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世界上的事怕就怕认真二字。
( B) J: S* N7 i" u( d2 @) t收到Manulife GROUP RRSP 半年投资报告。
# o" M4 L" s. ^/ E半年 : 5.8%7 m: J9 W4 w) V7 f! s+ J) _/ m
1年 :18.9%, u* G' K \) p$ M
从2006年初开始: 14.1%
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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。+ {" {2 Z: f$ g$ O6 N+ R9 F# ]$ o
- T- e3 q/ ~) ]/ v" g f( x& `7 Q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./ i0 z) g! R% |8 s. n! N: D9 x
& ^: S9 m! p# BCanadian Equity% h6 Q( e( e. t5 y: @5 J b1 i
1-year 2-year 3-year 5-year Since inception
/ Y2 O9 _7 i) y0 C, ?MLI JF Canadian Equity 22.61% 17.57% 21.11% 17.20% 17.44% Oct 2001# h' j" G4 i) g1 [, T0 _& \% b
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 0 g3 L5 h1 R: G
MLI McLean Budden Canadian Equity 28.87% 22.26% 19.54% - 22.26% Apr 2003( a2 e" O6 N7 a: r
S&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% -
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Asset Allocation
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1-year 2-year 3-year 5-year Since inception
& d; Y. q8 Y L7 qMLI Aggressive Asset Allocation 23.63% 18.58% 15.91% 13.86% 11.02% Feb 1999( b+ {: H3 K0 A8 T# X. `7 ~
Blend: 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 0 X0 f/ d6 J; a( W
MLI Growth Asset Allocation 20.25% 15.34% 13.66% 12.00% 9.64% Feb 1999
5 \4 A) ?$ U, v, ]Blend: 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1.251 r9 z/ m0 P7 T& t
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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
4 X- o+ ?3 H1 \: Q6 o4 q* MTD International Index - I -0.5 -2.1 19.8 11.7 8.1 3.6
$ ^, X& f2 k0 u/ M& J. \TD International Index - e -0.4 -1.9 20.8 12.7 9.2 --- $ J/ ^; ~7 i1 L$ \
TD European Index - I -0.6 -0.1 25.6 14.3 9.7 --- ) | l4 X0 L* s( T* m
TD European Index - e -0.5 0.1 26.1 14.8 10.2 ---
7 c& C- s. I/ `TD Dow Jones Industrial Avg Index - I -2.0 0.2 16.3 1.7 1.4 ---
. P: l+ T* x; _& H6 }% \0 k" x; @TD Dow Jones Industrial Avg Index - e -2.1 0.3 16.8 2.1 1.9 --- ! [) k( O9 y" P; D+ R+ Y: U0 c
TD Canadian Index - I -0.9 6.1 21.9 19.1 15.7 9.3 ! ^/ u# u2 K+ F1 \5 b) d- l
TD Canadian Index - e -0.8 6.2 22.4 19.6 16.2 --- * S( }& Q0 `' Y" O5 @
TD Canadian Bond Index - I -0.3 -1.9 3.9 4.3 5.0 5.5
; P/ {- K2 k7 ^" {' @TD Canadian Bond Index - e -0.3 -1.9 4.3 4.7 5.4 ---
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% ~8 t% p, i8 {Fund Name
. |, V: G- H8 y- H& B) E. T(Click to select all) Morningstar Category RRSP Total Assets ($Mil) MER Legal Status
f" l3 m" n1 q( N: R, ^+ VTD International Index - I International Equity Yes 499.7 1.41 T
9 n/ T. h9 {* LTD International Index - e International Equity Yes 499.7 0.48 T
8 O E4 @0 Z/ B+ Z. c t+ a2 mTD European Index - I European Equity Yes 83.0 0.99 T : i& C! U: e; V2 w8 C4 ^3 g* U1 q
TD European Index - e European Equity Yes 83.0 0.48 T 5 N' k. k% G* T
TD Dow Jones Industrial Avg Index - I US Equity Yes 46.6 0.88 T 5 s" P5 j& D1 D# x+ u
TD Dow Jones Industrial Avg Index - e US Equity Yes 46.6 0.31 T # u* ]. A9 Z0 X/ u9 B
TD Canadian Index - I Canadian Equity Yes 869.6 0.88 T \- T P5 j j# c( `4 k
TD Canadian Index - e Canadian Equity Yes 869.6 0.31 T `& m( C0 r3 `" u
TD Canadian Bond Index - I Canadian Core Fixed Income Yes 703.3 0.91 T
& o9 h8 g3 n! K' cTD Canadian Bond Index - e Canadian Core Fixed Income es 703.3 0.48 T
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那MLI JF Canadian Equity,MLI McLean Budden Canadian Equity 和TD Canadian Index - I,TD Canadian Index - e 比较一下,就会
* [5 | L4 `! z; Y* o6 p) O发现 Mauulife fund 收益不但没有比过index, MER 约是index 的两倍。 买index 还可以完全不想事。5 F4 s( p& A& u' S7 }, K
& n- [1 x7 W/ w0 u7 J {9 V结论: 即使是加入Group RRSP, MER已经比非GRoup 便宜,还是不如INDEX。不能简单的认为group RRSP 就划算了。适当时候,可以groupde, ^8 P$ n% @" k8 o& I
资金转到TD./ S! W* l) @& ~, R7 w
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请精打兄点评。不胜感激。。。 |
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