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1^#

發表於 14-4-21 10:57 |只看該作者 |正序瀏覽 |打印

大力大力，知道你反對人亂買保險，但是bond,equity, balanced funds基金等投資基金又有啲乜嘢意見呀？非常感謝！

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35^#

發表於 14-4-28 09:34 |只看該作者

回覆：smith 的帖子

对layman普通人(like me)而言，買基金 = 賭博?

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34^#

發表於 14-4-27 15:58 |只看該作者

回覆：smith 的帖子

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33^#

發表於 14-4-26 12:42 |只看該作者

引用：Quote:ss8899+發表於+14-4-26+09:37+以前賣

原帖由 kptsui 於 14-04-26 發表
其實係保險＋銀行將Ｄ基金神化左。。。　攪到買基金＝買保險/有專家睇住。。。

基金經理looks like a robust from your view?

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32^#

發表於 14-4-26 10:23 |只看該作者

kptsui 發表於 14-4-26 10:14
其實係保險＋銀行將Ｄ基金神化左。。。　攪到買基金＝買保險/有專家睇住。。。

閣下.......................

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持股亦不時更改．

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31^#

發表於 14-4-26 10:14 |只看該作者

ss8899 發表於 14-4-26 09:37
以前賣基金果D人, 有D xx 你才經理 , 都糸掶 sell 唻

其實係保險＋銀行將Ｄ基金神化左。。。　攪到買基金＝買保險/有專家睇住。。。

香港外匯基金，上年回報得2.73%... 果Ｄ所謂專家，咪又係operator..

基金既本質其實無問題，佢只係集資，再投資指定資產...
值唔值得投資係投資者既責任，唔好蝕左就鬧基金經理無用，係自己買錯股入錯市... 一樣有人賺好多..　

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30^#

發表於 14-4-26 09:37 |只看該作者

kptsui 發表於 14-4-25 23:24
邊個同你講基金一定長缐投資.. ~~... 820 係股票基金咁高風險... 每年波幅成十幾廿個%...
"長缐投資" 只 ...

以前賣基金果D人, 有D xx 你才經理 , 都糸掶 sell 唻

基金既好處係可以投資多個市場 (全球股票, 債券, 商品) -->

個人持股/意見, 不涉任何邀請買賣，
持股亦不時更改．

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29^#

發表於 14-4-25 23:24 |只看該作者

ss8899 發表於 14-4-25 22:58
基金成日話咩長缐投資
5好咁短視

邊個同你講基金一定長缐投資.. ~~... 820 係股票基金咁高風險... 每年波幅成十幾廿個%...
"長缐投資" 只係當蝕錢時... 安慰自己既說話... 其實已經損失左時間值..

如果諗住長擺... 應該搵D 低至中等風險既投資... 如債券, 定期...

基金都有高中低風險, 唔係乜都可以鬥長命...
基金既好處係可以投資多個市場 (全球股票, 債券, 商品).. 唔會好似港股只買香港/大陸公司... 但佢並唔係賺錢機器.... 只係一種工具...

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28^#

發表於 14-4-25 22:58 |只看該作者

kptsui 發表於 14-4-25 22:47
投資唔好聽人sell... sales 講乜佢都係為左佣金...力不到不為財... 你買左股票同佢鬥長命都無用.. 0008.HK ...

基金成日話咩長缐投資
5好咁短視

現在又一一一一

又有多少個年尾色走呀,

個人持股/意見, 不涉任何邀請買賣，
持股亦不時更改．

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27^#

發表於 14-4-25 22:47 |只看該作者

ss8899 發表於 14-4-25 18:49
叫人買果陳就天下無敵

買左就有心無力

投資唔好聽人sell... sales 講乜佢都係為左佣金...力不到不為財... 你買左股票同佢鬥長命都無用.. 0008.HK 有幾多人中左招..
有風險既投資, 要識止賺止蝕... 如果自己都唔想理, 就唔好放係有風險既投資...

