저축을 하면 1년에 3.5%의 이자를 준다고 합니다. 100만원을 1년간 맡기면 (보관시킨다는 의미가 맞겠지요. 그 돈이 어디에 어떻게 쓰이는지 모르고 이자를 받기 때문에) 3만5천원을 이자로 줍니다.
그러나 이자는 소득이므로, 과세원칙에 따릅니다. 즉, 소득의 22%를 분리과세합니다. 좀 더 쉽게 펼쳐서 얘기하면, 은행 돈을 맡겨서 돈이 불러나면 그 불어난 돈에서 나라가 정한 세금을 떼고 은행에서 세무서에 손님을 대신해서 내고, 나머지를 돌려 준다는 얘기입니다.
100만원을 맡겨서 이자가 35,000원이면 세금은 7,700원을 은행에서 먼저 떼어서 내 손에 쥐게 되는 돈은 1,027,300원을 받게됩니다. 물론 은행은 먼저 손님이 세금으로 낸 돈을 손님 대신 세무서에 내게 됩니다.
1년이 지나서 맡긴 돈이 새끼를 쳐서 늘어났다고 해서 무조건 좋은 일이 아닙니다. 이자가 그새 오른 물가보다 적다면 괜히 맡겼다고 하겠지요. 요즈음 돈값이 많이 떨어졌습니다. 1년에 100만원 맡겨서 이자 27,300원 나옵니다.
주식투자를 위해 100만원 투자하면 얼마나 이익이 나겠습니까? 기대이익은 투자원금에 비례합니다.
Capital Requirements for Day Traders
From Alvaro Oliveira,
One of the most frequently asked questions I receive relates to how much capital one requires to begin day trading on a regular basis. This question is not easy to answer and opinions on this issue vary widely among experienced
day traders .
Some argue that a
day trader does not need to have substantial capital in his or her trading account since trades during the day can be bought on margin and, because all such trades are closed out before the end of the day, there is never any need to post sufficient margin to maintain positions overnight. Others argue that substantial capital is required in order to ride out a possible series of losses which may occur during the learning stage. Otherwise, the novice
day trader stands the risk of being knocked out of the game very early in his trading career.
So, how large a "stake" do you really need to start day trading? The answer to this question will, as one would expect, vary for each person depending on that person's tolerance for risk and trading style.
Generally, my own opinion is that, ideally, an aspiring
day trader should have enough trading capital to enable him or her to buy at least 1000 shares of any given stock on any particular day - preferably without having to use margin.
In my view, there are very few stocks priced under $20 that have the degree of liquidity necessary to make them suitable for day trading. The vast majority of the stocks I trade in are priced in the $40 to $100 range. This means that, in my opinion, a novice
day trader should normally have trading capital of between $40,000 and $100,000 to start. In addition, the new
day trader should treat this as 100% risk capital and should not have to unduly worry that the whole amount of this capital may be lost very quickly.
For those who have the resources, it is highly advantageous to be able to purchase a "block" of stock from time to time. Since a block consists of 10,000 shares, this is generally going to require $400,000 or more of trading capital - although the use of margin may reduce the capital required substantially.
I am not suggesting that no one should trade with as little as $10,000 to gain some experience so long as the risks and difficulty of day trading with this small amount of capital is recognized, kept in perspective and the capital is treated as 100% risk or speculative capital.
My own experience, however, suggests that most
traders who start "small" tend to be nervous
traders. Because of their limited trading capital, many such
traders often "pull the trigger" too soon to minimize losses without being patient enough to wait for profits to materialize, or exit trades too late in the hope that a losing position will rebound and their trading capital will be restored. In addition, for those who are starting "small", day trading expense items such as commissions, real-time data, equipment fees and so on become much greater factors in assessing the likely profitability of the proposed trading activity.
