为什么投资单位信托?

Takumi

Takumi

Takumi

jj57

Takumi 谢谢你所提供的资料。对我们这些投资初手真的很有用。

Takumi

原帖由 jj57 于 6-12-2007 09:18 AM 发表
Takumi 谢谢你所提供的资料。对我们这些投资初手真的很有用。

不用客气。
大家多多指教。

共勉之

Takumi

http://mutualfunds.about.com/cs/mutualfunds101/a/sell.htm

The right time and reasons to say farewell to your mutual fund.


The media has no trouble telling you what funds to buy and when, but finding advice on when to cut a fund loose is much harder to come by. Sometimes parting with a mutual fund can be a difficult task. Other times it can be quite easy. More often than not, investors tend to sell their mutual fund holdings for the wrong reasons. So before you make a hasty decision, please read the following list of the correct reasons to sell a mutual fund investment:   

You Need the Money

Sometimes there will be circumstances in your life when you must sell your investments. It is important for you to weigh out alternatives to selling your investments because it could really hurt you in the long term (see "The Power of Compounding Interest"). You may be able to get a loan or borrow the money. If you can get a rate lower than your expected returns on your investment, it might be best to hold off on selling your investments.

Your Situation Has Changed

If you are at a different stage in your life, you may want to consider selling your fund. As you near retirement, you may want to consider more conservative funds. If you get married, you may need to compromise your risk tolerance and desired returns with that of your spouse.

The Fund Has Changed Its Style or Objective

It is important to consider your original reason for buying a fund. If you bought a small cap fund to help diversify your portfolio, but you notice that it is investing in large blue-chip companies, then you should consider selling that fund.

The Fund is Underperforming

This reason for selling, although valid in certain conditions, is where most investors make a mistake. When calculating performance don't look at too short of a period and don't compare apples to oranges.
It is important to base your decision on relative performance not absolute performance. When your fund is down 5% while other funds or the market in general are up 10%, it is very tempting to switch over to what is "hot." This is called "Chasing Performance" and is the best way to shoot yourself in the foot.  When studying relative performance, you look at your fund and compare it to its peers. If your fund is a utility fund, you should not be comparing it to the S&P 500. When choosing a benchmark, you must select funds in the same category (asset class). If your utility fund was down 2% and you found out that the average utility fund was down 4%, then this is not a good enough reason to sell it. It helps to compare your fund to its peers by looking at the 1-year, 3-year, and 5-year performance. If it has underperformed the average of its peers in all cases, then you have good reason to sell your fund.

The Fund Manager Has Changed

A simple change of fund managers, in itself, is not enough reason to sell a fund on a short-term basis. If it is a passively managed fund (index fund), then you have little to no reason to worry. If it is an actively managed fund, then you should keep on eye on the new manager. Give the new manager a few years before you decide to cut them off. Believe it or not, there are plenty of quality fund managers to replace your manager no matter how good he or she was.

The Fund Size Has Changed

Sometimes size does matter! One great example is a small cap fund. A small cap fund manager may be great at picking small company stocks and their success can often lead to their failure. Here is an example:
Fund Manager Joe is great at picking a portfolio of 30 small company stocks. His success brings a lot of attention to his fund in the media, resulting in a large increase in assets in his fund. The problem is that he now has such a large amount of money to dump into these small stocks that he may end up owning 10% of a particular stock, which leads to liquidity problems (because his fund becomes a major shareholder of the stock). To get around this problem, he has to hold more stocks. It was tough enough for him to pick 30 quality companies, but now he is forced to find 50 or 60.  

The Fund's Expense Ratio Rises

A small rise in an expense ratio is not a big deal, but when you see a significant rise you may want to consider selling the fund. In the case of bond funds or money market funds, it is highly unlikely that the fund can increase its returns enough to justify an increase in the fund's expenses. Remember, these expenses only subtract from your returns.

If you were considering selling your fund and the primary reason for selling it was not on the list, you may want to reconsider.

[ 本帖最后由 Takumi 于 30-12-2007 02:36 PM 编辑 ]

雁风

好久没有看到takumi出现了。
林先生好。。

masato

海外投资基金又如何呢？ 是否要到海外去才能投资呢？

Takumi

原帖由 雁风 于 31-12-2007 03:43 AM 发表
好久没有看到takumi出现了。
林先生好。。

呵呵！朋友。我不是姓林的。
还有我还是有常游览论坛的。

共勉之

Takumi

原帖由 masato 于 31-12-2007 10:58 AM 发表
海外投资基金又如何呢？ 是否要到海外去才能投资呢？

大众信托基金近2年推出了很多可以投资海外的基金。
阁下也是可以上大众信托的官方网页了解了解。

masato

我是否可以要求他们说我要投资海外基金呢？

基金小子

你可以找PM基金代理，告诉说你有兴趣投资海外基金，叫他介绍&解释给你听。。

雁风

原帖由 Takumi 于 1-1-2008 01:29 PM 发表


呵呵！朋友。我不是姓林的。
还有我还是有常游览论坛的。

共勉之

Takumi不是“林”的意思吗？

Takumi

原帖由 雁风 于 2-1-2008 10:35 PM 发表


Takumi不是“林”的意思吗？

Takumi日文的翻译是"拓海"的意思。
日本著名动画片－头文字D男主角的名字。

KaTak

很好的分享，对于新手是很好的基础认识
请问大大，我因该询问agency 好，还是自己跑bank 了解呢？哪个好啊？

leekk8

到银行去，银行职员未必有时间向你解释。最好你找一个代理向你解释，有什么疑问也能随时向代理查询。

投名狀

我認為最好找不同的公司的代理了解比較好，不過PM的代理通常會把傭金回扣給顧客，其他的就不會。

KaTak

本身是一位大专生 ，贷款ptptn求学，所以大部分的本身的经济来源就是这笔贷款和平是打工，但不定期。因为是借到full loan,所以扣除总学费后还会有剩下生活费。
以我这样的经济情况可以用100%的计算方式来定我因该投资多少在股票和债券的分布吗？
我清楚知道自己要一份长期的基金投资，但考虑到本身用的都是以后的负债，
所以想请问个大大我还适合高风险的投资马？

leekk8

如果你对投资不太熟悉，可以慢慢学习关于信托基金或股票投资。现在你是学生，应该会有时间学习的。

至于你问的投资分布问题，以你现在的年龄，的确可以承受风险，但是也需要考虑你毕业后能多快找到工作。如果你已经知道你毕业后要从事哪一行业，并可以很快的有收入，你可以投资50%在高风险的基金，50%在中等风险的基金。
如果你没有把握能短时间内找到工作，建议你把一半的多余钱存起来以备毕业后的开销，然后一半投资在中等风险的基金。

至于PTPTN的负债，不必太担心。我个人也是拿PTPTN的，现在只是还最低数额，因为利息才3%，基本上是利息最低的贷款。所以，我有多余钱都拿来投资，尽量赚取比3%高的回酬，这就没有问题了。

KaTak

哦哦。。。对哦。。我忘了考虑毕业后有多快找到工作来维持经济这一块
那么基金的投资是怎样付款的呢？我知道的只有定期定款。。还有呢？
对于什么保险投资的保单呢？这又是什么？