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我的小孩现在2岁半,今年二月份春节之后开市第二天给他开了一个证券账户(因为他没有身份证年龄也不够,所以用的是他妈妈身份开的账户),用来打理他每年的压岁钱。对于开这个账户的原因、账户资金来源、账户用途我这里有一些想法,今天记录在这里,希望他大一点之...","type":"3","source_link":null,"edited_at":null,"user":{"subscribeable":false,"common_count":0,"remark":"","recommend_reason":null,"follow_me":false,"allow_all_stock":false,"stock_status_count":null,"blog_description":"","stocks_count":34,"recommend":null,"st_color":"1","intro":null,"domain":"","type":"1","friends_count":100,"verified":false,"profile":"/1695611159","province":"江苏","city":"不限","gender":"m","status_count":757,"last_status_id":351436763,"verified_description":"","verified_type":0,"step":"three","followers_count":6165,"location":"","description":"十年小散户,目前只做红利ETF,立志积累10万份510880红利ETF,(因为提前还房贷目前已没有红利ETF,暂时买的是内蒙华电)目前还在积累中。人到中年,早就断绝了通过股市暴富的念头,目标年化10-15%就可以。","id":1695611159,"url":"","status":1,"screen_name":"牛杯杯历险记","following":false,"blocking":false,"donate_count":0,"name":"","verified_infos":[{"data":[],"verified_type":"5","verified_desc":"用户已完成实名身份认证"}],"group_ids":null,"verified_realname":true,"name_pinyin":null,"screenname_pinyin":null,"photo_domain":"//xavatar.imedao.com/","live_info":{},"profile_image_url":"community/201411/1419487742502-1419487761555.jpg,community/201411/1419487742502-1419487761555.jpg!180x180.png,community/201411/1419487742502-1419487761555.jpg!50x50.png,community/201411/1419487742502-1419487761555.jpg!30x30.png"},"retweeted_status":null,"answers":null,"rqtype":null,"rqid":0,"target":"/1695611159/147400529","fragment":null,"blocked":false,"blocking":false,"topic_pic":null,"topic_symbol":null,"topic_title":null,"topic_desc":null,"donate_count":0,"donate_snowcoin":0,"liked":false,"view_count":0,"weixin_retweet_count":0,"mark":5,"card":null,"favorited":false,"favorited_created_at":null,"offer":null,"score":null,"controversial":false,"fundxHold":null,"tips":null,"longTextForIOS":false,"stockCorrelation":["SH515180","SH510880","SH510310","BABA","BIDU","09988"],"timeBefore":"2020-04-21 13:17","canEdit":true,"expend":true,"reward":true,"firstImg":"https://xqimg.imedao.com/1719b2a29f72cdf13fd93bda.png","rawTitle":"帮儿子开个账户","tagStr":"","tagsForWeb":";SH515180,SH510880,SH510310","topic_pic_thumbnail_small":null,"topic_pic_thumbnail":null,"topic_pic_headOrPad":null,"reply_count":182,"meta_keywords":"{\"stockCorrelation\":\"SH515180_SH510880_SH510310_BABA_BIDU_09988\",\"stockList\":\"SH515180_13,SH510880_13,SH510310_13,BABA_0,BIDU_0,09988_30\"}","paid_mention":null,"reward_count":0,"reward_amount":0,"reward_user_count":0,"talk_count":0,"like_count":95,"video_info":null,"quote_cards":null,"promotion_pic":null,"promotion_url":null,"promotion_id":0,"mark_desc":null,"pic_sizes":[{"width":560,"height":224},{"width":638,"height":339}],"cover_pic_size":{"width":560,"height":224},"order_id":0,"tags":[],"status_industry":null,"excellent_comments":[],"notice_tag":null,"common_emotion":null,"current_stock_price":null,"new