Friday, June 01, 2007

投資陷阱處處有

這邊話跟內地股市有連繫,怎知美股卻又創新高,港股立即轉跟亞洲區股市齊造好,恒指急彈340點,更補回前日跌勢,而國企股指數更大升3.23%至10,739點,相信這個挾淡倉的悲壯場面,事前估到的投資者實在不多。藍籌股表現復甦,幾乎全線上升,而被內地股市拖累的國企股更全部向上,隨便買隻都有斬獲,當中又以中資金融股更是谷底回升,隻隻表現標青,中國財險(2328) 升3.43%,而平安保險(2318)一日更彈3.67%至45.25元,表現最差的中國工商銀行(1398)也微增0.74%至4.09元。


除了落場炒,或許大家會找投資顧問幫手理財,畢竟人家有牌照,都叫專業人士。不過,證監會發現這些持牌投資顧問仍存在一些缺失,如他們提供的投資意見未必適合相關客戶。


證監會舉例,一名退休人士表明其投資目標是保本,但其後「專業人士」卻將其投資組合轉為較高風險的基金(如能源基金),而投資顧問亦沒有就該轉變提供充分理據,其管理層更沒有就此事與客戶和有關職員作調查。市場在過去一年表現不俗,以保本為目標似乎有點保守,但如果違反客戶意願,落得虧損離場,著實不應該。


更甚的是,曾有一名年長人士被建議投資一個20年後才到期的投資計劃,每年供款額更佔了該客戶個人資產淨值相當大的比例。這兩件事件反映,儘管薑是愈老愈辣,奈何坐擁大筆資產,當然成為獵物之一。


該會又發現一名月入1.2萬元的客戶,資產淨值約8萬元,但竟被建議一次過投資12萬元於一個投資計劃,單是如何支付這筆款項已令人產生問號,日後如何維持足夠生活所需的流動現金,到現在亦搞不清楚。


此外,原來有投資者在投資前,願意簽署確認聲明或確認表格,表示他們的投資顧問並未向他們提供投資意見,而只是執行其買賣指示,即變相放棄自己的權利,未贏錢先投降,日後投資有何風吹草動,隨時無得追究。這些事件大家可能似曾相識,如果未有經歷過的,禤中怡真要恭喜!恭喜!但投資路途崎嶇,踏實始終有著數,急功近利可能換來一肚氣。


中港齊搶台灣人才
經濟好,甚麼行業都搶人,其中金融業求才若渴,近日發現原來香港和內地已默默地將招聘矛頭轉向同聲同氣的台灣市場。睇台灣報章,已羅列一堆名字,如在去年底,滙豐銀行交易部主管陳聖雄申請轉調至滙豐上海、荷銀交易部的王牌駱建樹也跳槽至滙豐上海了。


至於今年轉工潮未停,但台灣的人才今次則是轉來香港工作,如德意志銀行的范正明加入了香港雷曼兄弟、台新銀行申裕志跳槽香港美林,近期花旗交易部資深業務主管莊建發也將加入香港美林,而法國巴黎銀行交易部資歷逾20年的員工,與法國東方匯理銀行交易部資深員工,亦將陸續赴香港工作。


當地銀行界認為過去十年台灣發展企業銀行與消費金融業務最蓬勃,但培養的人才卻在過去兩、三年,陸續被香港及內地市場吸走。


為甚麼出現這種情況呢?報章指外資銀行的金融產品研發中心和亞洲總部多設在香港,台灣只被定位為區域(金融產品)行銷中心(regional desk),加上香港金融業發展蓬勃,單是外資銀行數目已比台灣多,而且有機會轉戰投資銀行,可以參與併購、私募基金等,發展空間自然較大,還未計年終花紅,分分鐘比在台灣工作高兩、三倍,這種誘惑怎抵擋呢?


(6月1日刊於《am730》)

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