前Banker介紹: "4個被動收入" - 1萬元起步👀 [中文ENG] #被動收入 #非工資收入

Before today's video begins I want to share my feelings.

This is about the fire that occurred in Tai Po a few days ago.

As a Hong Konger, I am deeply saddened.

Because I don't live in Hong Kong, I can't come here to help.

So I also donated a small amount to the Red Cross for emergency aid.

I'd also like to mention our channel, which frequently discusses money, investment, the economy, and so on.

But I want to say that the most important things in life are people and life itself.

And the spirit of mutual support among Hong Kong people is even more priceless.

Here I extend my deepest condolences to all the families affected by the disaster.

I hope everyone takes care.

Passive income The internet is flooded with all sorts of passive income.

Information tutorials tips etc. But to be honest Most of them pointed in the wrong direction.

After all these years, I've finally found the simplest and most direct way.

But a very useful method Let you build your own truly passive income To achieve financial freedom, I hope you can do us a favor by subscribing to RainIsHere. Here,

I'd like to share something quite unexpected.

So many people actually went to see my film.

Surprisingly, some of them were people who hadn't subscribed yet.

More than those who have already subscribed In gratitude for your subscriptions, I promise our team will continue to produce these videos with dedication.

Make financial and investment information available to more people Thanks I remember not long after I joined the industry, a senior colleague from a bank told me...

He said Doing our line of work To eat salted fish, one must be able to withstand thirst.

You get so much salary Of course, you have to work ten times harder.

besides When banks lay off employees With a swift stroke You will be worshipped at any time So he said My salary is not enough.

Because of this I started thinking about it a long time ago.

How to prepare for leaving Like many others, my first thought when preparing for being fired is, of course, how to generate passive income.

I've tried buying property and renting it out myself.

I've also tried investing in stocks.

However, many years later I finally understood The name passive income It's wrong in itself.

If you think buying a property to rent out...

Passive income You might be very disappointed. I remember back then.

I want to buy a building and rent it out.

Once you decide which area to buy in That's enough to annoy you.

I went to many places at that time.

I have met countless people Keep searching for information online The entire buying and selling process It took several months to complete.

However, the transaction was completed.

That's just the beginning.

Looking for tenants Repair and maintenance, tax filing Also pay attention to the direction of interest rates Market Trends I'm worried about buying a house.

Housing prices will fall Even if you go to the investment world Same here.

When I first started investing in stocks Because they are still young I don't understand anything Entering the market without looking at anything But I don't know How to regulate your emotions So I'm actually constantly reorganizing.

refresh The stock price chart was reorganized.

My feelings at that time It fluctuates with the stock price.

I was very nervous.

alright I gained experience when I was older.

I know how to buy stocks You must do your homework Doing research So I was really serious back then.

page by page Look at the company's data Valuation Look at its annual report The company's favorite Hiding some subtle words In those footnotes result My entire report Study very carefully right So it really took a super long time.

itself I was just thinking Even if you lose your job There is also passive income to sustain life.

But who would have guessed it would be so busy?

Once I unintentionally See a book It's MJ DeMarco's The Millionaire Fastlane This book I was there before.

Another video mentioned this.

One of them is...

I was very impressed at the time.

It said True wealth lies not in how much money you possess, but in how much freedom you have to control your own life. What you want to do, when you want to do it, and with whom you want to do it—it's all up to you. That's

when I realized it.

I've been chasing the wrong direction all along.

What I've always wanted Actually no.

passive income Rather freedom Later I redefined Passive income I no longer call it passive.

I call it non-wage income.

Because that's what I wanted.

Not more money Instead, more freedom Have the freedom to choose when to work and when to rest.

When to spend time with family so The focus of non-wage income Not money Rather freedom Five years ago I really did it.

I have the freedom to resign My job at the bank at the time Freedom to arrange My own working hours And when you know The essence of passive income Not money But if it's freedom Everything Suddenly It has become much simpler and clearer.

Today I've organized three steps.

Along with some income instruments Help you step by step Establish non-wage income first step It started with Little Silver Code Then long-term And continue to do Even if you every month I only saved two thousand yuan.

Twenty years after the duplex There are already 800,000 Therefore, the best time to invest It was ten years ago The second best investment opportunity Today The earlier you start, the better.

A little capital doesn't matter Utilizing the power of duplex Go increase your returns When you are long When doing the same thing It will also increase at the same time Your experience and knowledge in this area It will only get better and better from now on.

The second step is How to select Which type of non-wage income should be used?

