Tuesday, February 26, 2008

不要懶理MPF

內地股市狂升狂跌,絕對是新興市場的表現。不知道內地企業是否見到有隱憂,所以急於在市場搶錢,然後保管起來,安全感多一點。傳聯通(762)的A股也要趁勢加入集資行列,實行搶700億元人民幣,若果連同中國石化(386)、平安保險(2318)和中鐵建(1186)等大大小小公司伸手,抽水金額分分鐘高達逾3,000億元人民幣,還有限制出售的股份也解凍,意味股份供應進一步增加,試問供過於求,結果如何不難想像。


內地股民又喊要政府干預,幫手救市,皆因監管當局批准公司抽水也,且看今回如何起死回生。
談到生死,禤中怡早前收到強積金(MPF)帳戶情況,該戶口是以前一份工作的強積金滾存5年後停供,變成保留帳戶狀況。這類舊有的強積金帳戶處理方法其實有3種,包括維持原狀、將舊帳戶的供款搬入新公司的強積金帳戶內,和另行揀一個強積金受託人管理,任君選擇。


禤中怡選擇維持現狀,貪其投資策略適合。望一望最底那個數字,原來直至去年底,儘管市況轉差,累積回報較供款總額亦已達近兩倍之高!對比股神、股仙,禤中怡並非甚麼投資高手,只知道短暫波動絕不為奇,惟投資年期非短,相信可承受得起,故早早採取積極投資策略,再配上過去兩三年股市表現不俗,才有此回報。當然,後市如何難作準確預測,但不能因怕跌而放棄長線增值的理念。


更重要的是,強積金既不可不供,就應該好好運用每月供款。不過,最近見到滙豐銀行有份調查報告,話2001年時,滙豐強積金每3個就有1個沒有提供投資指示,直至2006年,依然每4個就有1個放棄這種權利。要知道無投資指示的結果,就是強積金供款便會自動放入風險低的強積金基金內,如保本基金,最終回報自然較低。


可能對那份強積金嗤之以鼻,但若放入保本基金,強積金管理局統計2000至2005年的平均年度化回報僅0.86%,恐怕在今時今日,連通脹也跑輸,相信亦無人嫌錢腥,願意將血汗錢,放在連港元定期存款息也不如的投資組合。


大膽投資是否必賺?答案定必是不,基金統計機構理柏資料顯示,07年表現最差的強積金股票基金輸掉13.89%,但拉長來看,由02年至今累積5年計,總回報卻是84.47%!可見中長線投資威力,就是低潮時繼續入貨,高峰時享豐厚回報。若自己去投資,真有如此膽量嗎?


有銀行最近提供按承擔風險能力,調配強積金投資的服務,相信那些懶得處理強積金的朋友,不要再推搪話無時間、不清楚,甚至無興趣,索性當那份強積金輸掉算數,因為這是你應得的回報。所謂少壯不努力,老大徒傷悲,年輕時積極理財,日後收成定必可觀。


(2月26日刊於《am730》)

8 Comments:

At 9:36 AM, Blogger oakleyses said...

longchamp handbags, michael kors outlet, prada outlet, burberry outlet, prada handbags, oakley sunglasses cheap, jordan shoes, tory burch outlet, nike shoes, michael kors outlet, gucci outlet, louboutin outlet, longchamp outlet, kate spade handbags, air max, nike free, coach outlet store online, ray ban sunglasses, louboutin, kate spade outlet, michael kors outlet, true religion jeans, tiffany and co, coach purses, louis vuitton, tiffany and co, oakley sunglasses, louboutin, ray ban sunglasses, louis vuitton outlet stores, burberry outlet, michael kors outlet, louis vuitton outlet, michael kors outlet, coach outlet, louis vuitton handbags, longchamp handbags, polo ralph lauren outlet, chanel handbags, michael kors outlet, christian louboutin shoes, oakley sunglasses, true religion jeans, louis vuitton outlet, coach factory outlet, air max, polo ralph lauren outlet

 
At 9:52 AM, Blogger oakleyses said...

nike air max, sac louis vuitton, true religion outlet, abercrombie and fitch, sac louis vuitton, hollister, north face, nike free pas cher, sac longchamp, ray ban pas cher, air max, ray ban sunglasses, vanessa bruno, louis vuitton uk, mulberry, lululemon, sac guess, converse pas cher, michael kors, true religion outlet, michael kors, oakley pas cher, nike roshe run, polo lacoste, ralph lauren, sac burberry, nike free, michael kors pas cher, nike roshe, air max pas cher, louis vuitton, louboutin, nike tn, hogan outlet, air force, nike trainers, air jordan, longchamp, air max, polo ralph lauren, barbour, north face, hollister, timberland, nike blazer, sac hermes, vans pas cher, new balance pas cher

 
At 9:52 AM, Blogger oakleyses said...

