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40ー50代世帯の資産額
- #1
-
- moneyplan
- 2013/10/17 13:11
ロサンゼルス在住の40ー50代世帯の資産額(貯蓄額、不動産など)は大体どの位が一般的なのでしょうか。
当方、40代半ばのしがないサラリーマン世帯でなかなか思うように資産形成が出来ておりません。現在の資産は、持ち家(評価額85万ドル程度-ローンあり)、銀行、ミューチュアルファンドなど合わせて15万ドル程です。子供(二人)の教育費なども近い将来本格的な支出が始まってきます。上の子が高校生になりいよいよという感じです。このままでは一人分の学費さえも全く補えない状況です。学費だけでなく将来の諸々の支出に備え、40代の今、何とかもう少し蓄えていきたいと考えておりますが…。
皆様の現状やマネープランなどお聞かせいただき、参考にさせて下さい。
- #77
-
資産とは動産の事だと思います
。。。自分に金利 配当 優待券。。。
等お金が入りいつでもキャッシュに変えられるもの
自分の住んでいる家は資産ではありません。
車と同じで維持費 税金が出て行きます。
借家は別
バブルの頃資産として購入した湯沢等のリゾートマンシオン 今10万年以下でも売れません
オークシオンで2万円でも入札はありません
年に50万円 維持管理 税金 修繕費が出て行きます。
自己名義である限り子供の代まで払う事になります。
これは資産ではなく。。負債です
いまは売り逃げも出来ません。
いつでもどこでもキャッシュに変えられる動産のみを
資産として計算したほうが良いと思います。
- #78
-
- MasaFeb
- 2013/12/20 (Fri) 12:41
- Report
資産の定義が無茶苦茶すぎるわー。このスレ、スルーしてきたけど、さすがにこれはダメだと思う(笑)
- #79
-
本当の資産家による。。資産の定義
資産。。自分のポケットにお金をいれてくれるもの
負債。。自分のポケットからお金を持ち出すもの
だそうです。
不動産。。 昔、自分で住んでいる家が資産。。と勘違い。。
CAでも20数年前はそうでした。
現在の東京メトロポリタンの不動産市況
バブルの買値の1/4..
値がつくうちに。。売り逃げたい。
タダでもいいから所有権移転したい。
私も値があるうちに。。不動産(除く自己保有)売り逃げしたいです。
- #80
-
#47さま
日本企業の駐在員の。。fringe benefitは凄いです!!
数年駐在で日本に家が買えます。
外国での給料。。はここで必要な水準でここで支給されます。
(一流商社が基準でアメリカンに恥ずかしくない基準)
日本に帰れば 木造アパート。。とは誰にも信じさせません
内地賃金は日本に帰るまで口座にどんどん貯まっていきます。
ですからいわゆる転勤太り。。。二重サラリーです。
もちろん住居 車 交際費。。全て会社支給です。
USAでの給料全部使っても 毎月日本の内地賃金が全て貯まります。
リタイアするまで海外赴任 社宅暮らし。。も
サラリーマンのささっやかな。。資産つくり
- #81
-
#79さん。
不動産は資産ですよ。一番大きい資産だと思います。
自分が不動産投資に失敗したからといって、かってに変えるのは
おかしい。 13−15年前に何軒か購入しましたが、すべて2.5−3倍の価格になっています。 不動産を使って、色々に
使う事は可能です。 カルフォーニアは今年20%以上価格があがっていますよ。
#78さんも言ってますが、自分の失敗体験で、何か滅茶苦茶な定義ですね。
Posting period for “ 40ー50代世帯の資産額 ” has been closed.
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