[Wealth Management] 2020 Portfolio Cash Dividend Overview

July is the arrival of the ex-dividend season again. It’s time to take stock of this year’s dividend income. Without calculating the dividend, the total cash dividend that can be received this year is NTD$ 2143, and two different individual stocks are deducted, deducting 20 For the handling fee of RMB, you can receive NTD$2123 in total.

We're still a long way from the day when passive income pays for all living expenses.

But these two years are actually the moonlight family, and there is no extra money to invest, but this year it can increase 177 yuan compared with previous years, because last year's Mitac share placement of 1.5 was added to this year's dividend distribution, so this year, you can get more. Almost three cups of bubble tea.

Taking the current fixed deposit interest of less than 1% in the current bank, if you don’t have a vision for soaring stocks, if you choose this kind of stocks with stable allotment and dividends, the conversion will also have 5% interest, which is very suitable for petty bourgeoisie.

Although the current job is considered stable, but the salary is deducted from the monthly fixed expenses and pocket money, it is a veritable moonlight family, there is not much idle funds to buy stocks, and the sporadic stocks in hand are also because there is no other The target or more funds are used, so hold the mentality of receiving dividends and continue to put them aside.

Moreover, for petty bourgeois couples with a tax rate of 5%, they can get tax refunds after receiving dividends, which is also a small blessing.

Future Outlook:

1. Rakuten International Commercial Bank, a joint venture between Guobaojin and Rakuten, has also obtained a pure online banking license approved by the Financial Regulatory Commission. At present, it is not sure what special impact and invoices it will have on the business of Guobaojin, but I think this will affect consumers. It is also good news.

At present, the transfer and payment are basically done through online banking. If there are multiple online banking openings, it will be more convenient in life in the future. I also hope that the stock price of the national ticket gold will rise again.

--> This is a topic that started last year, but to be honest, there is no serious follow news, and pure online banking is not optimistic in Taiwan, although the advantages of Rakuten credit card are obvious, it is also called by netizens as the magic card for online shopping , but the actual effect of online banking or national bills gold needs to be carefully observed.

2. The short-term small goal of financial management is to save ten national bills in three years. Because as I said before, I am a moonlight family, so this number is still a bit difficult for me, but as long as there is a goal, there will be a way to go.

--> This goal is also the same and can be achieved this year, because the six-year savings insurance is about to expire in October, and instead of receiving 10,000 interest per year in the future, I will choose to terminate the contract and redistribute the money, except for the emergency reserve. In addition, most of the money will be put in the stock market to buy assets with at least 5% interest to create passive income.

Epilogue

Financial management has been in use over the years, and I cannot say that I have achieved good results, but there has been steady progress, the allocation of budgets from individuals to families, and the gradual planning of children's education and retirement. Financial management is to make If you have more money in life, you can make money through investment, build your own assets and passive income, and then you can enjoy life and life more.