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發表於 17-7-26 14:52 |只看該作者 |倒序瀏覽 |打印

有無人都有買過? 保本, 一年後可以揀攞錢或者攞返黃金

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6w4d 0.8cm

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770217

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2025勳章 2025勳章蛇年勳章畀面勳章

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發表於 17-7-26 15:40 |只看該作者

回覆樓主:

金會

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Kayce533

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3^#

發表於 17-7-26 17:26 |只看該作者

770217 發表於 17-7-26 15:40
金會

金會唔可以拎黃金

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4^#

發表於 17-7-26 18:25 |只看該作者

唔係呀, 係向張氏金業買既, 有個fd係康宏做, 之前都有幫開佢買下少少野, 佢介紹俾我, 少少地, 買左幾萬蚊, 希望一年後金價升啦

6w4d 0.8cm

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天之驕子

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5^#

發表於 17-7-26 18:33 |只看該作者

yourmotherboard 發表於 17-7-26 18:25
唔係呀, 係向張氏金業買既, 有個fd係康宏做, 之前都有幫開佢買下少少野, 佢介紹俾我, 少少地, 買左幾萬蚊, ...

祝你好運

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purple_onion

水晶宮

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6^#

發表於 17-7-26 19:19 |只看該作者

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你鐘意咪得囉

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大力大力

象牙宮

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2025勳章 2025勳章蛇年勳章醒目開學勳章大廚勳章

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發表於 17-7-26 20:30 |只看該作者

yourmotherboard 發表於 17-7-26 18:25
唔係呀, 係向張氏金業買既, 有個fd係康宏做, 之前都有幫開佢買下少少野, 佢介紹俾我, 少少地, 買左幾萬蚊, ...

康宏係老千公司~

大力理財篇之子女理財！

http://www.baby-kingdom.com/forum.php?mod=viewthread&tid=3868590&extra=page%3D1
買基金真係好傷
http://www.baby-kingdom.com/forum.php?mod=viewthread&tid=3294843&extra=page%3D1

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大力大力

象牙宮

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2025勳章 2025勳章蛇年勳章醒目開學勳章大廚勳章

8^#

發表於 17-7-26 20:35 |只看該作者

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help!!有關康宏101...求高見!!!
http://www.baby-kingdom.com/forum.php?mod=viewthread&tid=13156248

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肥姑姐`

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9^#

發表於 17-7-26 23:49 |只看該作者

大力大力發表於 17-7-26 20:35
help!!有關康宏101...求高見!!!
http://www.baby-kingdom.com/forum.php?mod=viewthread&tid=13156248
...

大力，我無權限睇這個post，入面大約講咩呀？想知多啲騙徒技兩

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zita126

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發表於 17-7-27 01:57 |只看該作者

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大力大力

象牙宮

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2025勳章 2025勳章蛇年勳章醒目開學勳章大廚勳章

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發表於 17-7-27 09:00 |只看該作者

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cwng3

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12^#

發表於 17-7-27 09:10 |只看該作者

Few things coming from mind.
(1) Any default risk from the entity collect your money ? Any protection?
(2) What is the exact payoff? ie what is the meaning that you can choose between dollar and gold ? Any interest ?
(3) Normally, this kind of commodity / currency product offer an attractive yield from premium of put option that investor "shorted". Happy to explain more if wanted.

If above is not clear or you do not understand the risk and payoff, DO NOT BUY.

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siu_chicks

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發表於 17-7-27 11:01 |只看該作者

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14^#

發表於 17-7-27 11:29 |只看該作者

siu_chicks 發表於 17-7-27 11:01
我都有聽過...但因為先個月金價跌多升少，所以唔敢買，雖然只需要持有一年，就100%保本，但個人覺得個息小 ...

我買左, 不過我唔係黃金大好友, 只係見佢年期短, 又保本, 一年後如果黃金升幾多我就賺幾多, 如果黃金跌, 又保本唔會輸, 橫掂啲錢放係銀行擺下擺下又一年
同埋康宏跟我個經紀係自己人, 佢唔會俾啲危險野我既, 我老公都買左, 個死佬買得仲狼過我, 不過唔肯話我知佢買左幾多

6w4d 0.8cm

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15^#

發表於 17-7-27 11:41 |只看該作者

cwng3 發表於 17-7-27 09:10
Few things coming from mind.
(1) Any default risk from the entity collect your money ? Any protecti ...

1. 佢係張氏金業, 我初頭都唔係好識佢係乜黎, 之後上網睇, 原來都幾大架喎 any protection? 即係有無人保障? 無架, 雷曼兄弟都會執既話, 匯豐由120跌落去34, 都無人可以保障倒,
不過簽曬合同, 如果金跌就保本羅

2. 係喎, 多謝提醒, 我睇返份約, 揀攞金條既話, 要收手續費$5/克, 攞錢既話就唔洗收, 經紀都有講, 不過我唔記得左

3. yield即係咩? 係米即係年利率? 年息? 佢得2.75%仲要非保證, 算吧啦, 雞碎咁多
唔明咩係 put option that investor "shorted"

6w4d 0.8cm

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cwng3

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16^#

發表於 17-7-27 12:15 |只看該作者

yourmotherboard 發表於 17-7-27 11:41
1. 佢係張氏金業, 我初頭都唔係好識佢係乜黎, 之後上網睇, 原來都幾大架喎 any protection? 即係有無人 ...

MM.. so the example payoff will be:You give $100 today and they will return you $100 + max ( Gold future price - Gold spot price (now), 0) ?
What is your downsize? Only the charge of the gold transaction? It sound a bit "interesting" (if there is investment no downsize).

(1) Do not confused with mini-bond. The issue of mini-bond is investor did not know what they buy. In short, there are two types of mini bond (put it into simple way).
a. Bond issue by Lehman brother -> Risk is the investor lose money when Lehman default.
b. Credit link bond issued by other but the investor will lose money when LH default or issuer default.
==> So it is part of the "payoff" of the bond. The problem is investor did not understand or the sale did not explain (or even understand what they are selling).
Back to this gold product, you have to bear in mind that you will lose all the thing if this Cheung's company default. For bank, they are still regulated. But I am not sure this Cheung's company is regulated or not. That implies you may face a higher default risk. You have to price in this when you invest this product.

(3) you can ignore this as I misunderstand your product is gold linked deposit. (if the payoff is what I write above).

In short, we have to understand why the company can offer this to you before buying. Like this case, I do not understand why the company can offer you protection when the gold price drop ie you can get back your full investment if the gold price drop but you can gain if the gold price go up. (Unsymmetric payoff)

To me, I will not invest in it if I just know the info above. Maybe i am too conservative....

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