


2023年11月更新，+14,456(換回台幣價格)，紀錄投資歷程。

投資體悟: 第二個帳戶提到一次性的投入美股ETF使用複委託方式。

這邊信貸一百萬(利率2.04%)，到期總還款107.4萬。

在2023.09的時候使用富邦買入台股的台灣大和複委託買入美股的QQQM，各一半。後續股利再

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               border-radius: 8px;                padding: 16px;                font-size: 16px;                color: #535150;                line-height: 180%;                text-align: left;              }              .lexical__textBold {                font-weight: bold;              }              .lexical__textItalic {                font-style: italic;              }              .lexical__textUnderline {                text-decoration: underline;              }              .lexical__textStrikethrough {                text-decoration: line-through;              }              .lexical__textUnderlineStrikethrough {                text-decoration: underline line-through;              }              .lexical__textSubscript {                font-size: 0.8em;                vertical-align: sub;              }              .lexical__textSuperscript {                font-size: 0.8em;                vertical-align: super;              }              .lexical__textCode {                background-color: rgb(240, 242, 245);                padding: 1px 0.25rem;                font-family: Menlo, Consolas, Monaco, monospace;                font-size: 94%;              }            </style></head><body><div class="article-container"><p class="graf--p"><br></p><hr><blockquote class="graf--blockquote" dir="ltr"><span style="white-space: pre-wrap;">2025年08月更新+282,591NT，在2024年3月有把部分QQQM換成VTI，投資在保守一點，但~~如果沒換的話會賺更多呀!，紀錄一下</span></blockquote><div class="graf--img center"><div class="lexical__imageWrapper"><img src="https://images.vocus.cc/b01e6f35-c98d-400d-aece-77926aca509e.png" data-src="https://resize-image.vocus.cc/resize?compression=6&norotation=true&url=https%3A%2F%2Fimages.vocus.cc%2Fb01e6f35-c98d-400d-aece-77926aca509e.png&width=740&sign=IilAaykElQrFNcR9reCm8Kn2Up-T2cQG0dTUR2CVPgM" class="lazy" data-loaded="false" data-original-src="https://images.vocus.cc/b01e6f35-c98d-400d-aece-77926aca509e.png" data-lowquality="false" data-width="1499" data-height="157" data-retry="0" onerror="Number(this.dataset.retry) > 4 ? this.src='/static/default-error-img.svg': (() => {this.src=this.dataset.originalSrc; this.dataset.retry = Number(this.dataset.retry)+1;})()" data-istopthreeimage="false" alt="raw-image"></div><div></div></div><hr><blockquote class="graf--blockquote" dir="ltr"><span style="white-space: pre-wrap;">2023年11月更新，+14,456(換回台幣價格)，紀錄投資歷程。</span></blockquote><p class="graf--p" dir="ltr"><a target="_blank" href="https://vocus.cc/article/64b40dc8fd89780001510338" class="graf--mention article-icon">投資體悟</a><span style="white-space: pre-wrap;">: 第二個帳戶提到一次性的投入美股ETF使用複委託方式。</span></p><p class="graf--p" dir="ltr"><span style="white-space: pre-wrap;">這邊信貸一百萬，到期總還款107.4萬。</span></p><div class="graf--img center"><div class="lexical__imageWrapper"><img src="https://images.vocus.cc/defb4d43-f51a-4d6b-8d28-62849540b70f.png" data-src="https://resize-image.vocus.cc/resize?compression=6&norotation=true&url=https%3A%2F%2Fimages.vocus.cc%2Fdefb4d43-f51a-4d6b-8d28-62849540b70f.png&width=460&sign=K1ljNRM5xbwIWdk1Zp8BdvNpwYGYQgEUW8Phtgy-OXI" class="lazy" data-loaded="false" data-original-src="https://images.vocus.cc/defb4d43-f51a-4d6b-8d28-62849540b70f.png" data-lowquality="false" data-width="460" data-height="217" data-retry="0" onerror="Number(this.dataset.retry) > 4 ? this.src='/static/default-error-img.svg': (() => {this.src=this.dataset.originalSrc; this.dataset.retry = Number(this.dataset.retry)+1;})()" data-istopthreeimage="false" alt="信貸"></div><div class="captionTheme__wrapper"><p class="captionTheme__paragraph">信貸</p></div></div><p class="graf--p" dir="ltr"><span style="white-space: pre-wrap;">在2023.09的時候使用富邦買入台股的台灣大和複委託買入美股的QQQM，各一半。後續股利再視情況投入。換匯平均32左右陸陸續續地投入QQQM均價152。台灣大均價93.87。</span></p><p class="graf--p" dir="ltr"><span style="white-space: pre-wrap;">2023.10.26 美股QQQM一度跌到141.26，整個不知道該說什麼，還是靠著信念覺得未來十幾二十年應該還是科技股的天下，尤其QQQM是買整個美國科技產業的ETF。就不管她繼續放著，也沒動用其他資金繼續加碼。因為這帳戶一部分想驗證一次性的投入是否效益最大，另外使用信貸投資股票是否划算。</span></p><p class="graf--p" dir="ltr"><span style="white-space: pre-wrap;">沒想到2023.11 QQQM又回到150附近，美股的漲跌幅真的是很大。原因可能是美國FED</span><u><span class="lexical__textUnderline" style="white-space: pre-wrap;">停止升息</span></u><span style="white-space: pre-wrap;">。希望每年至少復利5%，不要讓我做白工阿!</span></p><div style="max-width:100%"><img style="max-width:100%;margin:0px auto 12px auto;display:block;" src="https://images.vocus.cc/47bc0303-b2d7-42e9-b4ff-8b7cf23438d3.jpg"><img style="max-width:100%;margin:0px auto 12px auto;display:block;" src="https://images.vocus.cc/b4c05cc8-b681-4700-b69b-f7e0d42ecf9d.png"><img style="max-width:100%;margin:0px auto 12px auto;display:block;" src="https://images.vocus.cc/d509458f-f4a8-4744-a513-f708a46472ba.png"><img style="max-width:100%;margin:0px auto 12px auto;display:block;" src="https://images.vocus.cc/aa1ddbfe-f945-4afe-bb3f-2b070aa6f1d6.png"><div style="text-align:center;color:#A29C9B;marign-top:12px;">美股台股</div></div><p class="graf--p" dir="ltr"><br></p><p class="graf--p" dir="ltr"><br></p><p class="graf--p" dir="ltr"><br></p><p class="graf--p" dir="ltr"><br></p><p class="graf--p" dir="ltr"><br></p></div></body></html>

