casio1668 寫道:
如果想放15萬去投資,放基金or其他好.
我和老公想打算月供3000元做月供投資基金,是否選擇沒有保險元素好?我見有些月供投資基金計劃沒有保險元素,好像101%計劃,這樣好嗎?其實於銀行購買月供投資基金和於保險公司購買有沒有分別?
sara 寫道:
casio1668,
我自己都有做101計劃,不過計劃裏面的基金係由我自己揀的,可以自由轉換而無需收錢,而我供那個計劃有7%回贈,剛剛可以cover到買賣差價,供保險公司既基金最唔好係頭幾年唔可以拿番你供款的全部,但係如果係諗住唔等錢洗既,就無咩所謂!我諗住自己最壞打算係唔掂時將自己份公積金(我個機構那種是可以拿出來的)供埋落去.
供保險基金有好有唔好,最重要要知道自己的目標和需要,否則到頭來又係得個吉!
casio1668 寫道:
I buy an insurance fund this week. Total deposit HKD1125.62 each mth for 15 Years. Life and Crisis Cover each USD50,000.00. After 15 year, I will get USD44,150.00 (base of the rate 9%). My husband said that this is not good because the higher insurance handling fee. He want to buy the fund in Heng Seng Bank. Because the cost of handling fee is lower and much flexible for me. Any suggestion!
遙遙爸爸 寫道:
你份保單"假設9%回報", 咁呢份應該係"投資相連保單". 你先生話係銀行買基金, 當然手續費低D, 但係就無保險. 始終保險同基金投資係兩樣野.
[quote]
casio1668 寫道:
I buy an insurance fund this week. Total deposit HKD1125.62 each mth for 15 Years. Life and Crisis Cover each USD50,000.00. After 15 year, I will get USD44,150.00 (base of the rate 9%). My husband said that this is not good because the higher insurance handling fee. He want to buy the fund in Heng Seng Bank. Because the cost of handling fee is lower and much flexible for me. Any suggestion!
casio1668 寫道:
ISI
I Know a special plan in Prudential. (partership with Standard Bank) . Is this true. I have a policy in your company more than 6 six years. If I have a policy in your company, can I join this special plan? What is the difference between basic fund plan and this special plan?
lsl 寫道:
Hi Sara,
1.你講既101計劃是否無得自己揀基金?如果唔知自已買左d咩,只係俾左筆錢保險公司,我自己覺得實在投資得太無知啦!
(因為個plan是新興的定期存款不是投資plan所以唔需要揀基金,100%保本,至於你覺得投資得太無知,其實有人幫你打理仲好啦!唔洗自己心大心細唔知點揀)
2.你個plan買基金無買賣差價,係唔係因為基金的管理費及其他費用已經很高,而且費用已在價格上反映呢?
(個plan無管理費及其他費用要收,但若在5年內提款,就會收取1-8%的提款額作手續費,亦無買賣差價)
歡迎pm我查詢!
lam
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