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2016/11/03 第304期 | 訂閱/退訂 | 看歷史報份 | Money 錢雜誌

Money Talks 話題 人退休 錢不退休 許阿伯70歲學買股
邱正弘:富國銀醜聞凸顯金融科技重要性
 
Money Events 活動 【《Money錢》2016年最新課程講座,報名中!】
【《Money錢》新書•專刊熱銷中!】

 

 

人退休 錢不退休 許阿伯70歲學買股
撰文:劉以親/《Money錢》雜誌
今年1月24日,霸王寒流來襲,讓台北盆地罕見地飄下冬雪,78歲的許阿伯(化名)坐在家裡看電視,一則「美國啟動升息,緊縮政策恐讓美國企業大虧損」的新聞,突如其來打亂了許阿伯的思緒,明明外頭冷颼颼,屋裡的人卻坐不住,直想往外衝。

隔天一早銀行開門後,許阿伯牽著太太的手,強忍著氣溫只有8度的寒意,趕緊到銀行把未到期的美元定存全部解約。他認為,美國企業獲利若衰退,美元也不會續強,因此毫不猶豫將美元全數換成台幣,「動作不快一點,我的錢會變薄!」許阿伯當下只有這個想法。

搶在美元兌台幣匯價在33.5元高點時,他拿回3200萬元台幣,幾乎賣在今年最划算的時點。更厲害的是,許阿伯反手將資金全數搬進台灣股市,今年以來帳上已增值至3724萬元,獲利超過16%,另外,這段期間參與股票除權息,還額外領到180萬元的現金股利,對數字很精明的許阿伯不忘補充:「股息還要再扣掉2% 的健保補充保費啦!」

不呆坐等資產縮水 動起來幫錢找好工作

像年初這樣大費周張「搬錢」,早已不是第一次。許阿伯在2008年金融海嘯之後,也曾賣掉手上的美元部位,轉而投資澳幣,因為當時美國開始實施量化寬鬆,印鈔挹注市場,所以市場預期美元將走貶,「有銀行的理專小姐跟我說,美元快不行了,要變成壁紙了!」記憶力過人的許阿伯笑談這段趣事。

「美元變成壁紙」是玩笑話,但是許阿伯正視了當下的悲觀氛圍,他動起來把錢搬到澳幣定存擺著,一來可避免美元貶值導致資產縮水,二來則可賺取較高的利息收入。在海嘯前,澳幣定存利率高達6%?7%,海嘯蔓延時一度降息,但不久後利率又升至4%~5%,是已開發國家中利率最高的幣別。「澳幣利息比較高,每個月固定領利息。」聽得出來許阿伯很滿意。

「後來澳幣升值,變貴就沒再兌換,可是手上還有700萬元台幣沒地方去,剛好海嘯後台股便宜,媳婦鼓勵我買股票,她跟我說,如果怕跌就買中華電信,我還真的憨憨買了100張。」那一年,許阿伯70歲,他把錢搬進台股裡,開始學習買股票。

其實,工作打拼大半輩子的許阿伯,已經具備享清福的經濟條件,但他說:「人要工作,錢也要上班啊!如果沒有幫錢找到好工作,它是會變薄的!」這是許阿伯搬錢的初衷,也是他有錢的智慧。

(全文未完)

【更多精采內容請看:《Money 錢》No.110 2016年11月號,各大超市及書店皆有販售;訂閱《Money錢》電子雜誌

 

邱正弘:富國銀醜聞凸顯金融科技重要性
邱正弘/《Money錢》雜誌
美國市值高居前幾名的富國銀行(Wells Fargo) 最近因帳戶造假醜聞頻頻登上媒體,在此之前,富國銀行是眾所公認的超級績優銀行, 連股神巴菲特(Warren Buffett)都鍾愛。

富國銀行究竟發生了什麼事?為什麼一家在金融海嘯期間仍備受推崇、少數不受風暴襲擊的好學生,如今聲譽會一落千丈?先以一則金融圈流傳的笑話與大家分享。

有位銀行家,念小學的女兒問他:「爸爸,銀行裡的錢不都是客戶與存款戶的嗎?那你是怎麼賺到賓士、遊艇、房子的呢?」這時候銀行家指著冰箱對著女兒說:「乖女兒啊!妳去把冰箱裡的肥豬肉拿過來給我。」

銀行家的女兒立刻打開冰箱,把肥豬肉拿給了爸爸。銀行家又指著冰箱說:「再把這塊肥豬肉放回冰箱吧!」女兒不解地問:「爸爸,為什麼你要我拿出肥豬肉、又要我放回冰箱呢?」銀行家回答:「妳看,現在妳的手指上是不是有油了呢?」

這就是金融業的生態,沒有生產、製造任何東西,卻能在與客戶一來一往間, 雙手即沾上油水。多頭環境,一般人的省思不會如此強烈, 但2008年金融海嘯的大浪打來,把大家震得七暈八素之後,「省思」馬上大舉出籠,很多人開始質疑,華爾街這群光鮮亮麗的金童玉女,到底扮演什麼樣的角色?有其存在的價值嗎?

金融海嘯、富國銀行醜聞 赤裸揭露人性的貪婪

就他們的專業知識上來看,個個是上上之選,絕對沒問題,但讓人意外的是,金融產業卻是驚人海嘯捲起的罪魁禍首。究其原因,不是他們不專業,而是人性的貪婪遠超過專業的呈現啊!

以產業結構來說,金融銀行業本身因為不是製造業,所以講白了, 他們的獲利方式難免要靠「摸」,但消費者的油水真的不多, 因此業者得想辦法多摸幾次,這就是大家看到層層包裝的金融商品不斷推陳出新的原因,又或者理專總是帶客戶衝進衝出的背景因素,因為交易行為越多,銀行才能多摸消費者幾次,也才能積累更多油水(獲利)。

這次富國銀行爆發醜聞,便是銀行員工為了多領取獎金及分紅,偷偷開設未經客戶授權的帳號所致,從另一個角度來看,這些不法員工其實是為了達成企業內部價值,亦即達成銀行所訂定的銷售目標,而走火入魔。

從此事件可看出,金控公司端出的金融商品,恐怕也不是站在消費者的立場設計, 過去的連動債是一例、近期的TRF(Target Redemption Forward,目標可贖回遠期合約)是一例,終究貪婪(賺取手續費)很容易戰勝一切,特別是在低利率環境,銀行利差限縮,發展窒礙,類似商品成了銀行生存的補給品。再說經理人的最大利益,也絕對不是消費者或股東的最大利益。

邱正弘 宏觀財務顧問總經理 南京大學金融博士、東吳大學法律學士。目前身兼三通資產管理顧問總經理、建業律師事務所資深稅務顧問、東海大學財金系助理教授等職。著有《保險私房學》等書。

(全文未完)

【更多精采內容請看:《Money 錢》No.110 2016年11月號,各大超市及書店皆有販售;訂閱《Money錢》電子雜誌

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百萬名銀髮族睡不好!失眠問題怎麼解?
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