I think There are two aspects that need special consideration.

The first aspect is Choose the tools you like.

Whether you're collecting rent or making YouTube videos Whether writing a blog or not Whether it's investing for interest How can you do it if you're not interested?

Lasting and for a long time How can we do this well?

If you have to force yourself Doing things I'm not interested in every day I absolutely do not believe This is called freedom.

Therefore, no one else needs to do it.

You should follow along and do another thing, I think.

Important things to consider It's about figuring out how to leave.

For example, some people Taxi license to buy As long as it's rented out every month There is cash income But if you need the money tomorrow Can we do it tomorrow?

Can this brand be sold?

When will a buyer be found?

In addition, many people like to buy properties to rent out.

But you should also ask yourself...

If you want to leave How long will it take?

How can this house be sold?

How do I find a broker and a lawyer?

This has always been my view.

Investment Principles Everything I want to buy Before buying I'll always be thinking about how to sell it.

How much time will it take to sell?

Is the program very complicated?

This is also what I'm pursuing.

Freedom without burden for me Financial flexibility It is also a kind of freedom The third step is Truly What should we buy?

Should we create this income-generating tool?

Rain, a former banker In the capital market Establish this income system Actually, for me That's what I enjoy doing the most.

There are also tools with the greatest degree of freedom.

Today I will share four income tools Will be low risk Go to high-risk The first tool Bonds Or a tiered system of certificates of deposit To make this staircase The goal is really It's like walking up stairs.

On different expiration dates Everyone got money in their pockets Suppose you have 10,000 yuan Divide into four equal parts Each serving costs 2,500 yuan.

You will use your first amount of funds Purchase a three-month deposit certificate That is, CD or bonds Assuming a three-month certificate of deposit The interest rate is 2%.

The second source of funds It was used to buy CDs with a six-month expiration period.

The interest rate is 2.05%.

The third source of funds Used to buy CDs with a nine-month expiration period The interest rate is assumed to be 2.06%.

The fourth portion of funds Used to buy a one-year CD subscription The interest rate is 2.8%.

After the first certificate of deposit matures That is, three months later You will use your first amount of funds Take it out and buy another one One-year certificate of deposit And so on.

Nine months later You begin to build The ladder of this deposit certificate CD Laddering At this time Although you have All are one-year term deposit certificates But you every three months You will have the opportunity to get your principal back.

Compare these two cases.

If a deposit certificate tiered system has not been established Average annual interest rate It is 2.2275%.

Let's say you buy 10,000 yuan worth of [something].

Annual interest return That's 222 yuan.

And using the example of stairs You will be nine months later Successfully built the ladder The interest rate is 2.8%.

Deposit 10,000 yuan You will receive 280 yuan And this staircase Both are flexible and easy to modify For example, current market expectations Within a few months The US will cut interest rates twice.

Then stop cutting interest rates.

Therefore, long-term interest rates It will still be too high.

Now that we know the direction of interest rates Investors can fine-tune their strategies Used to increase returns and the degree of freedom of funds We can use this staircase Change to a dumbbell-style strategy Because you expect it to be a few months later One interest rate cut The interest rate isn't that good.

You would give up the nine-month CD subscription and use the funds to buy a one-year CD subscription.

So at six months This ladder was already prepared in advance.

Three months early It can already be locked 2.8% return This strategy allows you to do it every few months.

Reassessing the direction of market interest rates Then make an investment So I can say this staircase It can definitely help you increase your financial freedom.

Both are possible.

Maximize your interest income The second tool is Syfe, a Singapore-based investment platform, offers a range of investment options, including deposit investments and money market investments.

Highly flexible income-generating tools For example, this fixed-interest deposit is similar to a fixed-term deposit, and then it utilizes Syfe...

My identity as an institutional investor Investing in some Hong Kong banks Hong Kong dollar or US dollar time deposits Therefore, their interest rates are generally quite high.

Fixed-interest products can all do this.

Similar to the effect of a tiered deposit certificate They have one month, three months, six months Choose So you can make this staircase yourself.

You can get your money back at different times If you expect to need a sum of money soon Its agile treasure came in handy.

You can do it anytime Get back your investment Suitable for funds that require short-term parking People who don't want their money locked up Investing in money market funds Daily interest There is no minimum investment amount.

The US dollar interest rate is as high as 4.3%.

The Hong Kong dollar alone accounts for as much as 2.6%.

You all see what I'm doing.

It's all about financial freedom.

On their apps You can choose automatic renewal.