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信貸投入-台/美(QQQM)

<p class="lexical__paragraph"><br></p><hr><blockquote class="lexical__quote" dir="ltr"><span style="white-space: pre-wrap;">2025年08月更新+282,591NT，在2024年3月有把部分QQQM換成VTI，投資在保守一點，但~~如果沒換的話會賺更多呀!，紀錄一下</span></blockquote><div class="lexical__image center"><div class="lexical__imageWrapper"><img src="https://resize-image.vocus.cc/resize?compression=6&amp;norotation=true&amp;url=https%3A%2F%2Fimages.vocus.cc%2Fb01e6f35-c98d-400d-aece-77926aca509e.png&amp;width=740&amp;sign=IilAaykElQrFNcR9reCm8Kn2Up-T2cQG0dTUR2CVPgM" fetchpriority="high" data-src="https://resize-image.vocus.cc/resize?compression=6&amp;norotation=true&amp;url=https%3A%2F%2Fimages.vocus.cc%2Fb01e6f35-c98d-400d-aece-77926aca509e.png&amp;width=740&amp;sign=IilAaykElQrFNcR9reCm8Kn2Up-T2cQG0dTUR2CVPgM" data-loaded="true" data-original-src="https://images.vocus.cc/b01e6f35-c98d-400d-aece-77926aca509e.png" data-lowquality="false" data-width="1499" data-height="157" data-retry="0" onerror="Number(this.dataset.retry) > 4 ? this.src='/static/default-error-img.svg': (() => {this.src=this.dataset.originalSrc; this.dataset.retry = Number(this.dataset.retry)+1;})()" data-istopthreeimage="true" alt="raw-image"></div><div></div></div><hr><blockquote class="lexical__quote" dir="ltr"><span style="white-space: pre-wrap;">2023年11月更新，+14,456(換回台幣價格)，紀錄投資歷程。</span></blockquote><p class="lexical__paragraph" dir="ltr"><a target="_blank" href="https://vocus.cc/article/64b40dc8fd89780001510338" class="lexical__mention article-icon">投資體悟</a><span style="white-space: pre-wrap;">: 第二個帳戶提到一次性的投入美股ETF使用複委託方式。</span></p><p class="lexical__paragraph" dir="ltr"><div class="ad-placeholder" style="min-height: 124px;"></div><span style="white-space: pre-wrap;">這邊信貸一百萬，到期總還款107.4萬。</span></p><div class="lexical__image center"><div class="lexical__imageWrapper"><img src="https://resize-image.vocus.cc/resize?compression=6&amp;norotation=true&amp;url=https%3A%2F%2Fimages.vocus.cc%2Fdefb4d43-f51a-4d6b-8d28-62849540b70f.png&amp;width=460&amp;sign=K1ljNRM5xbwIWdk1Zp8BdvNpwYGYQgEUW8Phtgy-OXI" fetchpriority="high" data-src="https://resize-image.vocus.cc/resize?compression=6&amp;norotation=true&amp;url=https%3A%2F%2Fimages.vocus.cc%2Fdefb4d43-f51a-4d6b-8d28-62849540b70f.png&amp;width=460&amp;sign=K1ljNRM5xbwIWdk1Zp8BdvNpwYGYQgEUW8Phtgy-OXI" data-loaded="true" data-original-src="https://images.vocus.cc/defb4d43-f51a-4d6b-8d28-62849540b70f.png" data-lowquality="false" data-width="460" data-height="217" data-retry="0" onerror="Number(this.dataset.retry) > 4 ? this.src='/static/default-error-img.svg': (() => {this.src=this.dataset.originalSrc; this.dataset.retry = Number(this.dataset.retry)+1;})()" data-istopthreeimage="true" alt="信貸"></div><div class="captionTheme__wrapper"><p class="captionTheme__paragraph">信貸</p></div></div><p class="lexical__paragraph" dir="ltr"><span style="white-space: pre-wrap;">在2023.09的時候使用富邦買入台股的台灣大和複委託買入美股的QQQM，各一半。