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    Lily@Melbourne, Australia

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理财

每次看当地报纸上登载的理财秘籍,我忍不住地就会笑出声。可能自己深受上海市井斤斤计较的言传身教,澳人所谓的省钱妙招,在我们上海土著看来非常非常小儿科。譬如不要到店里买咖啡,投资台胶囊机在家里也能有一样的好口福;譬如带午饭去上班,出去吃浪费时间和金钱;譬如不要空着肚子去超市,选购商品时不要注意力把集中在与视线相平行的货架上…………

不过这本书倒是让我大开眼界。在我们勤俭节约的中国人慢慢开始接受信用卡时(猜想大家都听说过中外两老太太在天堂交流买房经验的故事吧),这位土生土长的澳洲人却要求大家珍惜生命,远离贷款,并引用了 Warren Buffet的名句来再三强调。

Stay away from debt. If you’re smart, you don’t need it. If you’re dumb you got no business using it.

我喜欢作者的另一个原因是他的见义勇为,前不久他在报刊专栏上说自己拉上一个掉进类似传销沼泽里单身母亲。不像有些理财专家,总是言语的巨人,行动的矮子。

这本理财书很畅销,在图书馆大概于第二时间排了队,拿到的号码是78。

读后受益良多,不过有些似乎和中国特色相违背。譬如他说相比炒股,房子要在同一时期翻2倍几乎不太可能,而上海的房子在最近十几年都涨了数倍。再譬如他说炒股票要做长线,而在帮朋友的朋友的朋友(我可没有富朋友)翻译Business Plan时,财富积累几乎是一夜间,其中短期炒股功不可没,两三天就能盈利40多万。

 

以下是对理财书的总结,面向的是在澳洲定居的:

三只财富桶

三只财富桶

The Blow Bucket (100% of your take home pay)

2 * everyday transaction accounts – call them ‘Daily Expenses’ 60% and ‘Splurge’ 10% (short-term enjoyment, e.g. meal) and get an ATM card for each (ING Orange Everyday Debit Card, 特地去比较网对比了其他的银行卡,虽然不是独此一家免收手续费但它给的利息确实是最高的)

Daily Expense

  • Home loan: 30%
  • Utilities (power, gas, water, broadband, phones): 5-10%
  • Insurance: 5%
  • Food: 5-10%

2* online savings accounts – call them ‘Smile’10% (long-term enjoyment, e.g. trip)  and ‘Fire Extinguisher’ 20% and link them both to ‘Daily Expenses’ (ING Savings Maximisers)

Insurance

  • Go to privatehealth.gov.au to compare policies
  • Hospital-only cover, not purchase extras or combined, stay away from iSelect
  • Top level cover
  • A $500 excess(如遭遇理赔时,你得自己担负500刀,剩下的才有保险公司负担)
  • To make a co-payment for each day you spend in hospital because it’ll reduce your premium

The Mojo Bucket

1* online savings account with a different institution – call it ‘Mojo’.  Set it up with an initial $2000 deposit.

GOAL

  • Boost to three months of living expenses in case of an emergency.  The Blow Bucket*3 from your Fire Extinguisher Account.

 

The Grow Bucket  (Super + Investments)

Super

  • Go gov.au/superseeker, and put in your name, address and tax file number,to search for lost and unclaimed super
  • When you choose new low-cost super fund, ask them to do it for you. (作者推荐的Hostplus Indexed Balanced Fund,0.02%/Year + $78.50 admin fee 比我的管理费更低,收益率更高)
  • Boost super to 15 percent of your gross wage as ‘salary sacrifice’ after pay off mortgage

SMSF Lite

Buy shares when you’ve got the money. Sell your shares when you need the money.

  • Contact your existing super fund and ask them if they have a direct investment option. If they do, get them to send out their charges and terms and conditions.
  • Search industry funds. Look out for three things: fee, insurance options and investment features. Normally, they’ll start at around $180 a year.
  • Hostplus provides ‘ChoicePlus’, need a minimum of $10000 to start, and at least $2000 must be kept in one of Hostplus’s other investment options. It costs $180 a year.
  • Barefoot Blueprint newsletter for which shares should buy.

Share & Bond

  • To invest outside of super, contact your bank. They’ll have a share trading service or they’ll refer you to one. You will need $2000 to start.
  • To choose one, the same rules you used for choosing a super fund apply: you want to invest in shares and the lower the fees you can pay the better. Be away from Australian Scholarships Group Bound
  • There are a number of investment bond providers – Like Lifeplan’s NextGen Investments, Austock Life’s Imputation Bonds and AMP’s Growth Bonds.

Buy property

Retirement

GOAL

  • $250,000 in super
  • Own a home
  • Age pension
  • Continue part-time work

STEP

  • Go ASIC MoneySmart Retirement Calculator, calculate how much income you’ll likely have in retirement.  The extra repayments you can now make from your Fire Extinguisher.
  • At that time, Mojo Bucket sits insider Grow Bucket. It will go to three years of living expenses.  Call super fund and tell them that you want anything your contribute in the tree years before you retire, put into a cash account within super

Financial Advisor

只抄录我关心的,譬如并不需要会计,每年报税都是自己来地。

  • Call Centrelink on 132 300 and arrange a face-to face meeting with Financial Information Service Officer. They help you sort out your Centrelink entitlements and give you unbiased general retirement planning advice. Aged care options are provided. Free
  • Call your super fund, they’ll have financial advisors who can help you plan your retirement + recommend insurance and a risk assessment. Hourly fee
  • Buy some shares, join Barefoot Blueprint investment newsletter.
  • Need a home loan, first home check out online player like UBank and ING.

 

准备买作者提到的枕头,因为想法和他的差不多,最能带给自己身心愉悦的事物才值得花大价钱。皮包,华服,豪车等奢侈品固然有吸引力,但都比不及早饭要吃的像国王,这篇blog写于十年前,我的眼界果然遥遥领先。

当然也不会生搬硬套。譬如本人克制力颇强,才不会撕掉所有的信用卡来斩断信贷危机的根源。AMEX还是要保留下来地,数不尽地优惠啊。还有,两个享乐账号我会合二为一方便管理,这也是骄傲于自己的自控力吧。我的意志力可不像心理学家所描述的如肌肉般需要一张一弛,只要决定好的事不太会半途而废。最后,作者也象所有西方人一样,如有余力总喜欢做点善事。我明白予人玫瑰手留余香的寓意,但心眼小无法大爱无疆到亚非拉难民或是动物福利,不过愿意分享经验给打算留学移民澳洲的后来人,写email给我吧。。。

多年前别人夸奖我勤奋时,心里还颇不好受,因为在我的字典里勤奋等于笨鸟必须得先飞。很有意思的是,这本书在结尾处也有一段讲Be dumb smart,看来长相憨实的作者也曾有过不愉快的经历吧。

比起衣冠楚楚的金领,作者很接地气

比起衣冠楚楚的金领,作者很接地气

最后,我也分享一个不传秘籍,就是书不用买,去图书馆借~~~~~~~~

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