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複式洋房

積分: 261


1#
發表於 05-1-25 00:42 |只看該作者

Index Funds

Anyone has expereince on index fund. I read some books they recommended on investing Indix funds which has less subscription fee (<1% or 0%) and (<0.1%) annual management funds. The performance of the index funds is same as the index such as S&500. The second biggest funds in US is Van500 now. The average growth is around 12%. That is less risk and sounds quite good.

Your finance advisor may not suggest Index funds to you due to no commission. Anyone has experience to share ?


大宅

積分: 3261


2#
發表於 05-1-25 10:34 |只看該作者

Re: Index Funds

Hi Chunhei,

Index fund is good, and the management fee is 小d,不過真的,有不小基金的表現是比Index Fund差的,不過,從Morningstar的表現比較,也真的有很多'好'基金比Index fund 好。

以上年為例, 恆生指數只上升約14%,但最好的一隻香港基金: First State 香港上升約 34%,大幅跑羸指數。

買基金, sub. fee 及 management fee 是要留意的,不過,我覺得,若是懂得'揀'基金,專'揀'一些長線好表現的基金買,效果'可能'比Index fund 好好多。

「我一生要讚美耶和華,我還活的時候,要歌頌我的神。」詩篇146:2


複式洋房

積分: 457


3#
發表於 05-1-25 15:08 |只看該作者

Re: Index Funds

如果對個果市場的大市有信心,但係又唔相信基金經理的投資眼光,咁,買index fund 會係一個好選擇.
其實市場上都有好多基金平均都會跑嬴大市(指數),所以index fund 都唔係好多人買的.


複式洋房

積分: 261


4#
發表於 05-1-26 00:51 |只看該作者

Re: Index Funds

Hi Stanley, Ron,

Thanks for your information !

I got a questions here again. As I passive (lazy and non-smart) investor and don't want switching funds often. Just want to have static but resonable return until retirement. Don't need to worry for reviewing funds performance status often. 12% growth (in long run) for S&200 seems be OK.



複式洋房

積分: 457


5#
發表於 05-1-26 12:02 |只看該作者

Re: Index Funds

Hi chunhei ;
你們問的S&200 是否澳洲的S& 200 指數,因為好似只有澳洲先有,而美國是沒有S& 200 指數的.


複式洋房

積分: 261


6#
發表於 05-1-26 22:36 |只看該作者

Re: Index Funds

It is typo and should be S& 500.


複式洋房

積分: 457


7#
發表於 05-1-28 12:02 |只看該作者

Re: Index Funds

Hi chunhei :
由2004年12月31日計,過去10年S& 500 的平均每年回報是12.05%,過去15年是10.91%,過去20年是13.2%,從這資料中可參考的是,如果在長線投資上,平均每年回報可以是10% - 13%,但是,S& 500 在過去5年的平均每年回報是 -2.3%,從中表現出,如果投資時間越短,所面對變數的機會越大,還有就是,如果把投資過份集中在一個市場,就算是一個非常成熟的市揚,同樣風險也會增加,所以分散投資,分散風險是很重要的.


複式洋房

積分: 261


8#
發表於 05-2-1 22:28 |只看該作者

Re: Index Funds

Hi Stanley,

Thanks for your advice !
I would like to have worldwide protfolio like below.
30% of S& 500, 20% of Russell 2000 and 50% of EAFE (Europe, Australia and Far East).

Some index funds in US offer no subsciption fee and less than 0.1% annual charge.

It sounds very interesting.


複式洋房

積分: 457


9#
發表於 05-2-2 13:45 |只看該作者

Re: Index Funds

Some index funds in US offer no subsciption fee and less than 0.1% annual charge.

係HK買唔買到,最低投資額是多少,Tks

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