{"id":21460,"date":"2022-08-17T17:00:59","date_gmt":"2022-08-17T09:00:59","guid":{"rendered":"https:\/\/www.phillipnova.com.sg\/?post_type=educational_articles&#038;p=21460"},"modified":"2022-08-18T10:31:13","modified_gmt":"2022-08-18T02:31:13","slug":"national-servicemen-is-it-time-to-start-your-investment-journey","status":"publish","type":"educational_articles","link":"https:\/\/www.phillipnova.com.sg\/cn\/educational_articles\/national-servicemen-is-it-time-to-start-your-investment-journey\/","title":{"rendered":"\u56fd\u6c11\u670d\u5f79\u4eba\u5458\uff0c\u662f\u65f6\u5019\u5f00\u59cb\u4f60\u7684\u6295\u8d44\u4e4b\u65c5\u4e86\u5417\uff1f"},"content":{"rendered":"<p><em>\u83f2\u5229\u666e\u8bfa\u74e6\u7b56\u7565\u5e08\uff0c<\/em> <em>\u674e\u4ee5\u6770\uff0c29\u5c81<\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u5982\u679c\u60a8\u662f\u4e00\u540d\u5c45\u4f4f\u5728\u65b0\u52a0\u5761\u7684 18 \u5c81\u4e14\u5bf9\u65f6\u4e8b\u611f\u5174\u8da3\u7684\u4eba\uff0c\u90a3\u4e48\u60a8\u73b0\u5728\u53ef\u80fd\u5df2\u7ecf\u542c\u8bf4\u8fc7\u201c\u6295\u8d44\u201d\u8fd9\u4e2a\u8bcd\u4e86\u3002\u4e5f\u8bb8\u4f60\u53ef\u4ee5\u56de\u5fc6\u8d77\u4f60\u7684\u540c\u5c45\u5ba4\u53cb\u548c\u5bb6\u4eba\u8c08\u8bba\u201c\u5373\u5c06\u5230\u6765\u7684\u7ecf\u6d4e\u8870\u9000\u201d\u6216\u201c\u901a\u8d27\u81a8\u80c0\u5904\u4e8e\u5386\u53f2\u6700\u9ad8\u6c34\u5e73\u201d\u7684\u65f6\u5019\u2014\u2014\u4f46\u7531\u4e8e\u4f60\u7f3a\u4e4f\u7406\u89e3\uff0c\u4f60\u5b8c\u5168\u907f\u514d\u4e86\u8c08\u8bdd\u3002\u6216\u8005\u4e5f\u8bb8\u4f60\u662f\u4e00\u4e2a\u8ba4\u4e3a\u4ed6\u4eec\u662f\u7684\u4eba <strong>\u6570\u5b57\u4e0d\u597d<\/strong>\uff0c\u5e76\u4e14\u5b81\u613f\u5c06\u60a8\u8f9b\u82e6\u8d5a\u6765\u7684\u73b0\u91d1\u7559\u5728\u50cf\u94f6\u884c\u8fd9\u6837\u7684\u907f\u98ce\u6e2f\u91d1\u878d\u5de5\u5177\u4e2d\u3002\u6bd5\u7adf\uff0c\u5728\u6211\u4eec\u6210\u957f\u7684\u8fc7\u7a0b\u4e2d\uff0c\u7236\u6bcd\u7ecf\u5e38\u63d0\u9192\u6211\u4eec\u201c\u94b1\u4e0d\u662f\u957f\u5728\u6811\u4e0a\u201d\u7684\u3002<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u5728\u8fd9\u7bc7\u6587\u7ae0\u4e2d\uff0c\u6211\u5e0c\u671b\u9610\u660e\u6295\u8d44\u7684\u91cd\u8981\u6027\u3002\u5982\u679c\u201c\u6295\u8d44\u201d\u8fd9\u4e2a\u8bcd\u4ecd\u7136\u8ba9\u4f60\u611f\u5230\u4e0d\u8212\u670d\uff0c\u90a3\u4e48\u4e5f\u8bb8\u662f\u65f6\u5019\u6211\u4eec\u5f00\u59cb\u5bf9\u6211\u4eec\u6240\u505a\u7684\u4e8b\u60c5\u62e5\u6709\u66f4\u591a\u7684\u6240\u6709\u6743\u4e86 <strong>\u6211\u4eec\u7684<\/strong> \u94b1\u3002\u4e3a\u4e86\u8bf4\u660e\u4e3a\u4ec0\u4e48\u6295\u8d44\u5f88\u91cd\u8981\uff0c\u8bf7\u5141\u8bb8\u6211\u5206\u4eab NS \u4e2d\u4e24\u4e2a\u4eba\u7684\u6545\u4e8b\uff1a<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>#1\uff1a\u4e54\u4ec0<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>\u627f\u8bfa30\u5e74\u6bcf\u5e74\u8282\u7701$3600<\/li><li>\u4e0d\u6295\u8d44\uff0c\u56e0\u4e3a\u4ed6\u5bb3\u6015\u627f\u62c5\u98ce\u9669\u3002\u5c06\u4ed6\u7684\u50a8\u84c4\u4e2d\u7684 100% \u5206\u914d\u7ed9\u5f53\u5730\u94f6\u884c\uff0c\u8be5\u94f6\u884c\u7684\u5e74\u5229\u7387\u7ea6\u4e3a 3%<\/li><\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u4ee5\u4e0b\u662f 30 \u5e74\u540e Josh \u8282\u7701\u4e86\u591a\u5c11\u7684\u660e\u7ec6\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table style=\"width: 100%; height: 319px;\">\n<tbody>\n<tr style=\"height: 33px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 43px;\" rowspan=\"2\">\n<h4><strong>\u5e74<\/strong><\/h4>\n<\/td>\n<td style=\"width: 91.3095%; text-align: center; height: 33px;\" colspan=\"2\">\n<h4><strong>\u4e54\u4ec0<\/strong><\/h4>\n<\/td>\n<\/tr>\n<tr style=\"height: 10px;\">\n<td style=\"width: 42.9762%; text-align: center; height: 10px;\"><strong>\u00a0\u5e74\u5b58\u6b3e<\/strong><\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 10px;\"><strong>\u00a0\u94f6\u884c\u91d1\u989d\uff083% \u9000\u8d27\uff09<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>1<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">$3,600<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">$3,600<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>2<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">$3,600<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">$3600 + $3600*103% = $7308<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>3<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">$3,600<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">$3600 + $7308*103% = $11127<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>.