吹水玩樂

時事理財

由家出發

媽媽天地

育兒教養

情報分享

意見反饋

聯絡管理員

我的中心

Baby Kingdom - 親子王國香港討論區 › 首頁 › 家庭理財› 我想問基金如果同銀行買同保險公司買有咩分別呀？ ...

家庭理財今日: 50|主題: 46839

收藏本版

發帖

返回列表

跳至頁

查看: 1973 | 回覆: 24

我想問基金如果同銀行買同保險公司買有咩分別呀？ [複製鏈接]

Elimme

禁止訪問

積分: 4074

1^#

發表於 07-8-8 01:37 |只看該作者 |正序瀏覽 |打印

提示: 作者被禁止或刪除內容自動屏蔽

0 0 0

私人傳訊

wangc

大宅

積分: 2285

25^#

發表於 07-8-31 10:54 |只看該作者

AIA

原文章由 頭痛人 於 07-8-15 22:06 發表
中介公司介紹"有年期限制既保險公司基金"比你, 咁同去保險公司買基金無分別, 一樣收費高回報低. 點解回報低, 因為佢地會有隠藏收費一般小市民係睇唔明架!

...

I am wangc ,are you remember me ?
I buy the AIA plan , now the money is total lose:-(

$57000 my first save money, because before that
i am -person.
because the monthly administration charge+no.of unpaid administration charge is more than my money
if I pay 3 year money ,i will take back 1 year money
so now i choice lose my 1 year money

私人傳訊

investor

別墅

積分: 625

24^#

發表於 07-8-16 23:50 |只看該作者

Another Must Visit web site:

http://www.hk.morningstar.com/DEFAULT.ASP?change_needed=EN

私人傳訊

investor

別墅

積分: 625

23^#

發表於 07-8-16 23:28 |只看該作者

原文章由 Elimme 於 07-8-16 21:35 發表
thank you for your suggestions. i learn more from your
reply:loveliness: 。maybe i would make a appointment with the
agent to have a free lesson

Another web site with good reference:

http://www.hkifa.org.hk/chi/educationalmt_ib_monthly.aspx

Enjoy your reading.

私人傳訊

Elimme

禁止訪問

積分: 4074

22^#

發表於 07-8-16 21:35 |只看該作者

提示: 作者被禁止或刪除內容自動屏蔽

私人傳訊

Elimme

禁止訪問

積分: 4074

21^#

發表於 07-8-16 21:33 |只看該作者

提示: 作者被禁止或刪除內容自動屏蔽

私人傳訊

littlefatc9

大宅

積分: 4170

20^#

發表於 07-8-16 19:35 |只看該作者

investor
聽君一席話,得益良多

私人傳訊

investor

別墅

積分: 625

19^#

發表於 07-8-16 18:40 |只看該作者

原文章由 Elimme 於 07-8-15 23:17 發表

What's your budget for investment ?----------我從未買過基金，又認識不太深，所以一定不會多，可能係入場費價錢啦，仲未肯定
Did you buy any stock ?------------------ yes, but 好少

thank you ...

I suggest you do some homework first.
Read some books on fund investments in your nearby book stores or check these web sites:

http://www.invested.hk/invested/html/TC/elibrary/elibrary_10_36.htm

http://www.standardcharteredmf.com/learningcenter/investinginmutualfunds.asp

http://vip.fundxy.com/tutorial/index.asp

http://fund.cnfol.com/1365/

After knowing the basics, you can ask more in-depth questions when you meet those fund consultants / salesmen.

If you have faith in China, now is a good time to buy
SELECTIVE leading H-share such as 2628, 857, 941 for long term investment. If you have limited budget, you can
consider monthly saving plan of these stocks through
banks.

There are pro's and con's of stock vs fund investment.
一言难尽. You have to go to various banks and read those free brochures / literatures / fund fact sheets.

Ask those bank staff more questions and get "free" learning lessons on the basics. If their attitudes and knowledge impress you, and the costs are acceptable to you, then invest a small % of your budget to try.

As you get more knowledged and more confident, you can decide where to put rest of your money. (i.e. you use a very small amount to learn from these salesmen, but you invest most of your money in less costly or more flexible forms of investments).