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501^#

發表於 06-6-8 12:02 |只看該作者

Re: 基金投資

vnice,

A = IFA (獨立理財顧問公司)
F = Fund House (例如 Templeton)

如因你在A的consultant離職，你可以搵另一間IFA的consultant幫你跟，大部份公司都不會收額外費用，但我不能確定是否所有公司都不收，我只可以說我們的公司就不會收。

如A公司結業，你仍可直接經F公司處理你的投資項目，因為A公司只是中介人，你的所有資產都是由F公司管理。你亦可以搵另外一間IFA幫你。

我們勞苦努力，正是為此，因我們的指望在乎永生的神。他是萬人的救主，更是信徒的救主。<提摩太前書 4:10>

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積分: 3261

502^#

發表於 06-6-8 12:16 |只看該作者

Re: 基金投資

>“A”到其他公司/銀行,可以嗎?

可以. 但要看的是, 其他公司/銀行有無代理所投資的基金. e.g. 可能你投資了 f 基金, 而你的銀行無代理 f 基金, 你便要找另一間了.

>有沒有額外費用?

一般也無的. 不過, 若你是以'代理人戶口'買, 你轉公司便可能要收費. 所以, 可以的話, 以自己名買會好些. ^-^

>另外,基金代理的穩健度對投資者有多重要?

um... 其實可以的話, 也找間大些會好些. 若只是說'穩健度', 則無什麼影響的. 可以的話, 也以'自己名'買, 不用'代理人'名買.

> 如”A”公司結業,我還可以透過基金代理繼續所投資的基金嗎?

可以.

>我投資的資產是由”A”還是”F”操控?

不是”A”還是”F”, 而是你自己. ^-^

Ron38

vnice 寫道:
想問一些基金操作上的問題, 如果我經基金代理 “A”公司買基金公司”F” 的funds, 如因種種原因(e.g.consultant 離職),需要轉換IFA “A”到其他公司/銀行,可以嗎? 有沒有額外費用? 另外,基金代理的穩健度對投資者有多重要? 如”A”公司結業,我還可以透過基金代理繼續所投資的基金嗎? 我投資的資產是由”A”還是”F”操控?[/quote]

「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

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ALAL

男爵府

積分: 6535

503^#

發表於 06-6-9 12:50 |只看該作者

Re: 基金投資

Have I bought some fund early (around Feb) this years. Now they are losing. Did I need to sell to ' stop loss', as in stock?

Investec global Strategic Value
Allianze Eastern
'Holland Bank" newly-developled countries bonds

thanks

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積分: 821

504^#

發表於 06-6-9 14:00 |只看該作者

Re: 基金投資

I would like to choose some more "safety" funds as capital shelter. Do you think Aberdeen Global Sovereign High Yield Bond is a good choice?

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積分: 282

505^#

發表於 06-6-9 14:44 |只看該作者

Re: 基金投資

For the last two funds, I think you mean
Allianz Oriental Income
ABN AMRO Global Emerging Markets Bond

These 3 funds are very good funds and you don't need to "stop loss". It's because funds are for long term investments, and they are not high risk funds. Also, the fund managers will adjust the stocks and bonds holding in the portfolios according to different market conditions.

ALAL 寫道:
Have I bought some fund early (around Feb) this years. Now they are losing. Did I need to sell to ' stop loss', as in stock?

Investec global Strategic Value
Allianze Eastern
'Holland Bank" newly-developled countries bonds

thanks

我們勞苦努力，正是為此，因我們的指望在乎永生的神。他是萬人的救主，更是信徒的救主。<提摩太前書 4:10>

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積分: 282

506^#

發表於 06-6-9 14:47 |只看該作者

Re: 基金投資

Aberdeen Global Sovereign High Yield Bond is okay but in the current market condition bond is not performing. I would suggest investing in some "fund of hedge funds". Their volatility is low and the return is more stable. They can generate positive return (on average it's around 8-12% p.a.) in both bull and bear markets. If you want more information about these funds, you may email me for details.

yungma 寫道:
I would like to choose some more "safety" funds as capital shelter. Do you think Aberdeen Global Sovereign High Yield Bond is a good choice?