<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">.<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">.<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>.<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">.<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">.<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>.<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">.<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">.<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>25<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">$3,600<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">$3600 + $123935*103%= $131253<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>26<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">$3,600<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">$3600 + 131253*103% = $138791<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>27<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">$3,600<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">$3600 + $138790*103% = $146555<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>28<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">$3,600<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">$3600 + 146555 *103% = $154551<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>29<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">$3,600<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">$3600 + $154551*103% = $162788<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>30<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">$3,600<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">$3600 + 162788*103% = $171271<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u5728 30 \u5c81\u65f6\uff0c\u4e54\u5e0c\u603b\u5171\u8282\u7701\u4e86 $171,271\u2014\u2014\u5bf9\u4e8e\u4efb\u4f55\u4eba\u6765\u8bf4\u90fd\u662f\u4e00\u7b14\u5408\u7406\u7684\u94b1\u3002\u6b64\u5916\uff0c\u968f\u7740 3% \u7684\u8fd4\u8fd8\uff0c\u4ed6\u5728 24<sup>\u65e5<\/sup> \u5e74\u3002<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>#2\uff1a\u6258\u9a6c\u65af<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>\u627f\u8bfa\u6bcf\u5e74\u8282\u7701$2400 30\u5e74<\/li><li>\u5c06\u4ed6\u7684\u50a8\u84c4\u4e2d\u7684 50% \u6295\u8d44\u4e8e iShares ESG Screened ETF Exchange Trade Fund (ETF)\uff0c\u4ece\u800c\u4ea7\u751f\u7ea6 8% \u7684\u5229\u606f<\/li><li>\u4ee5\u301c3%\u7684\u5229\u7387\u5c06\u5269\u4f59\u91d1\u989d\u5206\u914d\u5230\u94f6\u884c<\/li><\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u6258\u9a6c\u65af 30 \u5e74\u540e\u8282\u7701\u4e86\u591a\u5c11\u7684\u660e\u7ec6\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table style=\"width: 100%; height: 343px;\">\n<tbody>\n<tr style=\"height: 33px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 43px;\" rowspan=\"2\">\n<h4><strong>\u5e74<\/strong><\/h4>\n<\/td>\n<td style=\"width: 91.3095%; text-align: center; height: 33px;\" colspan=\"2\">\n<h4><strong>\u6258\u9a6c\u65af<\/strong><\/h4>\n<\/td>\n<\/tr>\n<tr style=\"height: 10px;\">\n<td style=\"width: 42.9762%; text-align: center; height: 10px;\"><strong>SPX ETF\uff088% \u56de\u62a5\uff09 <\/strong><\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 10px;\"><strong> \u94f6\u884c\uff083% \u9000\u8d27\uff09 <\/strong><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>1<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">$1,200<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">$1,200<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>2<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">$2,496<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">$2,436<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>3<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">$3,896<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">$3,709<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>.