if i'm talking about a term of say 10 to 15 years, or even longer, say 20 years, what would be the possible portfolio, expecting the rate of return from 10 to 12 % ?
Hi mamafanfan :
如果投資時間是可以10年以上,咁就可以好簡單,我的見意係:
Invectec Global Stratgeic Value 25%
First State China Growth 30%
HSBC India 20%
Fidelity European Growth 25%
在這個組合中,最大比重是中國基金,因為我個人覺得,黎緊這10年,中國都會處於高增長的階段,但風險會相對其它新興市場細.所以比重放最高.而印度比重最低,雖然這市場都是一個高增長的新興市場,但相對地,波幅會比較大,而本身的經濟基本是初期,所以比重是最低.不過長線投資,是可以用時間減低風險,所以我會選擇,最後兩隻,環球and歐洲,最主要用來平衡組合中的波幅,而這兩隻的表現都是唔錯的.
Thank you to Stanley and Ron38 for your valuable advices.
Actually, the purpose of setting up the investment is for retirement use. Hence, one needs to diversify in different markets to minimise the risks.
btw, i have a mortgaged property on hand, do you think for long term, i should sell it or keep one for self use ? what is your view on property mkt in coming few years ?
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