ugg australia, canada goose jackets, soccer shoes, ferragamo shoes, celine handbags, canada goose outlet, uggs outlet, mcm handbags, lululemon outlet, p90x, wedding dresses, canada goose, marc jacobs, asics running shoes, birkin bag, instyler, soccer jerseys, giuseppe zanotti, jimmy choo outlet, rolex watches, new balance shoes, ghd, chi flat iron, nike roshe run, north face jackets, mont blanc, mac cosmetics, babyliss pro, reebok outlet, ugg boots, ugg boots, insanity workout, hollister, vans shoes, beats by dre, ugg, bottega veneta, north face outlet, valentino shoes, ugg pas cher, nfl jerseys, herve leger, canada goose, canada goose, longchamp, canada goose uk, nike huarache, abercrombie and fitch

 
At 10:00 AM, Blogger oakleyses said...

louboutin, moncler, montre homme, hollister clothing store, lancel, moncler, moncler, karen millen, vans, louis vuitton, parajumpers, moncler, juicy couture outlet, links of london, converse, air max, swarovski, supra shoes, thomas sabo, ray ban, pandora jewelry, converse shoes, oakley, canada goose, toms shoes, gucci, juicy couture outlet, pandora charms, pandora charms, swarovski crystal, moncler, rolex watches, coach outlet store online, wedding dresses, iphone 6 cases, moncler outlet, canada goose, moncler, air max, ralph lauren, baseball bats, ugg, timberland boots, hollister, hollister, ugg

 
At 11:28 AM, Blogger ninest123 Ninest said...

ninest123 11.11
iphone 5s cases, air max, insanity workout, iphone 6 plus cases, celine handbags, ghd, instyler, ralph lauren, iphone 6 cases, soccer shoes, vans, baseball bats, reebok outlet, air max, iphone 6s plus cases, asics running shoes, beats by dre, lululemon outlet, wedding dresses, babyliss pro, new balance shoes, converse, abercrombie and fitch, gucci, ipad cases, ray ban, s6 case, soccer jerseys, p90x, jimmy choo outlet, birkin bag, mont blanc, vans shoes, timberland boots, giuseppe zanotti, north face jackets, chi flat iron, oakley, iphone cases, ferragamo shoes, mcm handbags, north face outlet, mac cosmetics, herve leger, bottega veneta, nfl jerseys, abercrombie, nike roshe run, iphone 6s cases, louboutin, valentino shoes, hollister clothing store

 
At 11:35 AM, Blogger ninest123 Ninest said...

canada goose, doke gabbana, sac louis vuitton, marc jacobs, moncler outlet, sac lancel, toms shoes, ugg, louis vuitton uk, canada goose, links of london, thomas sabo, hollister, swarovski, pandora charms, canada goose jackets, pandora jewelry, converse shoes, pandora charms, moncler, barbour, rolex watches, canada goose outlet, moncler, michael kors handbags, moncler, ugg, louis vuitton, moncler, montre homme, karen millen, canada goose, pandora jewelry, sac louis vuitton, michael kors outlet, supra shoes, moncler, moncler, ugg pas cher, swarovski crystal, juicy couture outlet, moncler, canada goose, coach outlet store online, wedding dresses, ugg, canada goose, juicy couture, ugg boots, michael kors outlet online, louis vuitton, canada goose uk, barbour

 
At 11:40 AM, Blogger ninest123 Ninest said...

oakley sunglasses, louis vuitton outlet, burberry outlet, cheap uggs, louis vuitton outlet, longchamp handbags, michael kors outlet, michael kors outlet, jordan shoes, burberry outlet, ugg boots clearance, chanel handbags, louboutin outlet, michael kors outlet, polo ralph lauren outlet, christian louboutin, oakley sunglasses cheap, nike shoes, louis vuitton, air max, prada handbags, prada outlet, tiffany and co, air max, tiffany and co, ray ban sunglasses, ugg outlet, uggs, longchamp handbags, michael kors outlet online sale, ray ban sunglasses, replica watches, longchamp outlet, louis vuitton outlet stores, michael kors outlet, oakley sunglasses, cheap oakley sunglasses, uggs outlet, gucci outlet, polo ralph lauren, ray ban sunglasses, rolex watches, louis vuitton handbags, tory burch outlet, louboutin, louboutin shoes, nike free, oakley sunglasses, michael kors outlet

 
At 11:46 AM, Blogger ninest123 Ninest said...

nike air force, sac hermes, hogan outlet, michael kors, coach purses, nike trainers, nike roshe run pas cher, air max, ray ban sunglasses, air max, air jordan, coach factory outlet, vans pas cher, polo lacoste, michael kors uk, nike tn, ralph lauren, sac guess, sac burberry, polo ralph lauren, vanessa bruno, longchamp, mulberry, hollister, nike free pas cher, michael kors outlet, nike air max, nike roshe, north face, sac longchamp pas cher, hollister, air max pas cher, nike huaraches, true religion outlet, converse pas cher, ray ban pas cher, true religion jeans, timberland, nike free, new balance pas cher, oakley pas cher, coach outlet store online, longchamp, north face, true religion jeans, nike blazer, abercrombie and fitch, louboutin, michael kors pas cher, lululemon outlet online, true religion outlet
ninest123 11.11

 

Post a Comment

<< Home