以金融控股公司股票作為退休規畫之研究

存股退休一直以來都是熱門話題，國內利率長期偏低，越來越多人發現，與其把錢存在銀行賺微薄的利息，不如「存股」把錢用來買股票，長期持有賺股息，甚至賺價差，為自己多存點退休金。靠存股票賺股息、股利過穩定的生活，是許多人的夢想，如何選擇一檔優秀的定存股究非常重要了。金融股具備營運穩健、高股息概念、流動性佳等特性，向來是投資人偏愛的存股標的，存股族追逐高殖利率個股，除了看殖利率高低，更須評估後續能否順利填息。本研究選擇台灣上市櫃金融控股公司股票共計15家為研究對象，以殖利率及平均報酬為參考指標，是否能符合4%提取率規則，用以支應退休生活資金所需。

關鍵字

存股；殖利率；金融股

並列摘要

Buying shares in retirement has long been a hot topic, domestic interest rates have been low for a long time, more and more people find that rather than putting money There are banks that earn meagre interest, rather than "depositing shares" to buy stocks, long-term holdings to earn dividends, or even earn Spread, save yourself an extra pension. It is many people's dream to earn dividends and dividends by saving stocks, and it is very important to choose an excellent deposit stock. Financial stocks have the characteristics of sound operation, high dividend concept, good liquidity and so on, has always been the preferred stock deposit standard for investors In addition to looking at the high and low interest rates, the depositors chased high interest rates, but also had to assess whether the follow-up can be successfully filled in interest rates. This study selected a total of 15 shares of Taiwan listed cabinet financial holding company as the research object, with the interest rate and average compensation as a reference point, whether it can meet the 4% withdrawal rate rule, to support the retirement living capital needs.