Re: 想買月供基金直接搵Fund House 或經 IFA好呢?
Before you decide to invest in 月供基金, I think you should have aims for the fund, how long you will use the $. If it is short term such as 2-3 years, please consider other monthly saving plan because the cost of 月供基金 is quite high. It needs many years to recover the cost.
I bought saving plan and Unit Trust through IFA. I also bought Unit Trust from Bank directly. (But still not experience enough)
In my opinion, if you want to make monthly saving, it is a long term investment. A long term investment can buy Global market equity/balance fund.....no need to switch to other market frenquently. Then you can buy directly through Fund House/Bank. Good thing is stable, bad thing is lower return.
If you want to include different market/region/sector fund, it is better to buy monthly saving plan through IFA.
1. If you buy through fund house with monthly saving plan, you need to switch to different market/region when the situation change. There may be switching fee and can only switch inside the same fund house.
2. IFA has many different saving plan, normally each saving plan has lots of funds to choose and no switching fee.
3. However, it all depends on the IFA's experience how to choose funds and when to switch funds. The market change fast, the choice of funds need to be changed fast too. You have to choose an IFA who is responsible and able to change the funds for you.
Finally, meet more IFAsand talk to them in order to choose saving plan. Good luck. 
我將這事告訴你們,是叫你們在我裡面有平安.在世上你們有苦難,但你們可以放心,我已經勝了世界. (約16:33)Born 3.02kg/1m 4.52kg/2m 6.06kg/3m10d 7.19kg/4m25d 8.38kg/6m 8.79kg/7m 9kg/8m 9.6kg/10m3w 10.2kg/12m 10.2kg/13m 10.8kg/16m 11.2kg
發表於 
返回列表
