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122^#

發表於 04-7-20 15:09 |只看該作者

Re: 好開心！我份基金賺左成2萬元！

2monsters 寫道:
我的基金分配：AIG Europe Fund 15%,Invesco GT Japan Enteprise Fund 20%, Vaule Partners"A" 30%,
HSBC Global Investment Funds - Indian Equity Fund
20%, AHL diversified Futures 15%。

1. Franklin Mutual European Fund 應比 AIG Europe Fund 好. 表現及波幅皆較優.

2. 股票 : 85%, 期貨: 15%. I think, it is better to change to : 60-70%, 期貨: 20-30%. IF your position is too high on Stock, market downtrend will hurt your portfolio.

3. Can I know how long is your plan ?

「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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123^#

發表於 04-7-20 15:24 |只看該作者

Re: 好開心！我份基金賺左成2萬元！

[quote]
傻妹寫道:
另外,請問AHL係咩?多謝.
[quote]

AHL 是一隻期貨基金(future fund), 往績不錯, 98年至今平均每年升14%. 與股市的上升下跌無關係, 獨立於股市走勢.
但問題是, 該基金的波幅頗大, 今年至今已下跌了約7%.

「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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124^#

發表於 04-7-24 19:31 |只看該作者

Re: 好開心！我份基金賺左成2萬元！

2monsters:
would you please also pm the details to me
diidima

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125^#

發表於 04-7-24 19:48 |只看該作者

Re: 好開心！我份基金賺左成2萬元！

checkwing mama:
thanks your info, i met your agent today, she explain all the thing i want to know,
but she told me not more 30% rebate about your plan la, only have 5 %and if choose Zurich, if choose 30years plan also have 30% , 20years have 20 % rebate ,but need to deposit 3 years , so i still consider which one ar
and she set the plan ,one have 5% profit and the other is 11% profit , is really have this profit?
how about your plan, last year have 11% ma?
she told me at least have 15-20%profit tim ar
anyone can also give me some advice ar, thanks

didima

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cheukwing媽咪

男爵府

積分: 6836

126^#

發表於 04-7-24 20:28 |只看該作者

Re: 好開心！我份基金賺左成2萬元！

didima
last year I have 10%profit in my plan, because my plan started on middle of yr.
for long inestment, sometime will get profit, sometime will be lose, so we must keep in long time saving.
I think deposit 3 years , not a very long time...

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積分: 156

127^#

發表於 04-7-24 20:57 |只看該作者

Re: 好開心！我份基金賺左成2萬元！

Hi didima,

I have a saving plan in "SPI" 3 years, I am lost around $10,000. (more than 5%). But, my friend have a saving plan in Zurich at 1-1/2 year. She get more than 40% profit (including 30% rebate). So, I have already contact Checkwing mama's agent, she also explain all the information to me.
The return is according what funds you choose. As I choose Zurich'Plan, the funds - HSBC Chinese, JF Pacific Security, HSBC Indian, Baring Eastern Europe, Famlington FIP Health. She said, this profile the average yearly return around 15%-20%
I think it can do !!! I HOPE SO ! She look like honest and responsibility. Becasue, I would like to stop my "SPI" plan, but she said if I stop the plan I will lost more than before. She said she will follow my old plan.

lovebaby :-P

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128^#

發表於 04-7-24 22:41 |只看該作者

Re: 好開心！我份基金賺左成2萬元！

checkwingmama:
your profit is good ar, and if i choose Zurich ,and choose 30years ,then i can have a 30% rebate, also have a holiday too, can leave two years and then need to deposit one year,but she recommand the friends company ar, she said friends the performance is better than Zurich, so i still consider ar,but zurich can not buy AHL ,so very headache to choose ar
lovelybaby:
yes, the agent is good and honest ,so i decided to buy from her,
your consultant is right, if you withdraw, it's need to pay the charge ka, if you join 25 years , but you only install2 or 3 three years, then need to pay lot of admin charge

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積分: 156

129^#

發表於 04-7-24 23:07 |只看該作者

Re: 好開心！我份基金賺左成2萬元！

didima,

Before I buy "SPI" the agent did not tell me about the charge clearly. Just said after two year I can take holiday and I can take out all my money back. But after meet Emily, she told me the charge clearly.
I also want to buy AHL, and want to get 30% rebate.
At the end, I choose Zurich, becasue 30% rebate is much attractive.

