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高人指点一下 想问下public mutual 和fix deposit
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高人指点一下 想问下public mutual 和FD
我想拿15k出来放 fd 赚点利息 ,应该选择哪家银行啊?
虽然不是很多 但好过我放在银行saving吧?
public mutual 和 fd 那个 比较值得呢?
又是什么分别啊?
教我一下 T.T |
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发表于 6-8-2015 05:00 PM
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本帖最后由 Tan_Sony75 于 6-8-2015 05:19 PM 编辑
FD- 各银行年利率大概3%多,无收费,稳定,但需存满至少一个月才能享有利息,建议用maybank的e-fd,方便又快,网上就可马上买或赎回!其它则须亲自上银行拿cert.
PB Bond- 每年大概每年有4%以上,有些可高达5%!缺点是需给服务费1%(一次性,买的时候给)。如果放少过一年,则不划算,倒不如放fd.优点是利息以天数计算,不像fd。还有需注意,如果想卖,钱需大概几个工作日才到手。
PB Balance Fund- 有少少风险,不过比bond赚得多点,经济好时每年大概每年有6%以上(不过经济不好也会亏的,因为有mix股票和bond),缺点是需给服务费5.5%(一次性,买的时候给)。优点是利息以天数计算。如果想卖,钱同样需大概几个工作日才到手。
PB Equity- 风险和股市一样高,林林种种,就看你看好哪各区域或领域。如果眼光好,每年10%以上没问题!但如果选错了,同样能-10%。。。这个也需给服务费5.5%(一次性,买的时候给)。如果想卖,钱同样需大概几个工作日才到手。
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发表于 6-8-2015 11:32 PM
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几个要点……
千万要记住,买基金不一定要买大众信托!!!
不少公司的债券基金都没进场费的(0%)。
现在银行竞争大,好多都给到FD一年4%++了,自己去比较一下。
最后,千万千万不要在这个时候一次性把大笔资金全部买股票基金。不管代理说多好,都跟他说 No!
当然,如果你选择相信代理的话,go ahead。 |
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发表于 7-8-2015 12:40 AM
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发表于 7-8-2015 01:10 AM
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本帖最后由 tboontan 于 7-8-2015 01:15 AM 编辑
搜索以上那句,一系列的结果,其中一个
“It’s time in the market, not timing the
market” – Investing profitably over the
long-term
As we know, investment markets go up and down on a daily basis.
Logically the best time to buy
anything, be it a car, home, boat or shares is when the price is at its lowest.
Equally the most profit is
to be made by selling your investments at the peak of the market, when prices are at their highest.
However trying to accurately identify the low or high point of any market (referred to in investment
terms as “timing the markets”) is virtually impossible even for the most expert investors.
The majority of investors who try timing the markets in fact usually make less of a return on their
investment than those people who ‘get in and stay in’ for the long-term.
This is illustrated by the
graph which shows the impact of missing the best trading days (those with the largest increases) of
the Australian share market, using the (S&P/ASX 300 Accumulation Index).
If you had invested in the market from December 1998 to December 2013 you would have received
an annualised return of 9.02%. However if you had mis-timed the market, by buying and selling into
the market, and had missed the top 50 trading days over the same period the annualised return would
have been -2.65%. By being out of the market you miss out on the rallies that tend to follow market
falls.
Successful investors are not distracted by day-to-day market volatility; rather they understand the
overall trend is for investment markets to rise over time. They remain invested for the long-term,
ignoring market volatility in the short-term and resisting the temptation to try to time the markets.
For most people, the way to build wealth is slowly, over time.
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发表于 7-8-2015 01:21 AM
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另一个,
Attempting to time the markets can result in more emotional investing.
Market timers can be hard on themselves when they get the timing wrong and very excited when they get the timing just right.
This emotional investing can lead to mistakes and stress.
Rather than having the peace of mind that comes with a well-developed and implemented long term strategy, market timers are more likely to worry about their investments and the market in general as they constantly try to stay one step ahead. |
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发表于 7-8-2015 09:05 AM
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发表于 7-8-2015 11:25 AM
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如果拿不定主意,先放进fd,赚一点利息先也不迟! |
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发表于 8-8-2015 11:20 PM
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发表于 10-8-2015 10:35 PM
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很多人都讲买基金一定亏~基金骗钱~其实与其问人倒不如自己去看看数据。
以Public Mutual为例,
投资超过3年的基金现在有50个,annual return 超过4%的有44个,亏钱的有一个,平均回酬率8%。
基金跑输FD的可能性=6/50=12%。88%赚钱的人基本上都不会在论坛发表讲基金好。
当然如果你承担不起这12%亏钱的风险就放FD咯~
稳赚4%~ |
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发表于 10-8-2015 11:24 PM
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发表于 11-8-2015 12:42 AM
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大多数时候,信托基金的报告被忽视,
一个基金的盈利报告,包含着万千投资者的成绩,但是很多人还是忽视报告,而选择发问,看看一两个网友的意见,或者依
据一两个投资者的成绩做判断。
误判情势的机会真的很大
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发表于 11-8-2015 07:42 AM
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再把服务费和每年的管理费算了进去,看超过3年的基金还有多少个基金还有超过4%的annualised return?
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发表于 11-8-2015 05:01 PM
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很快定期存款利率就会上升。升息嘛。
这接下来两三年还是不碰基金为妙。
大牛市买基金还好。
现在,把钱存起来,综合指数下降到800点,
有排你慢慢选取优质股。 |
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楼主 |
发表于 15-8-2015 04:15 PM
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发表于 15-8-2015 09:54 PM
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发表于 18-8-2015 01:42 PM
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本帖最后由 kenty 于 18-8-2015 01:46 PM 编辑
先问自己会在多久后需要这笔钱,才决定投资工具。
一年内:放FD,基金不太适合短期投资。
一到两年:不能承受风险,还是放FD好。可承受风险就放基金,但不要一次过投入所有。先放一部分(eg 5k),其他的分成每个月定期投资。
两年后:放基金,同样的不要一次过投入所有。也可选择REIT 或一些高股息的蓝筹股。 |
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发表于 18-8-2015 01:53 PM
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两年定期定额投资信托基金...?rf:
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发表于 18-8-2015 04:59 PM
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看你的那笔钱有什么用途。别老是听人家怎么说?FD及基金是两个不同的投资工具,有一定的风险,所以能够做比较。 |
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