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Sunday, 21 July 2013

信托基金,可以投资吗?Say YES to Mutual Fund?

其实,在没有办法中的办法,投资信托基金也是一个不错的选择。好过放在所谓无风险又稳赚的。。。(不多讲,自己想)。长期的平均回酬率要多过6%,不难。过去10年的记录里,很多信托基金都到达平均每年10%以上的回酬率。

投资信托基金,很多人都可以做。其实,又有多少人有真正投资的知识呢?买卖某个信托基金,要何如做决定?大部分人只是单单看过去的成绩。真的那么简单?坦白讲,没那么简单。运气和时机对,就可以那样做。不然,还是有风险。

投资信托基金,也必须下点功夫。做了功课,就懂得那个选择会达到比较有把握的效果。再配合一套的策略,就可以把回酬和风险找个平衡点。

曾经看过有人讲,如果信托基金只能多赚1-2%,又必须付销售费,情愿不去动被保护的资本,好过拿去买信托基金来“博”。其实,不要小看这1-2%。如果你会算,扣除销售费后,长期的效果可不小!

详情不方便公开讲解。有兴趣者,可以email我交流。

If you have limited choice to utilize certain capital, mutual fund investment indeed is a good investment, compared to just putting it aside for low risk and stable return way. In long term run, to get a return at above 6% should not be too difficult. According to the past 10 years records, there are many funds achieved CARG at above 10% .

A lot of people can invest in mutual fund. But, how many of them have a good knowledge in investment? What is the method to decide buy/sell a fund? Most of them are purely based on past performance result. Is that simple? To be frank, it should not be that way. If you have the luck and in right timing, I would say yes. Otherwise, you will be in risk.

Same as stock investment, homework must be done in order to invest in mutual fund. Once homework prepared, there will be an indication for us to know which fund can perform better in future. Beside, by equip a good strategy along, it will help to balance up the risk and return of fund investment.

Some people would say, if the return from mutual fund is just 1-2% higher, by considering it have to pay service charge, it is rather to just keep at shielded place. If you pay attention to do the calculation, also after consider the service charge, you will find that the different of the return is not small at all!

Not going to talk in details right here. If interested, pls email me for sharing.

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