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Baby Kingdom - 親子王國香港討論區 › 首頁 › 家庭理財› 月供基金係我既投資首選

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月供基金係我既投資首選 [複製鏈接]

12 3 4

GRCFAMILY

複式洋房

積分: 431

1^#

發表於 04-3-6 11:12 |只看該作者

月供基金係我既投資首選

我份人又無膽又騰雞﹐買左少少股票就成日擔心會蝕。我第1份基金當然係MPF啦﹗之後第2份係買比我個女﹐用黎將來讀書既﹐而第3份基金都係幫我個女買既﹐用佢D利是錢買既﹐由而家到15歲自己儲錢﹐我諗回報都幾可觀既﹐因時間越長﹐風險越少﹐成本就越低﹐所以我唔係好望個市升嫁﹐因為個市跌就可以買多D UNIT﹐到份單到期先望個市升啦﹗都唔知個CONCEPT ARM唔ARM﹐有無人可以話比我聽買基金會唔會蝕到本都無埋呢﹖

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nicolemummy

大宅

積分: 4439

2^#

發表於 04-3-6 18:04 |只看該作者

Re: 月供基金係我既投資首選

hi grcfamily,

因為我也打算寫一些關於基金的"野", 所以我會在下面link答你:

請按這裡: 有關基金

津小生及非牟利幼稚園園生的窮媽媽! ;)

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該用戶已被刪除

3^#

發表於 04-3-6 18:12 |只看該作者

Re: 月供基金係我既投資首選

提示: 作者被禁止或刪除內容自動屏蔽

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diana

大宅

積分: 1758

BK Milk勳章

4^#

發表於 04-3-7 11:19 |只看該作者

Re: 月供基金係我既投資首選

月供基金是不是向保險公司買呀，我間bank話無月供呀

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lui

大宅

積分: 4678

5^#

發表於 04-3-7 11:42 |只看該作者

Re: 月供基金係我既投資首選

當然不是只同insurance company 買. 大 bank 有, hsbc, citibank 一定有.

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ALAL

男爵府

積分: 6535

6^#

發表於 04-3-7 20:41 |只看該作者

Re: 月供基金係我既投資首選

may i know what is the charge in the bank for monthly subsription of funds. Are there lots of fund choice?

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lui

大宅

積分: 4678

7^#

發表於 04-3-7 22:42 |只看該作者

Re: 月供基金係我既投資首選

All the charges will be presented on the fact sheet of each funds. If you are interested, you may visit HSBC or Citibank website. You may search for different kinds of fund and may read their performance for reference.

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sara

大宅

積分: 2734

8^#

發表於 04-3-8 10:30 |只看該作者

Re: 月供基金係我既投資首選

我都覺得月供對於我呢d唔得閒成日望住個市既人來說真係好好多,不過我而家月供緊匯豐銀行,有息收而且我唔諗住短線拿出來用,所以佢升跌我都唔太理!假如樓市升唔太多,回報一定好過供樓!
月供基金唔係唔好,不過要睇下隻隻基金回報同玩法都唔同,有d我都唔太明白,股票起碼我有公司年報睇,見唔對路可以換碼,自己可以掌握到!

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Honey

公爵府

積分: 27715

9^#

發表於 04-3-8 10:55 |只看該作者

Re: 月供基金係我既投資首選

月供基金 is still depends on what fund house and what markets you are investing.

I invested in 月供基金 many years ago, the bank claimed that they monitor the markets and change the portfolio of the funds if necessary, but I lost 20k-30k on my portfolio, I had to cut lost.

Therefore, I suggest if you invest for long term 月供基金 and no time to check the price everyday, you can invest in some global funds that have both equities and bonds.

If you invest in single market, you still have to check the price and know the markets, otherwise when the market situation changes, you can still lose money that can not be covered.

Just my personal opinion.

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

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LongLongPaPa

民房

積分: 84

10^#

發表於 04-3-8 15:04 |只看該作者

Re: 月供基金係我既投資首選

Investing monthly is a way to adapt to your income stream. It is not a better or worst way of investing. Investing small amount into funds each month allows investor to invest even if small amount of "excess" money is available and still achieve certain degree of diversification.

If you have a million dollar and only invest $3000/mth thinking that you are "safe" then, really, you are underinvesting. Your money is not put to work probably.

