No single plan can bid the world always. To my opinion, all plans are good as long as you know the pros & cons.
However, there is winning elements that we have to consider. They are:-
1. What is your NET required average annual return (double digit return is common for long term investors)?
2. Calculate your acceptable risk level. (Low or high risk is meaningless. Risk is measured by standard deviation in statistical term)
3. How long will you invest?
4. How is your cash flow?
5. etc.
Then, we have to consider the MOST important factors - profile construction.
1. Which fund should be selcted? This depends on the future economic forecast. This is easy as long as you pay attention to the news.
2. Fund allocation (or asset allocation) is the key. A well allocated profolio ensure you to achieve your required return within your acceptable risk level. Pls refer to modern profiolio management for details.
讀大學時只學到D慨念和理論，到工作後，至有實戰經驗，從錯誤中學習，睇下書參考(Peter Lynch – One up on Wall Street，Benjamin Graham – Intelligent Investor，壹週刊– 東尼tony Messor，.etc)。其實方法好間單 : 長線投資，分散風險。
Please read the Vista principal brochure before you complete this form.
• Vista - The future looks good
• Vista - Greater expectations
• Vista - Technical factsheet
• Vista - Summary of fees and charges
• Investments - Your guide
• Mirror funds - Your guide
• Vista - Additional benefits
係「豐盛人生」－收費概覽介紹冊(Vista - Summary of fees and charges)， 就有提到收費-4同收費-5， 但係就好含糊亦冇講收幾多:
Fund charges
Zurich International Life collects a charge on the specific funds held within the savings plan. This charge
management charges reflects the cost of running each fund.
Please note that all funds will have their own charges applied to them; details and charges can be found
in the ‘Investments – Your guide’ and ‘Mirror funds – Your guide’ brochures.
Typically these charges range from 0.5% to 2.5% which are deducted before the calculation of the unit price.
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