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世界上的事怕就怕认真二字。
) \* g: L9 R, {4 }; n E收到Manulife GROUP RRSP 半年投资报告。! U5 ]: u5 i, ?
半年 : 5.8%9 O3 c& ^/ u/ r# A2 [; ?6 K
1年 :18.9%
2 @) L: {" \# |& d从2006年初开始: 14.1%
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+ v3 e6 g7 H5 [6 d# r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。7 K8 i. L2 p/ a2 j% X
5 ?" ^9 m U u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。8 \! y0 i) ~1 \6 `5 {2 P
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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:5 V- s4 G# I: r( u5 b7 c
3 y" X/ t6 K1 Q3 z% Q( g' [* NThis 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 Equity5 L& w& r5 v" d
1-year 2-year 3-year 5-year Since inception . {+ c7 S! V6 d0 T- f( V/ l) t
MLI JF Canadian Equity 22.61% 17.57% 21.11% 17.20% 17.44% Oct 2001
0 D' I( ^* n; |S&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% - : X! Q1 z! i' d9 K+ X9 }4 l
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1-year 2-year 3-year 5-year Since inception / }. k, l' ^ W, Q8 a3 j
MLI McLean Budden Canadian Equity 28.87% 22.26% 19.54% - 22.26% Apr 2003
: M7 M4 O' B) f* H0 VS&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% - 5 H i" s1 U+ b
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- X/ P" X5 A2 ^1 m2 GAsset Allocation 1 ?7 b- A" W$ Y' Q
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1-year 2-year 3-year 5-year Since inception " i8 b A. f+ C3 m9 X
MLI Aggressive Asset Allocation 23.63% 18.58% 15.91% 13.86% 11.02% Feb 1999
- x; b- i3 U4 X; [: X% t+ OBlend: 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 ; S" F0 Y: D' B1 h4 W1 H9 C/ N
MLI Growth Asset Allocation 20.25% 15.34% 13.66% 12.00% 9.64% Feb 1999
& G% m9 W, b6 L4 jBlend: MLI Growth Asset Allocation 18.42% 15.41% 13.83% 11.74% -
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+ `) S; i+ {" ]& _0 ]/ Y/ P. u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
: e8 `, t8 r5 u2 I4 v" eTD International Index - I -0.5 -2.1 19.8 11.7 8.1 3.6
# k/ R+ _, [& l! x8 S" lTD International Index - e -0.4 -1.9 20.8 12.7 9.2 ---
7 U9 ]1 A7 R7 L1 k8 zTD European Index - I -0.6 -0.1 25.6 14.3 9.7 ---
# |* C- q3 _0 q0 L9 k! C" aTD European Index - e -0.5 0.1 26.1 14.8 10.2 ---
$ U6 s( s1 `8 U+ STD Dow Jones Industrial Avg Index - I -2.0 0.2 16.3 1.7 1.4 --- 7 J5 s. E* Z0 G+ |
TD Dow Jones Industrial Avg Index - e -2.1 0.3 16.8 2.1 1.9 --- $ g9 |" @8 T0 M' j% [5 I! {& j$ o
TD Canadian Index - I -0.9 6.1 21.9 19.1 15.7 9.3 ! G+ n; L% O# }' i6 G+ @ {
TD Canadian Index - e -0.8 6.2 22.4 19.6 16.2 ---
d0 R9 @9 r0 c2 ^$ ?; H2 ? wTD Canadian Bond Index - I -0.3 -1.9 3.9 4.3 5.0 5.5 , h( m' D4 |4 m" O% d- l# V8 A
TD Canadian Bond Index - e -0.3 -1.9 4.3 4.7 5.4 --- 1 E. E2 b% v) w! W
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a+ l5 ^& k' P* h- P9 B" g3 iFund Name
' P/ ^# G/ n0 y; m L(Click to select all) Morningstar Category RRSP Total Assets ($Mil) MER Legal Status
: S' Z4 O8 K* V$ o* ~TD International Index - I International Equity Yes 499.7 1.41 T 0 a7 b9 ]. c2 {
TD International Index - e International Equity Yes 499.7 0.48 T
3 F# P7 s7 { [TD European Index - I European Equity Yes 83.0 0.99 T
, }' j; A0 ~, [9 OTD European Index - e European Equity Yes 83.0 0.48 T ( ^' O" {' d* R3 K0 L! u
TD Dow Jones Industrial Avg Index - I US Equity Yes 46.6 0.88 T
+ _8 F4 Z( Z5 m; NTD Dow Jones Industrial Avg Index - e US Equity Yes 46.6 0.31 T . }3 d, S7 R! h0 Z/ `1 [& }2 M
TD Canadian Index - I Canadian Equity Yes 869.6 0.88 T
4 s o6 [/ w. V1 H: dTD Canadian Index - e Canadian Equity Yes 869.6 0.31 T : a* j; b# N) I: k2 b- w1 w+ s6 y
TD Canadian Bond Index - I Canadian Core Fixed Income Yes 703.3 0.91 T
9 e V/ Z, k! S: P2 }TD Canadian Bond Index - e Canadian Core Fixed Income es 703.3 0.48 T
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: A$ k9 u! [6 ~ M! \- v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
$ @0 V# w$ x8 n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。/ \9 G8 j8 q. Z
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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groupde- [; B% l/ H& i
资金转到TD.
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请精打兄点评。不胜感激。。。 |
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