昨天同老友醫生K食飯，其間醫生K全程苦口苦面。記得早前有報道話因金融海嘯關係，好多市民由本來睇私家醫生轉為睇政府醫生。馬沙起初以為佢醫務所生意受到影響，所以心情唔多靚。誰不知醫生K話佢間醫務所生意不知幾咁好，呢排患上傷風感冒嘅病人幾乎多到睇都睇唔晒。馬沙當然打蛇隨棍上，問佢老哥既然醫務所生意咁好，何解仍愁眉苦臉。
嘩！點知醫生K話唔問就由自可，講起就把幾火。原來佢最近怒斬4份已供近10年的基金，損失非常慘重，仲話呢世都唔會再買基金咁話。醫生K話當年本住幫朋友，就幫襯朋友工作間基金公司。朋友教佢要分散風險，所以幫醫生K安排咗4份涉及唔同市場的基金，且一供就差不多近10年。
醫生K話近年收到的年結單，4份基金都顯示有錢賺。誰不知最近收到新一份年結單，一望之下心都實晒，4份基金通通蝕到入肉。即打電話俾朋友細問目前剩番幾多，朋友計一計答蝕咗近四成。醫生K話想全部贖回，點知朋友話佢啲基金要供至55歲退休，提早贖回要扣近一成作手續費。醫生K一怒之下，即全部贖回，最後埋單蝕近五成。
馬沙一向唔贊成啲朋友走去買基金，不論一次過供款及儲蓄成分供款的基金。原因係基金收費又高又複雜，基金資產本身透明度又極低，贖回時又要再蝕差價，贖回日又唔到你揀。若遇上操守欠奉的基金公司，隨時被屈機。
篇幅有限，下次續談。
(2009年3月19日刊於《am730》)
23 則留言:
what your friend bought should be some investment linked insurance products....
otherwise, the redemption fee should not be as much as 10%
normal investment funds only charge subscription fee, not redemption fee
我都有買這些 investment linked insurance. 現在賣又蝕好多,唔賣又要繼續供,但供了又真像馬沙兄講的泥牛入海...sigh...
>>馬沙一向唔贊成啲朋友走去買基金
咁強績金呢？基金並無停供、止蝕或贖回的機制(退休除外)
>>4份涉及唔同市場的基金，且一供就差不多近10年，損失非常慘重
強績金損失同樣非常慘重，白白蒸發了港人的財富，沒有保住供款者的退休生活。
100分同意，不要唔會基金由什麼什麼專業（極大部分計）基金經理操盆，大市上升就一齊升，跟大市跌落去仲跌得咁過自己做投資，還有諸多收費；還有投資顧問費用．．．，買易沽難。
筆者有經驗：
http://hongkonguide.blogspot.com/2007/12/blog-post.html
http://hongkonguide.blogspot.com/2007/12/blog-post_07.
fr. hongkonguide
就你果份「緊人供」嘅基金囉…
"what your friend bought should be some investment linked insurance products...."
看來是買了保險公司(或銀行)的某種月供或年供的投資基金 (即所謂101投連險) , 而且是條款非常『揦脷』的一種.
以本人所知, 不同保險公司提供的投資基金 (101投連險) 條款相差甚遠, 而同一保險公司的投資基金亦有很多種類, 部份擺明是搵投資者老襯的, 部份則較為公道.
關於後者, 可以舉例說, 某全球最大的歐資保險公司提供的一種產品只需月供或年供兩三年, 之後可以選擇續供或不再供款, 另外可以選擇在七年, 十年, 十多年, 或更長時間之後贖回而不必扣除手續費, 其間保險公司有若干回饋.
又係101基金, 我之前都寫左篇。
不敗的魔術師君:
閣下所舉例的101基金, 每年收取的保單管理費高達4%, 擺明是搵老襯.
據我所知, 某全球最大的歐資保險公司提供的101基金, 每年僅收取大約1 (或2, 本人記憶力有限, 不能確定) 點幾個百分比, 低於其他保險公司出售的基金產品, 遑論銀行出售的.
101 基金真係唔好買，手續費貴，提早贖回又要扣巨額手續費。
如果真係要買基金，選 direct fund 都千萬不要選 investment-linked insurance !
各間保險公司提供的101基金 (investment-linked insurance) 有極大的差別, 投資者若盲目信任保險經紀, 隨時會被誤導而買入搵老襯的, 某雜誌亦曾報道某大學財務學系教授亦上釣.
若懂得挑選, 小投資者向某保險公司購買101基金, 較向銀行買入基金便宜, 手續費會較低, 只不過資金要被鎖死十年八年以上. 此外, 101基金的保險內容微不足道, 可以不理.
基金都幾複雜吓，所以我的投只是外匯和實物嘢..
太平山下大把老襯,果真係千古不變既道理!
I should kill my insurance agent! (I am 醫生K)
除了盈富基金外，我對其他基金都興趣缺缺。
投資新興市場或股票指數可考慮基金，
但其他情況則不如自己選股
Ppl talk about this issue coz it is the time market goes down and everyone seems very easy to be touched by these kind of experience.. but think about that, when the time all investments are doing good, you seldom hear these kind of complains!! 輸打嬴要~
And not all companies, products, agents are doing the same practice.Pls be fair. You are "speaking" in public and so, mind your own words.
其實，四成算少架喇，我蝕七成。
Derek:
冇錯, 買左搵笨保險產品, 蝕四成算係少, 蝕七成都好common, 蝕到得番D渣都唔係奇事.
Only if you not listening clear those details... They are still investments and you should know there is a thing called "market", Doctor K redeme his things when the market goes down, that is the FACT. 0005 also goes down more than 40%. Funds doesn't mean you can close your eyes but u need to know how long you investing and the target growth like 10%. when it reach the target growth, there is something you need to do.(diff companies, or products hv diff choices. not all company charge you to step back to the parking fund, that is why u need to know what u buy, what your target, what's your choice etc.) Also, not 保險產品, even more complains from banks' products. You can find those cases from internet. Pls do some reserach before you speak.
"how long you investing and the target growth like 10%. when it reach the target growth, there is something you need to do."
I believe that you are CFP or agents.
10% growth is your target, how long?
you act as a speculator, pls show your result.
I sure you are a big loser.
It was just an example and diff ppl hv diff needs. Also, in this small box, that's all I can type. maybe i should write a letter to somewhere? My act is not a speculator. Show result? Do I need to do so? As ppl writing on paper can speak nothing, I think I have speak too much already.Hence, I believe as a person who write for media, mass communication, there is some responsibility, right?
And you pay the price for speaking without researh and responsibility, when you called me a big loser.
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