Tuesday, May 19, 2009

投資更要改國籍

早前曾提到投資界朋友到銀行買投資產品時,雖然是面對面辦手續,銀行職員還是要滿足最新冗長錄音的規定。由於擔心錄音過程有差錯,弄至飯碗不保,銀行職員唯有不惜請朋友事先綵排才正式錄音,銀行為了保障「客戶利益」,真是用心良苦!豈知情況變本加厲,或許大家帶點黑色幽默的心態看,會發現其中的樂趣。

朋友話,最近去一間大型銀行買基金,傳統也要簽署一份風險披露聲明及產品主要風險文件,證明投資者購買產品時,已清楚了解自己所買產品風險等,本來以為在文件底部大筆一揮便完成,怎料銀行職員拿出最新表格,要求客人接近逐點也要簽名作實方可,寥寥數頁,足足劃上十個八個簽名,真的簽到暈!朋友話,使唔使呀,結婚都係簽一個名就夠啦!咁搞法不如叫客人自己親手寫這份表格,兼交埋俾筆跡監證專家報告,好唔好?

好了,朋友又見大市近期風頭火勢,恒指大力抽上後,擔心回落,決將部分資金撥往相對較穩陣的債券,更選擇加碼買入一隻內地債券基金,主要投資國債,佔逾半比重,其他有公司債券、甚至可換股債券,平均到期孳息率雖為2.5厘,並非十分吸引,但保本功能十足,在現時市況下,不失為一個防守良策,兼且該基金投資的多為人民幣資產,可能享受人民幣升值機會,而入場費低,不用直接買人民幣般,受到每日在銀行只限買兩萬元人民幣的規定影響和無乜利息。

雖然是加碼投資,靜待取回文件副本之際,銀行職員話銀行電腦系統竟拒絕接納朋友購買有關債券基金的申請,因朋友的國籍是「CHINA」是也!據基金條款規定,因該基金主要利用QFII(合資格境外投資者機制)作投資,故內地投資者不能參與買該基金。這種做法並非新鮮,像有些投資印度基金便規定,印度甚至美國國籍人士不准投資有關印度基金一樣。

有趣的是,朋友於去年購買該基金時,在銀行電腦糸統中,國籍同樣是「CHINA」,但未見有這個問題出現,真要問十萬個為甚麽,或梅姐嗰句Why Why tell me why? 朋友大聲疾呼:「我徹頭徹尾就是中國人,passport都係咁寫,只欠未驗DNA」。銀行職員見到這種場面,十分尷尬,當然不想因為此障礙而失去生意機會,奈何公司政策也無法更改,幸好情急智生,竟叫朋友更改國籍!

當然不能變成美國、英國或法國籍,而是更改為「HONG KONG」,香港也!朋友笑說,一改即通,投資妥當,但想深入一點,有冇搞錯,豈不是變相鼓勵香港成為一個獨立政治實體般,脫離祖國的懷抱?他更話,為了賺取那小小的潛在回報,竟然做了政治不正確的事,還問:「會否被控犯了顛覆國家罪呢?」,說時有點憂心似的。禤中怡聽了,一時也無法反應過來,只希望銀行和監管機構了解清楚,避免叫投資者做這些「叛國」行為。

(5月19日刊於《am730》)

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