未來四年的部署

I am having a look at the ratio of active income and passive income and thinking about how I should strategise my portfolio

Active Income

26 Years Old 階段一: $420,000/年 = $35000/月

27 Years Old 階段二: $480,000/年 = $40000/月

28 Years Old 階段三: $540,000/年 = $45000/月

29 Years Old 階段四: $600,000/年 = $50000/月

30 Years Old 階段五: $660,000/年 = $55000/月

Total = 2.7M HKD

Passive Income

27 Years Old 階段一: $120,000/年 = $10000/月 = Roughly 6M @ 0.02 return

28 Years Old 階段二: $180,000/年 = $15000/月 = Roughly 7.2M @ 0.025 return

29 Years Old 階段三: $240,000/年 = $20000/月 = Roughly 8M @ 0.03 return

30 Years Old 階段四: $300,000/年 = $25000/月 = Roughly 8.57M @ 0.035 return

Total = 0.84M HKD

Strategy can be split into two parts

Private Bank

Pros

· High leverage (blue chip stocks)

· Only repay interest and not principal

Cons

· High Commission Fee

· Not suitable for small lot investment 

Retail Bank Account

Pros

· Low Commission Fee (Compared to Private Bank)

· Flexibility (Easy to trade no need to instruct my cousin to do the trade for me)

Cons

· Hard to Leverage

Looking to purchase the following through PB

長江 0001.HK - Stable - Margin Rate 70%

⁃            Dividend 3.17

⁃            52 Week Low - 70.5

⁃            4% Dividend Yield - 79.25

新地 0016.HK - Stable - Margin Rate 70%

⁃            Dividend 4.649

⁃            52 Week Low - 94.8

⁃            4% Dividend Yield - 116.225

長實 1113.HK - Growth - Margin Rate 70%

⁃            Dividend 1.901

⁃            52 Week Low - 50.3

⁃            3.5% Dividend Yield - 54.3

恆基 0012.HK - Stable/Growth - Margin Rate 70%

⁃            Dividend 1.636

⁃            52 Week Low - 4.02

⁃            4% Dividend Yield - 40.9

VTech 303.HK - Aggressive - Margin Rate 50%

⁃            Dividend 5.254

⁃            52 Week Low - 63.1

⁃            8% Dividend Yield - 65.675