,看来明天能收些钱了。

 

[dkwan]

I like HEP in TSX, annualized dividend from covered call around 17-25%.

 

[shemozhuben]

REIT， 长期表现跟一般股票差不多，但每年有5%左右分红,有些有6%，7%，8%分红。 投资REIT差不多等同于rental property,区别是REIT价格会跟股市上下波动，而你个人拥有的rental property不会每天有人在你门前喊你的property现在值多少钱。以及个人rental property有杠杆作用，升值的话利润丰厚，而REIT的杠杆作用已经priced in了。

 

[lazycatcat]

贷款还完了, 每个月都有几千块前的闲钱, 怎么投资呢?


咱没多大野心, 现在这环境, 每年希望个5%的回报, 零风险的, 现实不?

With 30-year T-bill under 3%, it is IMPOSSIBLE to find risk-free investment with 5% return. Period.

So, you have to take risks. The big question is what is your definition of risk.

Let's say we play a fair coin game, you bet on head and I bet on tail. We will play 100 times. Each time you win, you get $1.00. Each time I win, you get $0.80. Would you play such game ?

This example is to explain uncertainty versus risk. Many people think they are equal...If your definition is different, then you will have more choices for your idle money

Money and capital are different. It is no easy task to turn money into capital in a sensible way.

 

[lazycatcat]

With 30-year T-bill under 3%, it is IMPOSSIBLE to find risk-free investment with 5% return. Period.

So, you have to take risks. The big question is what is your definition of risk.

Let's say we play a fair coin game, you bet on head and I bet on tail. We will play 100 times. Each time you win, you get $1.00. Each time I win, you get $0.80. Would you play such game ?

This example is to explain uncertainty versus risk. Many people think they are equal...If your definition is different, then you will have more choices for your idle money

Money and capital are different. It is no easy task to turn money into capital in a sensible way.

A typo, I mean I win $0.80 ...

 

[Kay007]

If you invest for retirement( I mean hold for a long time ), you can buy GIWB, they guaranty 5% whatever happen in the market. It meets 现在这环境, 每年希望个5%的回报, 零风险的.

 

[水果刀]

零风险5%回报在目前应该没有，可以考虑market-linked GIC. 两，三年后如果市场比目前好就有回报，好很多就较高回报，如果市场比今天还差 也就是三年没有利息赚.

 

[挺傻]

消费了最踏实，最开心。

 

[闲哥]

楼上诸位大侠, 面对菜鸟, 能不能用浅显点的语言啊. 什么HEP, TSX, 什么做空, SHELD, 我完全看不懂.

大家的意思是, 要想挣钱, 还得倒腾股票, 否则就只能放银行GIC, 对吗?

 

[ccc]

买的地点好的商业房吧。

 

[mimi_ge]

闲哥，如今这世界risk free的大概只有德国国债了。短期3-6月的利率为负的。长一点的也在1percent左右。

5percent，no risk is mission impossible。

不想太麻烦，到银行买点gic算了。

 

[abacada]

GIC rate is less than inflation. The gain is so negligible.