我們勞苦努力，正是為此，因我們的指望在乎永生的神。他是萬人的救主，更是信徒的救主。<提摩太前書 4:10>

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積分: 3261

507^#

發表於 06-6-9 15:25 |只看該作者

Re: 基金投資

ALAL,

^^ 不用, 而且, 可考慮在這低位再趁平買入些.

留意, 你買的基金是區域基金, 是可以試下長線的. 而且, 個市真的不是如市場所說的'熊市'(個人認為), 所以, 不是沽..而是考慮趁低買.

不過, 也只是個人意見. ^-^

Ron38

ALAL 寫道:
Have I bought some fund early (around Feb) this years. Now they are losing. Did I need to sell to ' stop loss', as in stock?

Investec global Strategic Value
Allianze Eastern
'Holland Bank" newly-developled countries bonds

thanks

「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

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積分: 3261

508^#

發表於 06-6-9 15:30 |只看該作者

Re: 基金投資

haa... Yungma,

^^ IF market down, Aberdeen Global Sovereign High Yield Bond will down also.

So, I think, if have Money, Buy Future fund MAN AHL. if don't have $, um... 分段, 趁低買 Investec Global Strategic Value.

^^

Ron38

yungma 寫道:
I would like to choose some more "safety" funds as capital shelter. Do you think Aberdeen Global Sovereign High Yield Bond is a good choice?

「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

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積分: 821

509^#

發表於 06-6-9 22:57 |只看該作者

Re: 基金投資

Hi Ron38,

Actually, I have an investment links policy. Now I still gain from the following funds. However, it is much less when comparing to Apr balance. So I thought I better switch to more safety fund. This means I still put the money in my pocket. Do u agree?

My cur choice:
HSBC India
JF Korea
Merrill Lynch Mining A2

Btw, it is a right to buy Templeton BRIC (分段買)

Sorry for so many question.

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積分: 3261

510^#

發表於 06-6-9 23:31 |只看該作者

Re: 基金投資

Oh.. I c.

Um.. Need to see, whether the market is in '調整' Or '熊市'... 只是個人認為, 是 '調整'居多, 所以,... 不變應萬變啦.

你的組合太高風險了.... exp.. Korea, all down over 20% from High...

pm you my choice la.. ^^

Ron38

p.s 剛剛看到一篇不錯的環球股市下跌最新評論, 對基金投資方面幾有用.. 要的話Pm我留 E貓啦... ^^ 是真的幾好看的...

Ron38

yungma 寫道:
Hi Ron38,

Actually, I have an investment links policy. Now I still gain from the following funds. However, it is much less when comparing to Apr balance. So I thought I better switch to more safety fund. This means I still put the money in my pocket. Do u agree?

My cur choice:
HSBC India
JF Korea
Merrill Lynch Mining A2

Btw, it is a right to buy Templeton BRIC (分段買)

Sorry for so many question.

「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

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積分: 282

511^#

發表於 06-6-10 00:03 |只看該作者

Re: 基金投資

yungma,

In my opinion, as well as opinions from many analysts, the recent drawdown is just consolidation and not the beginning of the bear market. There is no need to be afraid, especially if you are investing for the long term and invest by regular savings to take advantage of dollar cost averaging.

Your portfolio is very high risk, and I would suggest you adding some less volatile funds to balance your portfolio, and also add a hedge fund (i.e. Man AHL Diversified Futures) to reduce the risk in down markets. If you can take medium risk, here is my suggestion:

Fidelity European Growth 20%
Allianz Oriental Income 20%
Templeton BRIC 20%
JF Korea 10%
Man AHL Diversified Futures 30%

yungma 寫道:
Actually, I have an investment links policy. Now I still gain from the following funds. However, it is much less when comparing to Apr balance. So I thought I better switch to more safety fund. This means I still put the money in my pocket. Do u agree?