後續股利再視情況投入。換匯平均32左右陸陸續續地投入QQQM均價152。台灣大均價93.87。</span></p><p class="lexical__paragraph" dir="ltr"><span style="white-space: pre-wrap;">2023.10.26 美股QQQM一度跌到141.26，整個不知道該說什麼，還是靠著信念覺得未來十幾二十年應該還是科技股的天下，尤其QQQM是買整個美國科技產業的ETF。就不管她繼續放著，也沒動用其他資金繼續加碼。因為這帳戶一部分想驗證一次性的投入是否效益最大，另外使用信貸投資股票是否划算。</span></p><p class="lexical__paragraph" dir="ltr"><span style="white-space: pre-wrap;">沒想到2023.11 QQQM又回到150附近，美股的漲跌幅真的是很大。原因可能是美國FED</span><u><span class="lexical__textUnderline" style="white-space: pre-wrap;">停止升息</span></u><span style="white-space: pre-wrap;">。希望每年至少復利5%，不要讓我做白工阿!</span></p><div class="carousel-prerender" style="min-height:1247.9061685490876px" data-images="[{&quot;file&quot;:{},&quot;index&quot;:0,&quot;_id&quot;:&quot;6545d9a1fd89780001c30ba0&quot;,&quot;relPath&quot;:&quot;47bc0303-b2d7-42e9-b4ff-8b7cf23438d3.jpg&quot;,&quot;width&quot;:1170,&quot;height&quot;:1446,&quot;createdAt&quot;:&quot;2023-11-04T13:41:53.397940112+08:00&quot;,&quot;updatedAt&quot;:&quot;2023-11-04T13:41:53.397940193+08:00&quot;},{&quot;file&quot;:{},&quot;index&quot;:1,&quot;_id&quot;:&quot;6545d9aafd89780001c30bf4&quot;,&quot;relPath&quot;:&quot;b4c05cc8-b681-4700-b69b-f7e0d42ecf9d.png&quot;,&quot;width&quot;:1151,&quot;height&quot;:1941,&quot;createdAt&quot;:&quot;2023-11-04T13:42:02.550134172+08:00&quot;,&quot;updatedAt&quot;:&quot;2023-11-04T13:42:02.550134246+08:00&quot;},{&quot;file&quot;:{},&quot;index&quot;:2,&quot;_id&quot;:&quot;6545ddd8fd89780001c33cc0&quot;,&quot;relPath&quot;:&quot;d509458f-f4a8-4744-a513-f708a46472ba.png&quot;,&quot;width&quot;:1374,&quot;height&quot;:318,&quot;createdAt&quot;:&quot;2023-11-04T13:59:52.153272011+08:00&quot;,&quot;updatedAt&quot;:&quot;2023-11-04T13:59:52.153272093+08:00&quot;},{&quot;file&quot;:{},&quot;index&quot;:3,&quot;_id&quot;:&quot;6545de3afd89780001c33fef&quot;,&quot;relPath&quot;:&quot;aa1ddbfe-f945-4afe-bb3f-2b070aa6f1d6.png&quot;,&quot;width&quot;:467,&quot;height&quot;:352,&quot;createdAt&quot;:&quot;2023-11-04T14:01:30.266886204+08:00&quot;,&quot;updatedAt&quot;:&quot;2023-11-04T14:01:30.266886277+08:00&quot;}]" data-caption="美股台股" data-captionurl=""></div><p class="lexical__paragraph" dir="ltr"><br></p><p class="lexical__paragraph" dir="ltr"><br></p><p class="lexical__paragraph" dir="ltr"><br></p><p class="lexical__paragraph" dir="ltr"><br></p><p class="lexical__paragraph" dir="ltr"><br></p>