Thanks
lovebaby :-P

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130^#

發表於 04-7-24 23:10 |只看該作者

Re: 好開心！我份基金賺左成2萬元！

私人傳訊

積分: 3261

131^#

發表於 04-7-25 00:53 |只看該作者

Re: 好開心！我份基金賺左成2萬元！

didima 寫道:
checkwing mama:
thanks your info, i met your agent today, she explain all the thing i want to know,
but she told me not more 30% rebate about your plan la, only have 5 %and if choose Zurich, if choose 30years plan also have 30% , 20years have 20 % rebate ,but need to deposit 3 years , so i still consider which one ar

didima

Didima,

1. 30 yrs is not a short time, pls consider it carefully. Once you sign the contract, you need to do your promise for 30 yrs...

2. After U start the plan, you can stop in short time or you will lose most of the $ you have invested.

3. I don't know is it a question. You trust this agent and, however, if she quit the job after 2 yrs, who will help you in changing the portfolio ?! It is an unknown. He/she may say the company will take care.. however, ... if really no one follow, you can't stop the plan or you will lose $.

4. I think, this kind of plan is good, however, the no. of Year is better to choose 10-15yrs. And, the amount of $ should not be too large. I think, it is better use also Saving Plan direct thr. Fund hse as there is no limitation on when to redeem.(no penalty)!

「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

132^#

發表於 04-7-25 00:59 |只看該作者

Re: 好開心！我份基金賺左成2萬元！

didima 寫道:
and she set the plan ,one have 5% profit and the other is 11% profit , is really have this profit?
how about your plan, last year have 11% ma?
she told me at least have 15-20%profit tim ar
anyone can also give me some advice ar, thanks
didima

Remember ! 5% or 11% is just projection. No guarantee !! 不保證的! 很多人投資 Saving Planin 2000, 在 00, 01, 02 他們是輸錢的, 直到最近才打和, 最差的時候下跌逾3成!

Last year is special yr of World Market, Market up over 30% and asia market up over 60%. However, this may not happened again !?

Pls remember that, this is an investment, Have risk and prepare for lose $ while the world Market going down trend.

Advice you that, pls consult more friends before you make decision, it is a long long term commitment. Once you sign the contract, you can't change ...

「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

133^#

發表於 04-7-25 01:11 |只看該作者

Re: 好開心！我份基金賺左成2萬元！

lovebaby 寫道:
I have a saving plan in "SPI" 3 years, I am lost around $10,000. (more than 5%). But, my friend have a saving plan in Zurich at 1-1/2 year. She get more than 40% profit (including 30% rebate). So, I have already contact Checkwing mama's agent, she also explain all the information to me.
The return is according what funds you choose. As I choose Zurich'Plan, the funds - HSBC Chinese, JF Pacific Security, HSBC Indian, Baring Eastern Europe, Famlington FIP Health. She said, this profile the average yearly return around 15%-20%
I think it can do !!! I HOPE SO ! She look like honest and responsibility. Becasue, I would like to stop my "SPI" plan, but she said if I stop the plan I will lost more than before. She said she will follow my old plan.

lovebaby :-P

Lovebaby,

你輸錢是因為, 環球股市在,00, 01, 02 連續3年下趺, 每年趺幅也有10-15%, 3年可能跌了20%-30%! 所有 (大部份 Saving Plan 成立在99, 00, 01, 02 (4年)也有機會輸錢. 只有上年開始的投資者有很好的利潤. 但留意, 股市是可升可跌的. 有可能, 真的有可能 04, 05, 06 又連跌3年... 可能由現在開始買的又有數年的輸錢時間.

我想, 重點要留意的是, 若真的連跌3年..你(們)會點做 ? 好似樓市在1997見頂, .98, 99, 00, 01, 02, 03..連跌6年才稍為回升. 凡事也最好先作壞的打算.

問題是, 你(們)若一做就20年..30年, 你知道嗎, 頭3-4年停止供款的罰款可以接近你的所有供款..:cry: 所以, 真是要詳細想清楚.

>She get more than 40% profit (including 30% rebate).