My cur choice:
HSBC India
JF Korea
Merrill Lynch Mining A2

Btw, it is a right to buy Templeton BRIC (分段買)

我們勞苦努力，正是為此，因我們的指望在乎永生的神。他是萬人的救主，更是信徒的救主。<提摩太前書 4:10>

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積分: 821

512^#

發表於 06-6-10 08:59 |只看該作者

Re: 基金投資

Oneness, Ron38,

Thanks for yr advice. Let's me check whether yr suggestion can be selected on my plan.

But if really the beginning of the bear market, what should I do? You know this is 20 yrs plan. I may not able to draw the money easily.

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積分: 282

513^#

發表於 06-6-10 11:04 |只看該作者

Re: 基金投資

yungma,

I think your plan is from AIG, right? The funds I have suggested is from their fund list.

Even if it's the beginning of the bear market, you should not be afraid, because your plan is 20 years. Let me give you the worst case example in the history. In August 1929, Dow Jones Industual Average (US market) was at its peak of 380.33. And it went down to 60 on 1933. It needed 25 years to get back to 380. That meas if you invested in the US market by lump-sum in 1929, you need 25 years just to break-even. But if you invest in the US market on 1929 by monthly savings, you only need 5 years 3 months to break-even, and in the 7th year, you would get 55% return already. It's the beauty of dollar cost averaging.

yungma 寫道:
Oneness, Ron38,

Thanks for yr advice. Let's me check whether yr suggestion can be selected on my plan.

But if really the beginning of the bear market, what should I do? You know this is 20 yrs plan. I may not able to draw the money easily.

我們勞苦努力，正是為此，因我們的指望在乎永生的神。他是萬人的救主，更是信徒的救主。<提摩太前書 4:10>

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積分: 821

514^#

發表於 06-6-14 08:34 |只看該作者

Re: 基金投資

Oneness,

Right! It is AIG.

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totocat

民房

積分: 28

515^#

發表於 06-6-15 19:46 |只看該作者

Re: 基金投資

HI,Ron38:
我是投資新手,很多不明,看了幾日你的兩個TOPIC,才了解少少,你E-MIAL給我的七間無年期限制的公司裏，我看到富蘭克林同匯豐的首次認購費是US$1000,而其它則是HK1000-3000,而又有首次認購5%,我不明是怎樣收到的,月供同一次過買有些什麽不同,我想問買不同基金公司的基金想在一個組合裏,去基金公司還是銀行買呀,如果一筆過10邁銀買二支基金會不會風險太集中,另外再月供基金無年期限制的,send d 基金選擇我好嗎？仲有又便又穩妥的五間基金公司的名稱,簡單表現好的基金儲蓄（無年期限制的），望有空回複我。THANKS！我想長期收到你的分享,不知可以嗎？看你的分享真的可以學到很多,希望你的書可以快點出來,你肯花時間同人分享真的是太好人了.
E-MAIL:[email protected]

Ron38 寫道:
Privacy,

你不是收開我的投資小分享嗎? 其實最簡單的基金儲蓄就是直接去基金公司/基金代理買, 基金選擇多之外, 我喜歡建議人買'無年期限'的Saving plan, 原因很簡單, 又平又好.

^^ send d 基金選擇你啦.

P.s. 希望抽多d時間在此, 有問題可pm我問, 在基金界, 我已做了八年以上了. :lol: 什麼好, 什麼平, 什麼對投資者最好我也會清楚.

[quote]
privacy 寫道:
HI RON38:

你好呀,我都打算買基金,(每月供$1,000 - $1,500), 供比亞仔將來讀書, 但係吾知點揀, 又唔知應該同銀行買, 定係保險公司, 定係有其他選擇, 所以想要有關揀基金的資料,可否SEND一份給我, 請比d意見呀 ! 唔該 !ADDRESS:[email protected]
吾謝晒!

[/quote]

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