<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">.<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">.<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 24px;\"><strong>.<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 24px;\">.<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 24px;\">.<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>.<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">.<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">.<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>25<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">$87,727<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">$43,751<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>26<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">$95,945<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">$46,264<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>27<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">$104,821<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">$48,852<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>28<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">$114,407<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">$51,517<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>29<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">$124,759<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">$54,263<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>30<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\">$135,940<\/td>\n<td style=\"width: 48.3333%; text-align: center; height: 23px;\">$57,090<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 8.57143%; text-align: center; height: 23px;\"><strong>\u5168\u90e8\u7684<\/strong><\/td>\n<td style=\"width: 42.9762%; text-align: center; height: 23px;\" colspan=\"2\"><b>$193,030<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u5c3d\u7ba1\u6bcf\u5e74\u8282\u7701 $2400\uff0c\u4f46\u6211\u4eec\u770b\u5230 Thomas \u5728 30 \u5e74\u672b\u6bd4 Josh \u591a\u51fa\u7ea6 $22,000\uff08$193k \u4e0e $171k\uff09\u3002\u4e8b\u5b9e\u4e0a\uff0c\u5728\u4ed6\u6295\u8d44\u7684\u7b2c 25 \u5e74\u91cc\uff0c\u4ed6\u7684\u50a8\u84c4\u603b\u989d\u8d85\u8fc7\u4e86\u4e54\u5e0c\u3002<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u5f88\u96be\u60f3\u8c61\u50a8\u84c4 $3600 \u7684\u4eba\u6700\u7ec8\u4f1a\u6bd4\u6bcf\u5e74\u50a8\u84c4 $2400 \u7684\u4eba\u62e5\u6709\u66f4\u5c11\u7684\u8d22\u5bcc\u3002\u4ee5\u4e0b\u662f\u6258\u9a6c\u65af\u5728 30 \u5e74\u540e\u6700\u7ec8\u80dc\u8fc7\u4e54\u4ec0\u7684\u4e24\u4e2a\u539f\u56e0\uff1a<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>\u590d\u5229<\/strong><br>\u901a\u8fc7\u590d\u5229\uff0c\u60a8\u53ef\u4ee5\u4ece\u672c\u91d1\u4f59\u989d\u548c\u8d5a\u53d6\u7684\u5229\u606f\u4e2d\u8d5a\u53d6\u5229\u606f\u3002\u590d\u5229\u662f\u5f53\u60a8\u5c06\u8d5a\u53d6\u7684\u5229\u606f\u52a0\u56de\u672c\u91d1\u4f59\u989d\u65f6\uff0c\u8fd9\u5c06\u4e3a\u60a8\u8d5a\u53d6\u66f4\u591a\u7684\u5229\u606f\uff0c\u4ece\u800c\u589e\u52a0\u60a8\u7684\u56de\u62a5\u3002\u6709\u4e86\u590d\u5229\uff0c\u968f\u7740\u60a8\u4ece\u8d8a\u6765\u8d8a\u5927\u7684\u4f59\u989d\u4e2d\u8d5a\u53d6\u5229\u606f\uff0c\u60a8\u7684\u50a8\u84c4\u8d26\u6237\u4f59\u989d\u7684\u589e\u957f\u5c06\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\u800c\u52a0\u901f\u3002<br><\/li><li><strong>\u91d1\u878d\u5de5\u5177\u7684\u4e0d\u540c\u5229\u7387<\/strong><br>\u4e0e Joshua \u4e0d\u540c\u7684\u662f\uff0cThomas \u7684\u98ce\u9669\u504f\u597d\u66f4\u9ad8\uff0c\u4ed6\u5c06 50% \u7684\u50a8\u84c4\u5206\u914d\u7ed9\u4e86 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