Monday, February 04, 2008

張開防護網

臨近農曆新年,禤中怡自然要找散戶朋友出來茶聚,算是來個團年宴吧!


儘管去年有不少斬獲,畢竟今年起步認真嚇死人,追貨不懂隨機走位的話,分分鐘被「綁」,何時翻身也未知。散戶朋友當然亦有損手,但他一拿出那份長長的股票單時,數一數手上投資組合,原來也有逾10隻股份,認真多元化,從資源股、小型酒店股、甚至是一些仙股也有,總之一句,「包羅萬有」,真不知他如何同時兼顧這麼多股份的價格上落。


再細看,原來散戶朋友手上持貨的市值,粗略加在一起,也超過百萬元,絕對不是一個小數目,因為全部都是流動資產,且只放在一籃子內。以投資工具而言,只是單一的港股,全部投資也是香港(交易所)這個地方,雖說部分投資的上市公司,其業務主要在內地,但風險實屬不小。


當然,去年獲利幅度驚人,資產膨脹速度簡直難以想像,幸好,散戶朋友一直居住的單位已「供斷」按揭貸款,加上施老闆話看好樓市,樓價有得升,起碼不用擔心層樓會跌價。不過,股市有升有跌,禤中怡仍然力勸朋友在新春來到之前,先注意二三事,免卻新一年陷入苦惱之中。


首先,應重新審視手上的「貨物」,因為籃子內的物件太多,要件件看清楚相當麻煩,所以應把一些陳年舊股,以及實在是無法看好的股份沽掉離場,省去看報價機睇該批股份價格的時間。誠然,持有一隻股份多年,總會「有感情」;況且曾經有低殘股變身成功,積壓多年的悶氣,終於能吐出來,成功由蝕轉賺的心情,興奮程度肯定非三言兩語所能形容。所以,恐怕要多費一點唇舌,才能改變投資態度。


另外,有證券行曾出現問題,如盜用客戶股票等。話雖有賠償制度,就是香港證券投資者賠償基金,奈何上限才15萬元,對比散戶朋友所持組合總值,只是佔10%多一點而已,可見萬一出事,隨時血本無歸。就算香港的監管機制行之有效,倘若能夠控制風險,為甚麼不自行先張開一個防護網呢?禤中怡最後提出,何不申請一個投資者戶口,即把實質擁有的股份存入中央結算及交收系統(CCASS)代為託管,可把手上一些持長線的股份,放進這個戶口內,以提高安全度之餘,又不會影響買賣。散戶朋友最關心的必是收費問題,因為小數怕長計嘛!


難得的是,散戶朋友往上環的辦事處開戶,那裡的服務員姐姐禮貌地解釋,令散戶朋友甚至用「好人到不得了」去形容。當知道收費非高,有些交易指示更只是每宗收幾蚊雞,而且放入去的,多是長線投資的股份,就更有保障,今回可安心度歲。


(2月5日刊於《am730》)

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