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世界上的事怕就怕认真二字。
( i2 k, L/ ^/ s9 | P7 z收到Manulife GROUP RRSP 半年投资报告。
+ i! i6 c8 p- G& n半年 : 5.8%
7 x/ u4 W2 e; u' E3 _% \. A- j1年 :18.9%+ B% [$ n+ o+ {1 l. `9 P& S
从2006年初开始: 14.1%
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& e! }3 |+ z, Q. G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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5 j s& \: r- q& o3 l5 E! y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。' d1 U7 g7 H4 y
! G# e# Q0 U: W4 I6 W( @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:
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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
7 f* F/ p7 {% L) p8 u5 {5 X 1-year 2-year 3-year 5-year Since inception ) B8 z) L( h: n) n
MLI JF Canadian Equity 22.61% 17.57% 21.11% 17.20% 17.44% Oct 2001+ \4 r- Q9 i. c
S&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% -
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1-year 2-year 3-year 5-year Since inception
3 p) N2 p% F2 G% \MLI McLean Budden Canadian Equity 28.87% 22.26% 19.54% - 22.26% Apr 2003
. y; ~/ g- |/ `S&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% - ) G9 ` G9 D0 F1 b6 ?" Q6 {' q
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# A; @! K- O) @! T' LAsset Allocation - G# S1 V( Z9 o" F @1 e
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1-year 2-year 3-year 5-year Since inception
' e* P$ p! f# O. cMLI Aggressive Asset Allocation 23.63% 18.58% 15.91% 13.86% 11.02% Feb 1999% {8 v8 B [* j( N' ?
Blend: MLI Aggressive Asset Allocation 22.08% 19.11% 16.63% 13.85% - . l9 k r& B$ a6 n
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. K4 b+ C( T a 1-year 2-year 3-year 5-year Since inception
- E2 |" v* C, n2 j" X$ w) a& MMLI Growth Asset Allocation 20.25% 15.34% 13.66% 12.00% 9.64% Feb 1999
+ T3 z2 |' D4 t, }( xBlend: MLI Growth Asset Allocation 18.42% 15.41% 13.83% 11.74% -
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, O) q4 o2 y" l9 q5 F% z; M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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Fund Name 1 Mth 3 Mth 1 Yr 3 Yr 5 Yr 10 Yr % V$ n" x8 f# f% g) m- J% J
TD International Index - I -0.5 -2.1 19.8 11.7 8.1 3.6 1 V1 V/ P+ q% H, }6 V$ H" c9 U0 K
TD International Index - e -0.4 -1.9 20.8 12.7 9.2 --- & f! E& K4 U" u$ E* p
TD European Index - I -0.6 -0.1 25.6 14.3 9.7 ---
; {/ K1 K% B+ S/ ^1 A. f+ F- rTD European Index - e -0.5 0.1 26.1 14.8 10.2 ---
3 I5 Y D7 \$ y3 {( w9 i+ rTD Dow Jones Industrial Avg Index - I -2.0 0.2 16.3 1.7 1.4 --- $ y+ g$ B8 k3 o0 N! `: i3 `
TD Dow Jones Industrial Avg Index - e -2.1 0.3 16.8 2.1 1.9 ---
: K$ m* Z& f! B# T( N% {TD Canadian Index - I -0.9 6.1 21.9 19.1 15.7 9.3
! p1 n' N+ k6 I c; ^TD Canadian Index - e -0.8 6.2 22.4 19.6 16.2 ---
7 `, q5 r/ r, I. w# \- XTD Canadian Bond Index - I -0.3 -1.9 3.9 4.3 5.0 5.5
& G: `9 W2 x" r1 K) l2 WTD Canadian Bond Index - e -0.3 -1.9 4.3 4.7 5.4 --- 7 g' O4 Q& P& h" J: {- I
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Fund Name4 b; ?2 ~4 R5 b; J7 G- c# V
(Click to select all) Morningstar Category RRSP Total Assets ($Mil) MER Legal Status : T# P* N' Q+ o3 i, u
TD International Index - I International Equity Yes 499.7 1.41 T 1 q$ {& [ P9 C8 k! X
TD International Index - e International Equity Yes 499.7 0.48 T " p K9 C7 y3 Q5 v5 S4 l9 y
TD European Index - I European Equity Yes 83.0 0.99 T 7 v" Q$ e7 k3 ^ W1 k
TD European Index - e European Equity Yes 83.0 0.48 T / R! ]- Q- H7 O" i* N3 Y
TD Dow Jones Industrial Avg Index - I US Equity Yes 46.6 0.88 T 3 T) C: l J+ R$ r' X
TD Dow Jones Industrial Avg Index - e US Equity Yes 46.6 0.31 T
' F2 B9 ~9 l! }) e F8 t: M/ [TD Canadian Index - I Canadian Equity Yes 869.6 0.88 T
2 w3 n/ r: d- ^2 _5 l# _$ O0 OTD Canadian Index - e Canadian Equity Yes 869.6 0.31 T / ]# o9 ~# w3 S' F4 ` j: i
TD Canadian Bond Index - I Canadian Core Fixed Income Yes 703.3 0.91 T - ~8 {1 ]3 b9 d* @
TD Canadian Bond Index - e Canadian Core Fixed Income es 703.3 0.48 T
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: a& A7 U7 k4 b+ E3 V; D/ U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1 A! m; ^# Q3 E" z! }8 r
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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* N5 Y& [1 q. k& a) M2 h6 I. \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groupde& D: X3 ~7 h4 a2 V$ x9 \% Q" B q5 T
资金转到TD.( H2 m- [) V- g: v5 l
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7 M; t$ y& I* s: D; g# O" v' N请精打兄点评。不胜感激。。。 |
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