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新加坡 | 每个月的薪水，不只是工作报酬！让钱为你工作，实现财务自由！💼💰

大家好，我是你身边的财务管家Jolysse。

你有没有留意到，无论是周一还是周末，新加坡的咖啡店、街头总是熙熙攘攘，人们在喝咖啡、闲逛。但是，大家都不用工作吗？其实，我采访了一些咖啡店的小姐姐们，发现她们都在悄悄地搞被动收入。今天我要和大家聊一聊被动收入，让你的钱为你工作，实现财务自由的梦想！

1、什么是被动收入？

被动收入是指你无需每天工作就能持续获得的收入，比如股息、租金等。它不仅能为你带来额外的收入，还能让你的财务状况更加稳固。

 

2、如何获得被动收入？适合普通人有哪些理财方式呢？

  • 低风险层（3%）：定期存款、国债、储蓄险、货币基金；
  • 中低风险层（4-6%）：债券、债券基金/分红基金；
  • 中高风险层（8-15%）：股票、基金和REITs；
  • 高风险层：期货、期权，其实就是常见的黄金、外汇等。

 

3、被动收入的优势是什么？

  • 节省时间：无需每天工作，让你有更多的时间去做自己喜欢的事情。
  • 资金增值：让你的钱为你工作，实现财务自由，为未来打下坚实的财务基础。

 

4、开始行动吧！ 如果你也想拥有被动收入，不妨从今天开始行动！首先，我们要遵循三个原则：

  • 风险分散：把鸡蛋放在不同的篮子里，降低投资风险；
  • 长期投资：被动收入是一个长期的过程，需要耐心等待；
  • 准备应急资金：保持一定量的备用金，应对紧急情况。

 

5、5000工资如何分配？

  • 花的钱：50%，2500，可以放在有利息的银行；
  • 保命的钱：10%，300/m，重疾险，60/m，住院险；
  • 钱生钱：30%，1500/m，基金、股票；
  • 保本的钱：10%，货币基金、债券、年金。

 

选择适合自己的投资方式，制定合理的财务规划，让你的钱为你工作哦！

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！

 

#海外投资 #美股 #新加坡 #投资 #退休计划

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

A Little about me:

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

I’m an independent financial consult and strive towards helping my clients and their families to accumulate wealth and helping them grow their investment portfolios.

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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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/.

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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
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
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  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 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.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
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  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 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。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

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