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Baby Kingdom - 親子王國香港討論區 › 首頁 › 家庭理財› 宏利派息基金

家庭理財今日: 17|主題: 46283

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樓主: Jessie688

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積分: 1760

61^#

發表於 17-6-14 11:38 |只看該作者

SS0303 發表於 17-6-14 11:33
Yes, I did not read thru the details.
I belief there is no such thing as free lunch, but find it ha ...

If he know what exactly happen, potential risk and decide it is worth to buy, no need to stop him.
If he does not know the detail, explain to him and let him make the decision himself. If stop him as you believe the risk and reward is not justified, he will be very upset when the fund perform...

At the end of the day, diversification is key of thumb of investment. So he should not heavily invest in it even he is happy about the risk and reward of it.

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cwng3

大宅

積分: 1760

62^#

發表於 17-6-14 11:58 |只看該作者

virginbaby 發表於 17-6-14 11:36
回覆 cwng3 的帖子

曾經聽過朋友講呢啲每月派息基金,不過回報就無咁多, 可能2-3%, 咁呢類基金又點睇? 我都 ...

When you buy fund, you will be shown the fund factsheet.
In factsheet, you can check few things:
(1) morning star rating. More star means higher rating
(2) investment objective. It define the mandate of the fund manager like what they can buy, % of allocation of various region and asset class. Like it may say invest 100% in HK equity mkt etc.
(3) Top existing holding. you can see what exactly the fund hold. If it is bond fund, it maybe corporate bond, preference share etc. You can check few of thing to see if you like it.
(4) Historical performance. You can see the net asset value and the dividend paid per unit of fund. If you see the nav per unit dropping consistently, you should know what happen. Either the bond not performance or dividend is paid out from the asset it hold.
(5) Charge: like redemption, inception, annual management fee

I would like to remark that the performance in the chat is before fee adjustment most of the case. So you may ask the agent to confirm it.

For the sale of mutual fund, it is bit tricky. You do not know what price it can sell. The idea behind is the fund manager need time to sell the holding (under your fund unit) in order to give you the money. So it normally takes few days and the price will be confirmed only when you are paid.
Thats the point i do not like most as i cannot be sure the price that i can sell my unit.

Also, bond market can be become illiquid during extreme market. Eg: DB coco can crash from 100 to below 80 in few days last year due to some news. And sometimes there is no bid in the market. At that point of time, the fund house may not allow the redemption. So you cannot liquidate your fund unit.

Hope it can give you a rough picture.

Also, it s just something coming from my memory. If anything is wrong or too brief, please feel free to comment and discuss.

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siu_chicks

禁止訪問

積分: 437

63^#

發表於 17-6-14 15:15 |只看該作者

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SS0303

珍珠宮

積分: 43036

64^#

發表於 17-6-14 18:57 |只看該作者

siu_chicks 發表於 17-6-14 15:15
Please let your mom or brother read these 2 articles, 一個係財經雜誌的高級記者，一位係理大持續教育 ...

謝謝分享

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cityd01342118d

洋房

積分: 67

65^#

發表於 17-6-14 21:24 |只看該作者

回覆樓主

有10里都唔到出面做啦，銀行加大户要曬。

下圖可以參考下咁多年嘅資產按年表現

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virginbaby

大宅

積分: 4007

66^#

發表於 17-6-14 23:11 |只看該作者

cwng3 發表於 17-6-14 11:58
When you buy fund, you will be shown the fund factsheet.
In factsheet, you can check few things:
(1) ...

唔該哂你咁花時間打咁多野。
因為唔在行或可以話唔識，都要花啲時間了解下。特別係睇過往回報，你叫agent比你睇，佢賣得比你，實係幾年都有正回報。自己睇，又唔太識。
其實回報低既每月派息基本，係咪多數穩陣啲，既保到本多?
有無話投資年期長啲先放會好啲?

已家咁睇，好似買藍籌股仲明買明賣啲，基本真係要好識先買得

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cwng3

大宅

積分: 1760

67^#

發表於 17-6-15 08:49 |只看該作者

mm.. we should not treat fund as a 洪水猛獸. It did has function long time ago (before ETF, globalisation). It allows small investor to invest in different asset class, asset in different region. Before internet it is not easy for people to access news on various market promptly. So it is hard for small investor to make investment decision.