On the other hand, if you have $10,000 "spare" cash generated each month, then you want to a 2 or 3,000 such that a good portion of your money is invested for long term.

I always say that lump sum or monthly savings are not "better" then each other. Which one to choose really depends on the investor's situation.

The good thing about investing in funds is long term, the bad things about it is that switching invovles extra charges. This is why I recommend you buy into some savings plan which offers 100 of funds and good number of free switching service each year. This way, you can invest small amount, and have large enough no. of funds to choose from and switch to. The important consideration is to have "large number of funds" avaialable and have your financial advisor to pick funds for you.

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wootaitai

禁止訪問

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11^#

發表於 04-3-8 15:06 |只看該作者

Re: 月供基金係我既投資首選

提示: 作者被禁止或刪除內容自動屏蔽

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莎朗

大宅

積分: 1917

12^#

發表於 04-3-8 17:04 |只看該作者

Re: 月供基金係我既投資首選

其實月供基金計劃已經成為大氣候.原因係每個月只須付出小額的資金,已經可以投資於一種或多種基金市場.旨在為大家於投資環境下帶來回報.

以現時的投資環境,一手hsbc的股票,須要約$6萬多.

本人之理財格言：「理財的目的不是要賺好多錢，只是令人明白如何最有效地運用自己所賺回來的財富，懂得賺錢之餘，又要聰明地用錢，或利用自己辛苦賺來的金賤來投資在正確且有高回報的項目上。」

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ALAL

男爵府

積分: 6535

13^#

發表於 04-3-9 01:07 |只看該作者

Re: 月供基金係我既投資首選

thank you for your sharing, honey. It's a warning to us potential investor.

bad point of saving plan:
If one subscribe saving plan, you have to log in for say, 5 years. If the fund you subscribe is of high risk, that means you have to switch more frequently. If the agent does not alert you to switch, then result is loss. Thus Honey is right that one should subscribe safer fund like balance fund that need not switch so frequently.

good point of saving plan.
I think even though one has a big sum of money to invest, a monthly subsciption of funds may still be preferable. Say, when the fund price is already at record high, if you put 1 million lump-sum into the fund, you will lose if the fund price does not raise any more. But if you subscibe monthly, you can get an average price.

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ALAL

男爵府

積分: 6535

14^#

發表於 04-3-9 01:24 |只看該作者

Re: 月供基金係我既投資首選

I have some information of the charge of a popular saving plan AIG. Kindly correctly me if there is any error. I have not actually join saving plan. Just read from brochure.

1. about 70 fund choice.
2.each month, US$6 charge.
3.no subsciption charge for fund, if plan is 10 yr or more, can have bonus of 1% of sum invest for 1st yr
4. for first 26 mths, each mth pay 0.25% of invested amount.
5. From 27mth up to 10th yr, pay 1.2% yearly of accumulated value.
6. After 10 yr, pay 0.6% yearly of accumulated value.
7. no switch charge for changing fund

I would like to know what is charge for saving plan in Bank?

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lui

大宅

積分: 4678

15^#

發表於 04-3-9 10:30 |只看該作者

Re: 月供基金係我既投資首選

Like HSBC, they offer some plans that not imposed charges. In return, they will offer you a certain rate of return, like 5.1% (after taking into account of inflation rate). These plan would be fit for those conservative investor.

For me, since buying funds is somehow a tool of short to medium term investment. You may withdraw the cash as easier as you can. I would on one hand buying funds and the other hand buying savings plan. Savings plan is somehow the retirement plan. You estimate when you would retire and the monthly exp you would use and the life you would be.

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262

洋房

積分: 322

16^#

發表於 04-3-10 09:10 |只看該作者

Re: 月供基金係我既投資首選

GRCFAMILY

基金唔會蝕到本都無埋.
基金是長線投資.
Return base on what risk you want
to take.

High Risk, High Return.
基本上最少1年可以有3%回報 (最安全) ,
最多可以100%.

你可自由組合你的投資, 可以月供又可有閑錢先買.

我有1個朋友賣基金,佢同講我如果每月買到$3000HK基金
到55 years old就可過悠閒退休生活.

如果你有興趣我可以PM佢電話給你

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GRCFAMILY