_card":null,"source_deep_link":null,"source_feed":false,"editable":true,"like_config":null,"title_ad_pic":null,"title_ad_url":null,"title_ad_deep_link":null,"answer_comment":null,"answer_count":0,"answer_users":null,"bonus_screen_name":null,"fundx_tag":null,"extend_st_feed_info":{"stock_event_time":0,"stock_event_type":null,"change_event_color":null,"is_future_event":false,"stock_event_id":null,"stock_event_message":null,"original_text_length":1604,"disputed_status":false,"excellent_status":"false"},"stock_list":[{"symbol":"SH515180","type":"13"},{"symbol":"SH510880","type":"13"},{"symbol":"SH510310","type":"13"},{"symbol":"BABA","type":"0"},{"symbol":"BIDU","type":"0"},{"symbol":"09988","type":"30"}],"reply_user_images":null,"reply_user_count":0,"fundx_symbol":null,"hot_new_rank":null,"image_info_list":[{"filename":"1719b2a29f72cdf13fd93bda.png","width":560,"height":224,"ocr_result":null},{"filename":"1719b236d092d32b3fd6cad5.jpg","width":638,"height":339,"ocr_result":null}],"extend_st_home_page":{"ip_location":"","st_mention_stock_count":9,"ai_card":null,"ai_status":false},"recommend_cards":null,"forbidden_retweet":false,"vod_info":null,"pic":"https://xqimg.imedao.com/1719b2a29f72cdf13fd93bda.png,https://xqimg.imedao.com/1719b236d092d32b3fd6cad5.jpg!thumb.jpg","is_answer":false,"is_refused":false,"text":"

给儿子开一个证券账户
我的小孩现在2岁半,今年二月份春节之后开市第二天给他开了一个证券账户(因为他没有身份证年龄也不够,所以用的是他妈妈身份开的账户),用来打理他每年的压岁钱。对于开这个账户的原因、账户资金来源、账户用途我这里有一些想法,今天记录在这里,希望他大一点之后能看到。。。
为什么要开这个账户
给小孩开通证券账户的目的,从大的方向说是为了从小培养小孩理财意识、投资意识、金钱的概念、价值观念。从实用主义角度来讲就是为了他以后能有一笔资金,无论他是继续做投资还是准备上学、结婚、买车、买房都能提供实际的帮助。
资金来源问题
要理财当然首先就是要有财可理,不管想做什么投资首先都需要有一定的资金。对于小孩的这个账户资金主要来源有:1、每年的压岁钱,来自他爷爷奶奶、外公外婆、老太爷老太奶奶等等亲戚。2、她妈妈的公积金,虽然每月不多,但是贵在稳定持久。每过几个月或者半年我会去提取一次,补充到这个账户里面。3、账户申购可转债收益,这个也是我在做的,每年中几个可转债还是有可能的,收益还是有一点的。4、我会在年末支持一点资金,主要是用于凑整数,比如他账户一年下来资金到了9400,我肯定会补充600进去,以此类推。
做什么投资
很明显现在大家对证券投资有一种奇怪的看法,认为炒股的人就是在赌博,而且十赌九输。其实大家有这个看法一点也不奇怪,因为身边听到看到的都是某某炒股抄的身败名裂,家破人亡的。而且股市里面七输二平一赢的规律,像山岳一样亘古不变。同样的我也不建议大家贸然去参与股票投资。为小孩开通的账户也同样不会去直接投资股票这个品种。那么我准备做什么类型投资呢?如下: 可转债打新 很多人可能不了解可转债是什么意思,这个也不是一句两句能说得清楚的,想了解的可以自行百度。总之就是可以使用证券账户去申购上市公司新发行的可转债,然后等新可转债上市交易之后会有一个溢价,上市之后卖出赚取这个溢价。虽然很难申购到(看运气),但是风险很低,只要中签多少会有点收益。 投资ETF基金 这个ETF基金是什么意思呢,也不是很容易说清楚。我看到一个比较有意思的说法“投资个股和投资ETF基金就像养孩子;个股是就养1-2个,万一很优秀,那你就赚大发了,万一是个败家不孝子,那你就亏大发了;ETF基金就是多生,做好各个领域方面的都有,既有好的,也有差的,总体来说不会大亏大赚,中不溜的总能差不太多,平均了单个风险。”就是说ETF基金他投资的是一揽子(数量很多)的个股,ETF基金有很多品种,比如我准备投资的是红利类ETF,它就是选取市场上分红高的一批股票,每年企业的分红我们购买ETF也可以拿到,像现在市场低迷的时候好点的ETF基金分红收益率能达到4-5%。但是ETF基金毕竟投资的还是股票,所以它每天也还是波动很大的,所以用来投资的钱必须是2-3年以上不动的钱。从长期来看(比如5年)在估值不高的时候投资ETF基金可能获得不错的收益,当然这个没有绝对的。现金理财 支付宝和微信里面的余额宝或者是理财通这种的本质上就是货币基金,我们留在股票账户里面的钱,也可以做现金理财,风险极低,收益情况马马虎虎,跟余额宝差不多。
说一下儿子账户打可转债的成绩:目前(4月21日)一共中了三个 利群转债 (今天上市了,目前还没卖),鲁泰转债,聚飞转债 。为了缴纳可转债的费用,卖出了三次$红利ETF易方达(SH515180)$ 。
目标
现在我测算的结果大概是每年在儿子的账户里能存到10000元左右的资金,只进不出,预计20年不动。目标年化收益率10%,充分利用复利这个世界第八大奇迹,那么20年后本利之和为:572750元。如果能实现,在他22岁的时候,把这样一个账户交给他,绝对是一个非常棒的礼物。
$红利ETF(SH510880)$ $沪深300ETF易方达(SH510310)$
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