Saving Nearly 3萬 per Month From Part-Time Work and Tutoring, Total 95萬
A college junior posted on Dcard on the 29th titled "Almost Saved 100萬 by Junior Year," saying he has worked part-time since high school graduation and tutored since sophomore year, charging 700元 per class, plus part-time income, for monthly income of about 3.5萬 to 4萬元, exceeding 4萬元 when shifts are fuller during winter and summer breaks. As he currently lives at home with no rent and monthly living expenses of about 5000 to 8000元, he can save 2.5萬 to 3萬元 per month, with bank and securities assets now totaling 95萬2069元.
Core Holding in 006208, Bullish on Continued Accumulation After Split
On investments, the OP mainly holds the market-cap ETF Fubon Taiwan 50 (006208). He once considered switching to Yuanta Taiwan 50 (0050) as the price climbed, but upon learning 006208 is preparing a split, calculated at a 1-for-8 split each lot would cost about 3萬多元 after the split, so he decided to hold and keep accumulating slowly. His long-term goal is to accumulate 100張, estimated at about 300萬元 at post-split prices, which will still take several years at his current part-time saving pace.
First Pot Risen to 300萬? Seeking Compounding Tips
The OP said he heard from elders that the first pot in life has now risen to 300萬元, wondering if anyone can save 200萬 to 300萬元 before graduating university, and asked netizens to share saving and investing tips, hoping to give compounding more time to work.
Netizens Endorse Market-Cap Type, Urge Reinvesting Distributions
The post sparked discussion, with many netizens endorsing the OP's choice of market-cap type over high-dividend, suggesting saving one lot per month after the split, about 3萬元, and reinvesting 006208 distributions. One netizen shared buying dividend stocks in college only when having money and reinvesting dividends, breaking 100萬元 in assets by senior year and accumulating over 200萬元 after working, but warned not to sell for no reason, having earned less after selling UMC early. Another said he saved 006208 from part-time work starting in 11th grade, switched to leveraged 2x after sophomore year, holding up to 6張 at most, with a market value of about 200萬元 before graduation, saying going slow is the fastest. Others said no rent is an advantage and there is no need to insist on reaching 200萬 to 300萬元 before graduation, as saving 200萬元 before graduating university is already remarkable. This information is for reference only; investors should make independent judgments, carefully evaluate and bear investment risks themselves.