Now there are many securities houses help us to access different market or we can invest different market via ETF. So I think traditional fund is already sunset industry that is going to be replaced by technology (just personal thought).

Anyway, back to your question. The agent must print the fund factsheet to you. The factsheet must be the fact but of coz the way they presented maybe biased. So you have to digest first before making any decision.

High return must have higher risk. Low return does not necessarily implies less risk.

If you do not have time to digest etc, i will suggest to buy tracker fund ETF which incur lower cost and the stock holding is reviewed regularly.

I got a feeling that the existing level is bit high. So it is better to buy it in monthly basis but not in one shot.

Also, diversification is the most important key for investment. You should keep some cash for your liquidity (3-6months monthly expense) and put some in "risk free" or low risk asset like fixed deposite. Also, I would suggest to save some foreign currency as well like EUR/GBP/CNH.

If you have more than one property, you can treat the extra properties as part of your portfolio which should be under your HKD asset. Then you may consider to invest in other market and avoid too concentrated in HK market.

Hope it is not too complicated.

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evip

公爵府

積分: 26856

虎到金來勳章 15週年勳章親子王國15週年勳章

68^#

發表於 17-6-15 15:15 |只看該作者

回覆 cwng3 的帖子

Thanks.
You suggest ETF, like 2800, or A50?

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cwng3

大宅

積分: 1760

69^#

發表於 17-6-15 18:45 |只看該作者

evip 發表於 17-6-15 15:15
回覆 cwng3 的帖子

Thanks.

Yes. And you can choose the index that u are comfortable to invest.

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uns

男爵府

積分: 6041

70^#

發表於 17-6-16 14:18 |只看該作者

Jessie688 發表於 17-3-7 08:45
宏利推出左一種派息基金：
每月派息, 年派10%

宏利基金，我唔建議，我月供宏利蝕了許多

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LittleCowCow201

禁止訪問

積分: 561

71^#

發表於 17-6-19 16:17 |只看該作者

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MayLL21

複式洋房

積分: 400

72^#

發表於 17-6-19 18:23 |只看該作者

基金好似都有唔同產品

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諗唔到

大宅

積分: 3366

畀面勳章

73^#

發表於 17-6-23 16:42 |只看該作者

Jessie688 發表於 17-3-7 08:45
宏利推出左一種派息基金：
每月派息, 年派10%

唔好買！
之前朋友agent 又係sell呢隻！
話咗唔買之後，仲要講大話呃我地兩公婆出嚟見面！
無非都係想sell呢隻垃圾！
千方百計諗埋d c 橋！

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Jessie688

子爵府

積分: 11308

親子王國15週年勳章

74^#

發表於 17-6-23 18:44 |只看該作者

諗唔到發表於 17-6-23 16:42
唔好買！
之前朋友agent 又係sell呢隻！
話咗唔買之後，仲要講大話呃我地兩公婆出嚟見面！

謝謝意見。我決定唔買，因為自己唔了解呢d基金嘅運作，亦唔認識個經紀，都係唔好博。我都好怕個新經紀呃我出去見，然後又sell乜sell物。

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mformic007

大宅

積分: 2234

75^#

發表於 17-6-23 20:39 |只看該作者

Jessie688 發表於 17-6-23 18:44
謝謝意見。我決定唔買，因為自己唔了解呢d基金嘅運作，亦唔認識個經紀，都係唔好博。我都好怕個新經紀呃我 ...

買煤氣仲穩陣
基金呃人多

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bbainex624

大宅

積分: 1189

76^#

發表於 17-6-23 22:45 |只看該作者

請問可以點買? PS 新手

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koala904

公爵府

積分: 25080

2024年龍年勳章

77^#

發表於 17-6-25 22:26 |只看該作者

回覆樓主:

website晤見有既

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大力大力

琥珀宮

積分: 189555

醒目開學勳章大廚勳章

78^#

發表於 18-2-11 07:20 |只看該作者

回覆樓主:

保險公司總把有自已投資的有問題產品，包裝成零售產品專賣給客人~

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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