新加坡 | 全球人都可以做的被动收入!3种方式,让我们多搞钱~

今天又是大家最喜欢的搞钱内容!

 

当初我从深圳大国企裸辞来到新加坡,做自雇人士。

最大底气来自于我的被动收入。

 

大部分人其实只有一种收入:工资,上一天班就拿一天工资,不上班就就吃存款。生病了请病假还可能还要扣工资。

 

像是我之前待的公司,福利算是很好的:有病假有年假,一天三餐都吃公司。但是花红都靠公司经营情况,并且这样子舒服的工作环境很容易让人成为一颗螺丝钉。当危机来临的时候,没有用的螺丝钉就会拔掉。

 

真正改变焦虑感的、改变财富状态的,只有被动收入。被动收入比例越高,我们就越自由。跟你现在有多少钱没有关系,而是跟你现在的现金流结构息息相关。

 

打个比方,比如你有500K在手上,你一样也会有焦虑感的。真的如果没有工作,只花存款的话

如果每个月花3000,这笔钱也只能用13年

如果每个月花5000,这笔钱也只能用8年

 

如果说你想要回农村种田,每个月省省花就好。但是见过大海的鱼,真的甘心在鱼缸里面生活吗?

 

今天就分享三个从容易到难的,非常适合普通人增加被动收入的方法。适合所有人包括新手小白,那就是理财。

用钱生钱。可能很多人觉得难啊。

 

我讲一个非常简单的方法:定投。在新加坡三种平台都有。

1、每个月从工资里面抽出10%-20%,比如月薪5000新,准备好500-1000的预算。

2、选择定投未来

不要感觉什么好,就买什么,而是一定要投有未来的行业或者指数。

3、等

咱们给他的时间,最起码要3-10年,刚开始的时候不要去看它

等就可以了

 

这个方法,不可能让你暴富的,但是慢慢变富可以。

能让我们感受到被动收入的乐趣

 

第二个:就是成为包租婆、包租公

2023年以来,各地出现了很多旅游相关的房产投资项目。比如说云顶半山的公寓、民丹岛的民宿、新加坡圣淘沙的酒店公寓

有钱的人就非常喜欢投资房产项目,安心收租。

 

但是建议,刚需没有解决的小伙伴,还是先把自己的家给解决了。

因为这些项目大部分主打的都是租金收入,而不是价差。

所以买入后,需要计算的是房贷和租金的比例,运维成本多少,要多久才能回本。

如果做民宿的话,一天租金设置多少,在这个地区的民宿入住率有多高,每个月需要有多少天的入住,才能覆盖房贷,需要自己去做营销来提升入住率吗?

 

如果没有那么多精力的话,那么reits更适合你。

新加坡上市的reits有6个,分别包含了数据中心、商业地产、酒店度假村、工业区、物流中心。

如果你看好酒店度假村,直接买reits,享受每个月分红就好了。

 

第三个方法:购买企业股权,成为合伙人、老板

关键在于我们对身边的人有没有了解,去发现身边的好项目

比如说,我先生他经常会去一个理发店理发,只找那个理发师Tony,其他的都不找。有一天Tony跟他讲,想要扩张店铺,但是资金还不够,找到的地方还没有拿下来。

其实这就是我们增加被动收入的机会。

在考察了他是不是真的非常会理发,是不是有固定的客户资源,扩张后是不是能够有盈利,我们就可以和他商量合伙的事情。

 

但是这样子的机会,不是经常有,而且难度也比较高。

简单点的办法,就是投资股票。

找到便宜的好公司,然后耐心持有。

 

这也是巴菲特一辈子不用管理什么大公司。还能有那么多的财富的原因。

 

最后还想给大家推荐一本书:富爸爸穷爸爸

非常适合我们每个人去养成富人思维

 

努力和自己说要变成富人,相信最后也不会穷到那里去。

 

所以和我一起来存钱吧

一直存钱一直爽

我是jolysse

陪你一起慢慢变富

 

#新加坡留学 #新加坡教育 #新加坡永久居民 #新加坡公民  #基金定投 #海外资产配置

你的宝库管家

Jolysse邬宇思

微信:Yusi_Wo / WhatsApp:90088276

新加坡全牌照理财顾问

Representing Financial Alliance Pte Ltd

Singapore Largest Independent Financial Adviser

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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JolysseWu 邬宇思

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Hi, I’m Jolysse. Thank you for visiting my website and I’m looking forward to getting to know you personally.

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您好。我是宇思,您也可以叫我Jolysse。

我是一名具有8年财富管理经验的独立理财顾问,金融学&管理学双学士,先后服务过近千个私募客户,个人美股及衍生品投资最高年化收益率达366%。在信息爆炸的时代,为您用中立、专业、挑剔的眼光去选择最合适您的理财方案!

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照,并许可在新加坡共和国境内依据财务顾问法(第110章)和证券与期货交易法(第289章)进行财务咨询等相关业务
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  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
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  • 鑫盟理财无意在分发,出版或使用此类文件可能违反当地法律,或本公司及关联公司或关联人士需要注册,获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》,鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料(例如姓名,证件号码,联系电话,邮寄地址,电邮地址和照片)。 该政策可在本公司网站上查寻,网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格,即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策