Reinvestment of principal and interest Spend less time looking at them More time to do other things More efficient The platform also offers stocks, bonds, funds, etc. Different choices To cater to investors with different risk appetites Manage your investment portfolio in one stop Syfe is now offering an exclusive discount to RainIsHere viewers.

For more details, please see the link in the news section.

Okay, let's move on to the third tool.

That's another tool I like the most.

It means fully automated investment in the stock market.

Using this Dollar Cost Averaging method Buy stocks of top companies DCA is a function that operates within a fixed period.

Buy a fixed amount of stock ETFs And it's done regularly.

You bought during the big bull market.

You buy even during a major market downturn For example, on the 1st of each month, you use 1,000 yuan to buy stocks in this index equity fund.

If this price has increased Then you'll get fewer shares for 1000 yuan.

But if its price drops With the same amount You can buy a few more shares.

The biggest advantage of fully automated investment in this ETF is that...

Reduce the influence of your emotions on your investments.

Because when this market crashes...

You would say oops Should I sell all my shares now that the price has dropped so much?

Actually, this operation should be reversed.

If it's a high-quality ETF, you should actually buy more when it drops sharply. Therefore, this fully

sharply. Therefore, this fully automated, mindless DCA method can help you avoid making mistakes at inappropriate times. I've introduced

inappropriate times. I've introduced this in different videos before.

Several index ETFs This includes VOO This ETF tracks the S&P 500 index in the United States. It is managed by Vanguard. The S&P

States. It is managed by Vanguard. The S&P

500 index refers to the 500 largest stock indexes in the US.

The largest company VOO's current annual dividend is 1.12, meaning that if you invest 10,000 yuan, you can get 112 yuan in a year.

There are also some good ETFs.

For example, this SCHD It tracks the Dow Jones U.S.

Dividend 100 Index.

It is clearly stated that it is a dividend stock.

Therefore, they are specialized investments.

High-quality US companies that have a long history of stable dividend payouts The annual dividend is 3.86%.

In other words, investing 10,000 yuan can earn you 386 yuan a year from individual dividend-paying stocks besides ETFs.

It is also possible to achieve cash flow from quarterly dividend payments.

Of course, the risk will be higher.

Here I will teach you How to identify dividend aristocrats Dividend aristocracy has two conditions First, it must be a constituent stock of the S&P 500, one of the top 500 companies in the United States.

The second requirement is 25 consecutive years or more.

Companies that pay additional dividends every year in other words These companies not only have stable dividend payouts It's still getting more and more expensive every year.

It takes at least 25 years to be selected for this noble family.

Today I've compiled information on several high-dividend companies to share with you.

Attention!

Risk of individual stocks It will be higher than the ETFs I just mentioned.

Before entering the market, you must do your homework. First, Verizon.

homework. First, Verizon.

VZ The annual dividend yield is 7.1%.

Invest 100 yuan and you'll get 711 yuan in a year.

This is a telecommunications company with very stable dividend payouts.

It is a mature company Therefore, its business growth will not be very high.

But their advantage lies in their stable cash flow.

It belongs to the typical high-dividend stock aristocracy.

The second is Microsoft.

Dividend of 0.7% per annum Approximately 70 yuan per year Although the dividend is not high But the company continues to grow Small dividend increases every year So for me It is the best stock that earns both interest and price appreciation.

The other one is NEE Its dividend yield is 2.6% per annum.

A one-year bonus of 268 yuan.

It is one of the largest renewable energy companies in the United States.

Stable dividends Its growth potential is also good.

Abbvie The dividend is 2.8%.

280 yuan per year It is a pharmaceutical company This was introduced a few years ago.

Earn interest and price It is a relatively stable dividend aristocrat Of course, there are a few other companies that everyone is familiar with.

It is also a noble stock with excellent dividend yield.

Verizon and Microsoft among them These are respectively increasing interest payments 19 and 20 years Not considered a nobleman for 25 years But it's still quite attractive.

Of course, in the US stock market And how can we not mention another one?

What are the best cash flow dividend stocks?

These are Real Estate Investment Trusts (REITs). REITs can pool

Trusts (REITs). REITs can pool investors' funds.

Go buy and manage some Real estate that generates rental income For example, shopping malls, offices, and residential buildings.

Or warehouse, etc. The advantage is that investors can use even a very small amount of capital.

Everyone can access this real estate market Moreover, according to regulations US REITs At least 90% of the profits must be distributed.

