★【专题讨论】★津贴将至，大马人民到底何去何从？！ # 635

atoz

個人理財是指應用金融學原理，指導個人或家庭的財務決策，例如根據財務狀況建立合理的個人財務規劃、參與投資活動等等。包括：個人收支、資產、債務、稅務、保險等



[ 本帖最后由 atoz 于 20-9-2009 02:20 PM 编辑 ]

polis002

楼主都很不错，有帮我们免费做财务分析啊

投资理财

第三个部分是Age 46-60, 在这段年龄层里，你们已经走完人生的一大半了，有些人可能已经在享受生活，但是可能还是有些人没有达到财务独立的经济状态，为什么？（大家想想，自己是吗？ ）

           根据最新资料，在退休过后的100人当中，有95%还是为钱烦恼，4%的人到达财务独立，1%是富豪。Age 46-60其实应该可以享受IGA(Income generating Asset)为自己带来的passive income, 但是要记得，投资在保守和低风险的项目就可以了。而且，要为自己的RMP(Risk Management Portfolio)重新审核，看看是不是完全保障到自己。这点很重要，因为年龄大了，病痛自然会找上来。孩子也开始要上大学，要有资金，老婆跟自己一样开始老了，医药费也会增加！

大家可以这样问问自己：我是在这阶段吗？
                                      我到达财务独立的状态吗？
                                       如果还没有达到，你的计划是什么？
                                      你还是在负债当中？
                                       你的目前工作稳定吗？
                                       你现在的财务状况如何了？

如果在这阶段的人到达了财务独立，真的是恭喜，也记得教会自己的孩子如何投资理财，如果还没到达的朋友，别灰心，正所谓活到老，学到老，自己现在学会了，就可以教导自己的小孩如何理财了，或则帮自己的孩子规划。谢谢！！！

henrytan5001

夫妻 （年纪>50)

Salary 15000
　 　 Food 4000
　 　 Phone 200
　 　 Entertainment 200
　 　 Tax - business
　 　 Petrol 700
　 　


资产平衡表
Asset
Share 200k
ASW 100k
FD 800k
Saving/current a/c 200k
House 400k (current price-paid)
Landed property - 900k (plantation land)

Liability - null

Can retire now?

投资理财

原帖由 henrytan5001 于 21-9-2009 03:47 AM 发表
夫妻 （年纪>50)

Salary 15000
　 　 Food 4000
　 　 Phone 200
　 　 Entertainment 200
　 　 Tax - business
　 　 Petrol 700
　 　


资产平衡表
Asset
Share 200k
ASW 100k
FD 800k
Savin ...

好的，让我分析下，过几天会email你报告，谢谢

googlegood

大家都回kampong了吗？没什么人在cari

投资理财

真的很冷清了，马来新年，回家过年？hehe

新标

为什么会那些Case by Email? 那我们就看不到了呀  

投资理财

原帖由 新标 于 22-9-2009 11:53 AM 发表
为什么会那些Case by Email? 那我们就看不到了呀  

因为很私人的东西，但是你给我你的email,我帮你分析再send会给你，如果你与许，我就upload出来给大家看你的资料，ok?

polis002

我个人不是想post上来，虽然钱不多，哈哈

googlegood

楼主有blog了啊？不错不错，去支持下

投资理财

AS a result of the sharp stock market crashes in September and October last year, a lot of traditional unit trust funds suffered huge losses last year and early this year.
Even though the performance of those funds has recovered greatly over the past few months, the bad experience has caused some investors, especially those with low risk tolerance, to sell a big portion of their holdings as they felt very uncomfortable with the risks involved.
There are three main approaches in managing a portfolio, namely relative return, absolute return and total return approaches.
Most of the unit trust funds in the market use the relative return approach. Their key objective is to beat the stock market index.
For example, if we are buying normal equity unit trust funds, the key objective is to beat the benchmark index, FTSE Bursa Malaysia KL Composite Index (FBM KLCI).
As long as they are able to beat the FBM KLCI, they will claim that they have already outperformed the market.
For example, if the FBM KLCI plunged by 40% and their fund returns dropped by 30%, as their fund returns dipped less than the KLCI by 10% (40% - 30%), they would claim that their funds outperformed the market by 10% even though their funds still incurred a big loss of 30%.
Investors with low-risk tolerance level would feel very uncomfortable as they have suffered a loss of 30%! As a result, investors with high aversion to losses and fear about market uncertainties may prefer the absolute and total return approaches.
One of the key advantages of using these approaches is that they use cash return as the benchmark.
For example, they can use fixed deposit (FD) returns as the benchmark return. Given that FD cannot provide negative returns, fund managers using these approaches will have to generate positive returns to outperform the FD returns.
Normally, fund managers will set a target return above the cash return.