820.. 如果你睇番佢每年回報... 你09年頭買, 09年尾放有104% gain... 上證都係得75%..
基金並唔係幫你理財, 佢只係投資工具...

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26^#

發表於 14-4-25 22:33 |只看該作者

ss8899 發表於 14-4-25 18:49
叫人買果陳就天下無敵

買左就有心無力

哈哈多口一句揸主個XX CFA 銜頭投資A股用得著國內方式乎👐

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25^#

發表於 14-4-25 18:49 |只看該作者

本帖最後由 ss8899 於 14-4-25 19:05 編輯

kptsui 發表於 14-4-24 20:32
have you compared the performance of the same sector of the funds??

if u invest a China stock fund, ...

叫人買果陳就天下無敵

買左就有心無力

eg #820.

http://services.assetmanagement.hsbc.com.hk/site/media/pdf/factsheets/chinese/China_Dragon_C.pdf

以前开始買好多h股, 改左章程, 原來e十好多a股....... 哈哈

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24^#

發表於 14-4-25 16:40 |只看該作者

smith 發表於 14-4-25 13:19
回覆 kptsui 的帖子

The two funds my family bought in Standard Chartered Bank:-

For the two funds that you bought...
1. Barclays Investment Legends.... really bad fund... why keep so long time.. ~~
2. Lyxor Agriculture Fund - performance quite good compare to same sector..

I guess you invest in both funds just before the financial crisis. Fund 1 has 40% in commodity and fund 2 has 100% in commodity..
The commodity sector is poor for years after the crisis.

The fund charge (1-2%) is for the operating of the fund. Most people thought that fund manager are Investment Adviser, but they are not. They are only operators, who buy and sell the asset according to the fund documents.

The investment adviser is those in investment bank. They manage the asset for you and share your profit (like 30-50%). They can invest in any products and their charge is linked with their ability.

As we do not have an adviser, we need to review the investments ourselves and take appropriate actions. Fund is only a media for investment, similar to stock, bonds, fixed deposit. We should balance the portfolio and review periodically.

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23^#

發表於 14-4-25 13:19 |只看該作者

回覆 kptsui 的帖子

The two funds my family bought in Standard Chartered Bank:-
1. Barclays Investment Legends Fund
2. Lyxor Agriculture Fund

The fund managers still charge 1.5% from clients (including me) for his bad management fee - very funny /ridiculous! In business world, we talk about cost-effective, level of performance, flexibility and employee's ability. But, these fund managers with that ability can receive our money (management fee) for his underperformance. Using Donald Trump's scale, they should have been fired!

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22^#

發表於 14-4-24 21:46 |只看該作者

回覆：基金？

盈富基金呢？值得投資嗎？

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21^#

發表於 14-4-24 21:33 |只看該作者

回覆：ss8899 的帖子

Del. means what?

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20^#

發表於 14-4-24 20:32 |只看該作者

回覆：smith 的帖子

have you compared the performance of the same sector of the funds??

if u invest a China stock fund, you cannot complain that the performance is worse than the hk stock market... the fund manager cannot change the fund structure, they can only minimise the lost in down trend and maximise the gain in up trend...

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19^#

發表於 14-4-24 14:01 |只看該作者

本帖最後由 ss8899 於 14-4-24 14:16 編輯

smith 發表於 14-4-24 13:24
回覆 kptsui 的帖子

Fund managers are supposed to be a professional having expertise in managing the ...

del.

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18^#

發表於 14-4-24 13:24 |只看該作者

回覆 kptsui 的帖子

Fund managers are supposed to be a professional having expertise in managing the investment profolio reasonably well and capability in handing downturning market. But, many of them seem underperforming even compared to a layman like me.

My family bought two funds in Standard Chartered in year 2007/2008. Up to now, these two funds still record 20% lost. But, within the same period, my own investment in HK stock market has about +9% growth. So, you can imagine how well these fund managers have done their job!?

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