她賺的只是"30% rebate", 基金只小賺10%. 其實, 你們要知道, 這不是真賺, 因為你跟本不能夠停供而將錢全數拿回. 另外, 若股市在今年下跌29% 或今明2年下跌15%, 她的投資也會轉蝕.

>She said, this profile the average yearly return around 15%-20%

留意, 這是沒有保證的 !
10年前我們買保險, 保險人一般也用8-9%年回報計..說過去5, 6年真的派出9%紅利. 但時至今日, 好的公司也只派出大約4%的紅利..

過去表現只供參考, 亞洲很多基金上年升了60-70%, 但亦有很多今年已下跌了10-20%. 有一隻很好的亞洲基金, 00 年跌幅是-36%, 01 年跌-8%, 02 年跌1%, 上年升81%, 今年至今又下跌了8%.

無人能估計市場, 你要留意, 當真的下跌, 你會點做 ? 問她們 ? 她可能只能答你, 市場整體下跌..沒辦法..及或.. ..

> Becasue, I would like to stop my "SPI" plan, but she said if I stop the plan I will lost more than before.

Yes, you may lost 'most' of your money. Lovebaby, just for your information, you are not satisfactory with your old 'spi' plan because lost $. Then, you hope to stop and start another one, with 'HOPE' that this new plan can earn $. However, if the market start to go down for 2 yrs from now.. you will lost $ again ! will you stop it again ? IF yes, you may lose , again almost all $ you invest.

小心選擇, 二手準備, 多聽意見, 明白股市的變化莫測, 也要知道 Saving plan的運作, 更加最好知道幫你們的人的投資經驗...

「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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134^#

發表於 04-7-25 01:16 |只看該作者

Re: 好開心！我份基金賺左成2萬元！

didima 寫道:

your consultant is right, if you withdraw, it's need to pay the charge ka, if you join 25 years , but you only install2 or 3 three years, then need to pay lot of admin charge

Yes, if you choose to join 25 or 30 yr, and market start to go down...

You feel sad and stop the plan after 2-3 yr, you may lost MOST of the money you invested.

So, I think it is better to :
1. 10-15 yrs. is better.
2. amount should not be so high.
3. Try also buy fund direct thr. fund hse. (can withdrawl any time).

「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: 156

135^#

發表於 04-7-25 13:26 |只看該作者

Re: 好開心！我份基金賺左成2萬元！

Ron38,

So, I believe Checkwing mama's agent, she insist me don't stop the "SPI" plan. She will help me to switch the other fund.
I did not understand why you said only save 10-15 yrs? For me, I'm 32, if I save 10 or 15 yrs is not enough for my family to retirement. So, my plan is 30 yrs. I understand the return is not guarantee (she never said guarantee) but this is fund is difference with insurance. I just save my 1/5 salary in this plan ($4,000). I think is not too high.
Thank for your information.

lovebaby

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積分: 4199

136^#

發表於 04-7-25 17:21 |只看該作者

Re: 好開心！我份基金賺左成2萬元！

lovebaby:
yes, i think 10-15years still can not enough ar, do you think Zurich or friends which one is good ar
,i want to save $5000 per month ,it's 5% of the salary,i think can afford , but my hugs said 30 years is too long , but i think if set 30years ,after finish have 10000000 ar(if the profit is 11
% per year) ,hope we both can be rich la

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積分: 4199

137^#

發表於 04-7-25 17:23 |只看該作者

Re: 好開心！我份基金賺左成2萬元！

Ron 38:
thanks your advice ar, i ask the agent she said it's direct buy from fund house ka
didima

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138^#

發表於 04-7-25 17:32 |只看該作者

Re: 好開心！我份基金賺左成2萬元！

Ron38:
would you have more suggestion ?
because actually the agent not my friend , but i think she is good and will care my money, she told me she has 2 years experience ar
lovebaby:
she told me the charge is $4000 per year ,i think it;s reasonable la
i also want to choose Zurich ,but can not by AHL ar,
so i still consider ar
:wink:

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積分: 156

139^#

發表於 04-7-25 19:36 |只看該作者

Re: 好開心！我份基金賺左成2萬元！

didima,

I have discuss with my hugs, because we would like to get the 30% rebate so we choose Zurich. I think friends and zurich are the good company. I just looking for my money growth. I think they are same.
yes, hope we both can be rich la

lovebaby

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