【語重心長】投資新手或者唔想再做傻散嘅入一入嚟（8）

https://ficalc.app/

呢個網勁多 withdrawal method 玩

尤其係你想退休嘅話，yes，即使全倉股票都仲有好多方法去分散

https://youtu.be/eIUgjib_fm4?si=3FHzV9xWlSRrHIVB

https://www.threads.com/@jovianjulia_commonsense_invest/post/DJyB79hzGNL?xmt=AQF08wSjx-sdGuI8SXhOweA-XEOesOEX5vvCIbEqO2LMaQ

應該將VOO股息買VT/債去被動rebalance

原本最好嘅做法已經係股息再投入(DRIP)買返隻股票本身，rebalance應該係每年/季/月按自己需要而主動做嘅
VOO派1厘息都唔知要派到幾時先砌到你要嘅portfolio ratio
睇你本身asset saving rate ratio幾多，本金唔算好大又儲得多又唔急嘅話應該一年內就砌到個10% bond 嘅portfolio
唔計US small cap你要將stock由VOO變VT你要砌到接近60%VOO 40%VXUS，同上