[Peanuts 資產最大化案例分享］有沒有穩當且不用管事的退休收入？

有沒有比當包租公包租婆還穩當且不用管事的退休收入呢？🤓💡

🏘️ 最近有則新聞講到張忠謀以新台幣1.2億（約美金三千七百萬）賣掉他在夏威夷的別墅，看出不管是億萬富翁還是百萬富翁，年紀大了之後真的不想再被房事纏身啊！

房地產投資雖然受到很多人的喜愛，但也有很多煩人的事情需要處理，比如打掃、招租、催租、維修、維護、繳稅、保險、除白蟻、驅離房客⋯等等。除了房貸之外，養房也有很多費用需要支出，據報導美國獨立屋（single-family home)的養房花費平均一年要美金$18,118，比2020年增加26%，而且某些地區養房的潛在開銷比其他地點來得高。在加州養房的費用可能每年要$28,790。出租房的報酬率百分比通常取決於許多因素，包括地理位置、房產價值、租金收入和維護成本等。一般來說，美國的出租房的淨報酬率在4％到8％之間。

年紀大了只想輕鬆享受人生，不想要再管理不動產了，想退場了怎麼辦？🤔

👩🏻‍💻 我來跟大家分享一個68歲的房地產投資退場案例，投資房賣了拿到100萬美金，將這100萬存入‘保證型’年金帳戶裡，如果一存入就馬上開始領錢，每年保證可領$74,375美金，如果存入後等五年，在73歲再開始領錢，每年保證可領 $120,937美金，活越久領越多，是不是比當包租公的報酬率還高了，也比放銀行好太多，還完全不用管雜事，省心又省力。如果領到中途決定不再年年領，想要統統一次領出來或每次多領一點也可以。上天堂後其餘的現金價值還能傳承給受益人，重點是現金價值是越領越多哦。

這個年金不需要體檢就可以購買，是很多無法買保險的人為自己創造永久被動收入的選擇，最低只要$25,000美金就可以開戶。目前的高利息不會永遠存在，如果想要及早佈局，或有任何問題，歡迎來找我試算喔! 🤓👍🏻🏦

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🏘️ Recently there was news that Morris Chang sold his villa in Hawaii for NT$120 million (approximately USD 3.7 million). This shows that whether billionaires or millionaires, when they get older, they really don't want to deal with property matters anymore!

Although real estate investment is loved by many, there are also many annoying things to deal with, such as cleaning, renting out, rent collection, maintenance, upkeep, tax payments, insurance, termite control, evicting tenants, and more. Besides mortgage payments, there are also many expenses involved in maintaining property. According to reports, the annual cost of maintaining a single-family home in the United States averages $18,118, which is a 26% increase from 2020, and in some areas, the potential costs of maintenance can be higher than others. In California, for example, the cost of maintaining a home could be as high as $28,790 per year. The return on investment for rental properties typically depends on factors such as location, property value, rental income, and maintenance costs. Generally, the expected net ROI for rental properties in the United States ranges from 4% to 8%.

As people get older, they just want to relax and enjoy life without managing real estate anymore. What should you do if you want to exit? 🤔

👩🏻‍💻 Let me share a real estate investment exit case of a 68-year-old. They sold their investment property for $1 million and placed this amount into a "guaranteed" annuity account. If they start receiving payments immediately upon depositing the money, they are guaranteed to receive $74,375 USD annually. If they wait five years until age 73 to start receiving payments, they are guaranteed to receive $120,937 USD annually. The longer they live, the more they receive, which may offer a higher return than being a landlord, and much better than saving money in the bank, all without the hassle. If they decide midway they don't want to withdraw annually anymore, they can opt to withdraw the entire amount at once or take out more each time. After they pass away, the remaining cash value can be inherited by beneficiaries.

This annuity doesn't require a medical exam to purchase, making it an option for many who can't buy insurance to create a permanent passive income for themselves. You can open an account with as little as $25,000 USD. The good interest rates will not always exist. If you want to customize a personalized plan or have any questions, feel free to reach out to me! 🤓👍🏻🏦