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世界上的事怕就怕认真二字。
* z) L6 N6 E5 f" V _9 X/ G- w; s- b收到Manulife GROUP RRSP 半年投资报告。3 v- a0 C) y2 g2 R: ` X
半年 : 5.8%: }+ S4 p5 |. t& f* q( b
1年 :18.9%
# h" a! `8 W& P从2006年初开始: 14.1%% ~/ O. z: r2 [; h: A7 i4 E- `
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看起来不错,对我这种不炒股的人应该可以满足, 比起存银行强了N倍。
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世界上的事怕就怕认真二字。经过edmonton房事的教训,加上近半年的投资理财学习。决定进行认真的分析。0 C. H `) `7 N% ^
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我们公司RRSP都投资在Manulife GROUP fund内。 我有过几次调整, 但都集中在以下几种fund:. n. |4 c) e' ^" y, U' \
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This table shows the historical annual compound total return of the Fund compared with the composite benchmark, as outlined in the Rate of return expectation below.
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Canadian Equity
/ F" ~! `- f/ U' Y( S+ d! X) W 1-year 2-year 3-year 5-year Since inception
, h, S2 Y3 m/ s8 K1 L3 ~' t& AMLI JF Canadian Equity 22.61% 17.57% 21.11% 17.20% 17.44% Oct 2001
/ O9 j/ Y/ a. e" I# g& qS&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% - L. g, q( |# n* H6 K, s+ f
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1-year 2-year 3-year 5-year Since inception " P, |0 G2 h! d- w
MLI McLean Budden Canadian Equity 28.87% 22.26% 19.54% - 22.26% Apr 2003; B) h2 e0 b7 z( h
S&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% - ' O ^4 X# v/ U) H+ o# `$ j1 @2 s
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; G* h. i, f6 Q2 P+ k5 P5 E2 f4 GAsset Allocation
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' c% e& I" U% V' w 1-year 2-year 3-year 5-year Since inception $ j: P. Y8 ^' j4 B1 y+ |
MLI Aggressive Asset Allocation 23.63% 18.58% 15.91% 13.86% 11.02% Feb 1999
# F6 j5 j6 m$ j. s4 A- tBlend: MLI Aggressive Asset Allocation 22.08% 19.11% 16.63% 13.85% -
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1-year 2-year 3-year 5-year Since inception * c0 `$ ], Q. R& @$ }
MLI Growth Asset Allocation 20.25% 15.34% 13.66% 12.00% 9.64% Feb 1999
* _2 @) q2 B, gBlend: MLI Growth Asset Allocation 18.42% 15.41% 13.83% 11.74% -
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看起来很美。 但前两种fund 的MER 分别是1.15 和1.2, 后两种是1.25
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再比较一下 index
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+ X% n0 b- \. v$ mFund Name 1 Mth 3 Mth 1 Yr 3 Yr 5 Yr 10 Yr
3 U' A; {! y& v+ k3 r4 {TD International Index - I -0.5 -2.1 19.8 11.7 8.1 3.6
# e( X' |- u; I5 U6 h, A8 P0 fTD International Index - e -0.4 -1.9 20.8 12.7 9.2 --- ! {% n$ ^8 N! l, X: `
TD European Index - I -0.6 -0.1 25.6 14.3 9.7 --- . ~9 Z! V( J4 }' S
TD European Index - e -0.5 0.1 26.1 14.8 10.2 --- ( O6 h: z8 @8 ^, M/ J- T- y0 v0 C) f
TD Dow Jones Industrial Avg Index - I -2.0 0.2 16.3 1.7 1.4 --- 1 E- U5 B% a6 x6 r
TD Dow Jones Industrial Avg Index - e -2.1 0.3 16.8 2.1 1.9 ---
8 c* ]- v8 H0 V$ zTD Canadian Index - I -0.9 6.1 21.9 19.1 15.7 9.3
% i6 ?& `9 ^. pTD Canadian Index - e -0.8 6.2 22.4 19.6 16.2 --- + q: i* h5 [' `: A0 V
TD Canadian Bond Index - I -0.3 -1.9 3.9 4.3 5.0 5.5 9 o+ K* T" o6 e7 ~
TD Canadian Bond Index - e -0.3 -1.9 4.3 4.7 5.4 --- : u5 h) _( r0 C# W
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Fund Name
/ a7 G( y& h0 e! {3 n! ]3 z(Click to select all) Morningstar Category RRSP Total Assets ($Mil) MER Legal Status
. v8 q4 L- c# a6 A8 s" L# @* I- X# pTD International Index - I International Equity Yes 499.7 1.41 T
; e- @8 e( A( q! [+ P" Y) h9 JTD International Index - e International Equity Yes 499.7 0.48 T
' c' f: ]* B* l0 U6 j. `TD European Index - I European Equity Yes 83.0 0.99 T
, w) e& C' M2 a% Z& OTD European Index - e European Equity Yes 83.0 0.48 T
, E- e/ X4 l/ n& t0 w( STD Dow Jones Industrial Avg Index - I US Equity Yes 46.6 0.88 T
4 l9 k2 x; d( [6 \+ }TD Dow Jones Industrial Avg Index - e US Equity Yes 46.6 0.31 T
3 s c3 M5 _) J) N- M1 XTD Canadian Index - I Canadian Equity Yes 869.6 0.88 T : l5 f# V+ ~$ }0 ~ [* R
TD Canadian Index - e Canadian Equity Yes 869.6 0.31 T
2 o7 M2 K5 D& s9 j! n7 dTD Canadian Bond Index - I Canadian Core Fixed Income Yes 703.3 0.91 T
) L+ }- G7 \! H) lTD Canadian Bond Index - e Canadian Core Fixed Income es 703.3 0.48 T
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那MLI JF Canadian Equity,MLI McLean Budden Canadian Equity 和TD Canadian Index - I,TD Canadian Index - e 比较一下,就会; f0 ^/ g0 y) o) S; _
发现 Mauulife fund 收益不但没有比过index, MER 约是index 的两倍。 买index 还可以完全不想事。
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结论: 即使是加入Group RRSP, MER已经比非GRoup 便宜,还是不如INDEX。不能简单的认为group RRSP 就划算了。适当时候,可以groupde6 i3 A1 }" p O
资金转到TD.! m8 }0 A' H' }; e, F% r( H3 K: l- n
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6 v- } q Q. i: ?' ]4 F请精打兄点评。不胜感激。。。 |
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