Friday, September 28, 2007

六成藍籌漏氣

期指昨日結算,恒生指數收市見27,065點,埋單計數,今年首3季累積上升35.56%(即7,101點),總算不俗。至於國企股指數則累升60.97%,表現更突出。


在40隻藍籌股中,今年頭9個月跑出來的,就是港交所(388),原來累積上升了176%,堪稱藍籌股王,而奪得亞軍和季軍就是中國平安(2318)和中國移動(941),他們累積升幅也有152%和91.96%。當然有好必有差,跑輸恒指的就是富士康(2038),首三季累跌13.75%,令人失望,排尾二和尾三的,原來是中銀香港(2388)和中電控股(002),分別累積下挫7.58%及6.08%。其實跑輸大市的,即比恒指升幅還少的股份,再加埋下跌的股份,合共有23隻,佔恒指成分股近60%比重。


話雖第四季仍有機會力追,但踏入10月,心理上總有點凶險的感覺,因為87年10月19日,美國道瓊斯指數挫22.6%,即著名的「87股災」將踏入第20個年頭。當時波及其他發達國家的股市,形成一次全球性股市危機,當時亞洲股市中,港股和日股指數均重創逾10%,愁雲慘霧的氣氛可想而知。會否再現股災呢?禤中怡的確無水晶球,但若果人人有戒心,大市要造上可能不易,況且累升不少,調整實屬正常,最重要的是恐慌情緒不要演變成行動,屆時就可能真的變成股災了。


「免費」的生日禮物
銀行為了吸引新客開戶口,經常提供各類大小不同的迎新優惠,但當客人「到手」後,如何維繫甚至提升關係,又是另一門學問。禤中怡老友是多間銀行的尊貴客戶,臨近生日,他已收到各大銀行送給他的賀卡及禮物。先講賀卡,滙豐一句:特別日子,特別如您,唯有獻上最璀璨的生日禮遇,方可傳達我們對您的重視與祝福!感動嗎?附上的禮遇就來個大包圍,分別是選用指定服務就有超市禮券或保費折扣。另外,享用各大精選食府時獲得折扣及生日蛋糕。較特別的是惠顧面部護理或水療護理服務,兼送護手霜及玫瑰花卉水。恒生(011)就大打溫情牌,由客戶經理親筆寫上祝賀字句,當日更親身致電祝賀,約佢食飯,當然少不了送上大堆禮物,除了餐飲優惠,還有髮廊及香薰服務優惠。


老友話要享用以上許多優惠,都要消費才行,更不是樣樣適用,但總較有不少生意往來的銀行,卻連問候都無聲的要好。不過,老友覺得最實際還是渣打,給他一個Sweet birthday surprise(甜蜜生日驚喜),就是免費送他一個Cova蛋糕,憑券即取,無需任何附加條件!老友,世上豈有免費午餐!若果你不是他們的尊貴客戶,戶口有一定份量,服務就不一定有這麼周到,更可能要你行多幾間分行,慢慢排隊等啦!


(9月28日刊於《am730》)

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