In the form of dividends Quarterly or monthly Distributed to shareholders Of course, the real estate market It is highly affected by interest rate policies Even political factors So their risks They are also higher than ordinary company stocks.

Therefore, the returns will also be higher.

The first thing to mention is O It is mainly an investment in Stable rental retail Industrial and commercial real estate Monthly dividends In addition, SPG's credit rating was lowered by S&P this year.

Promoted to A They are also the largest in the United States The operator of shopping malls and outlets, so it can be called a combination.

Consumption and Real Estate Meanwhile, stable REITs in both markets But be careful.

O and SPG All of these are related to the consumer market.

and interest rate policy More sensitive Therefore, economic and interest rate data These factors alone can significantly impact their stock price performance. The next one is DLR (slip of the tongue). This is just one of the world's largest data center REITs.

Provide data storage for the company and cloud server space They also support the AI ​​era.

The most important infrastructure Whether it's cloud computing The demands of AI and 5G are both beneficial to DLR data centers (slip of the tongue).

Its rental income So I would say this REIT It is a long-term growth type.

Investment in science and technology infrastructure Okay, next up is WellTower, one of the largest healthcare and senior housing REITs in the US. They primarily

invest in nursing homes.

Medical centers, etc. An aging population and increasing demand for healthcare facilities WellTower has also stabilized.

Their rental cash flow Here are the interest rates for these REITs.

And an investment of 10,000 yuan How much dividend can I get each year?

But now the cloud economy As I just mentioned...

There is a chance of interest rate cuts in the coming months.

However, there is still potential for long-term interest rates.

If it keeps rising I feel that some REITs are not worth buying.

To avoid including M REIT and Mortgage REIT These are highly dependent on leverage.

REITs with short-term repurchase financing For example, you should avoid an ARR.

Additionally, pure office REITs should be avoided.

Commercial buildings have entered Structurally high vacancy rate Their rental demand has also weakened.

It looks like this CUZ I would avoid it.

Okay, let's move on to the last income tool.

Here I'd like to introduce a book to you.

This book is called Let Them is Mel Robbins's.

For me, investing in books and its knowledge It is a sure-fire investment tool I remember when I first came to Korea, I met a mother.

She is from South Korea.

She said she was a local.

Rain, you speak both Chinese and English.

You might as well teach Chinese or English.

Many children here want to learn I told her at that time But teaching languages It's not something I'm particularly interested in.

I just didn't want to do things I wasn't interested in just for money. That was when I first started making YouTube videos.

One day I was having coffee with her I told her I was very excited. I kept telling her...

I work very hard I teach some investing and economics.

I am very interested Then she said It's a shame that YouTube is so hard to succeed.

Don't waste your time You go teach Chinese now You can immediately earn several hundred yuan per hour, which is the conversion of Korean won.

Show me Hong Kong dollars Then I'll say...

No Although I don't earn money right now It's alright.

I like I like that That's why I continued to be interested in doing it.

I believe many people would say Having experienced these different times Some people will pour cold water on this.

Your thoughts Or what you want to do Because he was using his perspective.

He is using all the experience he has.

Or knowledge can tell you.

This is not feasible.

In short, they just don't agree with you.

Many people will spend time talking I just wanted to persuade him.

Actually, at that time I didn't really intend to persuade him.

But I tried to explain it to him.

Why didn't I want to do it? Not long

after, I read a book, this one called "Let Them".

The core of this book Actually, there are only a few words.

It's Let Them and Let Me It said If they do not agree with your point of view Let them be.

Why try to change others? You're trying

to change others.

The energy to argue with others Keep it for yourself Let me do something that is You can do that is It's alright.

Let them be.

This is my path.

All I can do is keep moving forward.

Continue to do what you believe is right Because you can't control other people at all.

You can control It's about controlling what's within your capabilities and what's your own. So, for me, the mindset taught in "Let Them Theory" is...

It's essentially passive income based on one's mental well-being.

When you stop giving others emotional advice Or their behavior When you try to hijack your mood Actually, you save quite a bit of these every day.

Mental cash flow And these spiritual cash flows There is no ETF or any company's stock that can provide you with that.

for me Passive income It's not telling you not to work It gives you more time to think about yourself.

Improve yourself Do what you can do More time to learn Go create Live a happier life Finally, I'd also like to mention Syfe's current approach to the RainIsHere audience.

Exclusive cash rebate offer It will end at the end of December.

interested in Remember to check the link below.

good That's all for today.

If you like this video Remember Like Share and subscription See you next time Bye-Bye