For example, they may set a target return of 5% above the 12-month FD return. If the 12-month FD return is 2.5%, they need to generate a return of 7.5% (5%+2.5%) each year.
Given that absolute and total return approaches do not need to benchmark against the stock market index, fund managers using these approaches will hold all cash whenever the market experiences big crashes whereas the relative return approach requires the funds to stay invested i.e. may be at least more than 50%.
This explains why traditional unit trust funds, which mainly uses the relative return approach, suffer big losses whenever the stock market crashes as they are required to keep investment at big percentages even though the stock market is heading south.
To them, the biggest risk is to underperform the benchmark index whereas the biggest risk faced by the absolute and total return approaches is losing the capital.
Apart from constantly looking for positive returns, the absolute and total return approaches may use derivative instruments to enhance their returns. They may buy futures to generate higher returns if they feel that the stock market sentiment is bullish and the overall market is on the uptrend.
Besides, they can adopt any investment strategy and invest in any asset classes or any markets to generate positive returns.
Hence, investors may invest in various types of assets, including some alternative investments like exchange-traded funds, commodities and properties or different overseas markets, like the United States, Hong Kong or Singapore.
As a result, the funds’ performance will have low correlation to the overall market movements.
The main difference between the absolute return and total return approaches is that the former may borrow money to invest whereas the latter does not allow gearing.
Besides, for those countries that allow short-selling, the absolute return approach may sell short the market.
Nevertheless, the key risk faced by both approaches is that they may underperform the overall market during a bull market.
Given that they do not have to benchmark to the stock market index, they may be under-invested during a bull market.
As a result, their returns will be lower compared with those traditional unit trusts that adopt the relative return approach.
In short, investors need to understand that investing funds using either the absolute and total return approaches or relative return approach involve risks.
Investors need to understand their own risk tolerance levels before investing in funds using the absolute and total return approaches because they may be investing in some investment instruments that they are not familiar with.
                                                                                                                         摘自予 “ The Star”

投资理财

原帖由 投资理财 于 24-9-2009 10:00 AM 发表
AS a result of the sharp stock market crashes in September and October last year, a lot of traditional unit trust funds suffered huge losses last year and early this year.
Even though the performance ...

为什么你的unit trust投资总是满足不了你的理想回酬？
如题，为什么你的unit trust投资总是满足不了你的理想回酬？再看看上面的一篇文章，摘自予“The Star”, 平时我们的普通的unit trust都是把投资者的钱集中在一起，然后拿去投资股票市场，但是如果你稍有些股票知识，其实你倒不如自己拿钱去买股票更好，不用给那5%基金管理费（多数我会这样建议我的客户），为何要把这些钱拿去买普通的Unit trust ? 上面的文章有提到，有些unit trust是和stock index 比较，比stock index输的少，就叫outperform?有点太。。。，到底我们要怎样做才可以确保我们的钱可以投资在正确的基金管道上？

其实，对你们而言，你们觉得把钱放在哪一些些有价值的alternativeinvestment 才可以得到理想的投资回抽以现今的经济状况？
大家快快来讨论，迟点我也会提供些个人意见

kelvid

原帖由 投资理财 于 24-9-2009 10:01 AM 发表


为什么你的unit trust投资总是满足不了你的理想回酬？
如题，为什么你的unit trust投资总是满足不了你的理想回酬？再看看上面的一篇文章，摘自予“The Star”, 平时我们的普通的unit trust都是把投资者的钱集中 ...

谢谢楼主开了那么好的贴，我一直都很喜欢投资理财方面的事物。以后可以分享分享。

leo85

原帖由 kelvid 于 24-9-2009 11:13 AM 发表


谢谢楼主开了那么好的贴，我一直都很喜欢投资理财方面的事物。以后可以分享分享。

从这个帖，可以学到蛮多投资资讯，不错不错，楼主继续努力。

leo85

原帖由 投资理财 于 24-9-2009 10:01 AM 发表


为什么你的unit trust投资总是满足不了你的理想回酬？
如题，为什么你的unit trust投资总是满足不了你的理想回酬？再看看上面的一篇文章，摘自予“The Star”, 平时我们的普通的unit trust都是把投资者的钱集中 ...

我的情况就是这样，应该怎么办？

投资理财

大家都不想讨论下吗？   其实我从你们身上也是学到很多东西

googlegood

我之前都是投资在基金和股票市场，没有人guide,自己买卖，很费神，又要分析，有要学，很累，所以最后还是找人帮忙，可能就给fund manager投资，就不会费时，只是回酬就.......

kkgan

原帖由 googlegood 于 24-9-2009 08:08 PM 发表
我之前都是投资在基金和股票市场，没有人guide,自己买卖，很费神，又要分析，有要学，很累，所以最后还是找人帮忙，可能就给fund manager投资，就不会费时，只是回酬就.......

请问他们的回酬如何？
比你投资的好吗？

googlegood

原帖由 kkgan 于 25-9-2009 02:22 AM 发表


请问他们的回酬如何？
比你投资的好吗？

之前自己投资，累，然后再找基金还是输，最后我去meet楼主，做一次财务分析，我才发现为什么我的投资回酬不理想！！！