tag:blogger.com,1999:blog-6729142433840719999.post2342458236207865623..comments2024-03-28T15:48:08.036+08:00Comments on 第一天投资理财日记: 探讨基金的投资费用迷思第一天http://www.blogger.com/profile/04606562688559885619noreply@blogger.comBlogger18125tag:blogger.com,1999:blog-6729142433840719999.post-45826089483855618822016-11-26T18:40:41.406+08:002016-11-26T18:40:41.406+08:00嗨你好,这个是当然的,基金里面也有股票买卖时产生的费用,但是其实你没留意到第三段关于费用的重点,就是...嗨你好,这个是当然的,基金里面也有股票买卖时产生的费用,但是其实你没留意到第三段关于费用的重点,就是无论股票和基金都有很多奇怪的费用,但是最重要的是,股票我不管你有什么费用最重要出来的eps是美的就好,而基金也一样不管你有什么费用,总之出来的效果还是7-13就好了,因为这些所谓的费用其实早已经涵盖了 ^_^<br /><br />I don't care what fee that including, as long as the eps is good enough.same with the mutual fund, I don't care what fee that including,as long as the final return is meet my requirements(7-13%)。because everything have been included in the very beginning :)第一天https://www.blogger.com/profile/04606562688559885619noreply@blogger.comtag:blogger.com,1999:blog-6729142433840719999.post-45390838060484483822016-11-26T17:58:15.297+08:002016-11-26T17:58:15.297+08:00Hi !
I think there might be some missing logic in...Hi ! <br />I think there might be some missing logic in your explanation in initial sales charge vs transaction cost...although after paying the sales charge ..we doesn't need to care about sales n purchase or the share..but the cost actually incur in the fund level when the fund managers doing the buy and sell of stocks under the fund...the cost incur being part of the yearly management fees which range from 1-2%...<br />Depending on the turn around ratio of that fund ....it cud be quite costly and huge in the long run..just my two cents..😀<br />Cheers. STEhttps://www.blogger.com/profile/03171270652249099828noreply@blogger.comtag:blogger.com,1999:blog-6729142433840719999.post-89152221400839045492016-11-23T17:04:33.344+08:002016-11-23T17:04:33.344+08:00哦哦,至于基金收费架构,这个就要追潮到很久很久以前设立时了,或许这个方法较让投资者接受?哦哦,至于基金收费架构,这个就要追潮到很久很久以前设立时了,或许这个方法较让投资者接受?第一天https://www.blogger.com/profile/04606562688559885619noreply@blogger.comtag:blogger.com,1999:blog-6729142433840719999.post-82197080575776285292016-11-23T17:03:05.794+08:002016-11-23T17:03:05.794+08:00哦哦,确实beta 理应等于 1 或很接近于 1才合理,不然就有问题了。哦哦,确实beta 理应等于 1 或很接近于 1才合理,不然就有问题了。第一天https://www.blogger.com/profile/04606562688559885619noreply@blogger.comtag:blogger.com,1999:blog-6729142433840719999.post-28869556435766581472016-11-23T11:51:05.959+08:002016-11-23T11:51:05.959+08:00ETF 是反映市场的走势的,beta 理应等于 1 或很接近于 1。如果大市跌,ETF 就跟着跌,如...ETF 是反映市场的走势的,beta 理应等于 1 或很接近于 1。如果大市跌,ETF 就跟着跌,如果大市起,ETF 就跟着起。<br /><br />国外很多 ETF,赚完大市的涨势顺便再赚马币汇率的跌势 :)<br /><br />Voyager8https://www.blogger.com/profile/09156670205944135447noreply@blogger.comtag:blogger.com,1999:blog-6729142433840719999.post-36229540395582974752016-11-23T03:00:28.547+08:002016-11-23T03:00:28.547+08:00Trustee fee is negligible? Actually for unit trust...Trustee fee is negligible? Actually for unit trust they can't avoid those cost too(clearance fee, gst, stamp duty) to buy and sell share, and already factor in the unit price, so we are directly and indirectly paying both fees. If the unit trust company are confident of their funds are good then they should adopt profit sharing method instead of charging admin fee regardless of fund performance :) <br />For future ETF should be the way to go, but sadly in malaysia we don't have much choice. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-6729142433840719999.post-23898868997964473802016-11-22T23:59:14.296+08:002016-11-22T23:59:14.296+08:00哦哦,其实我是不自在那个费用,大家要找吃,最重要是给了那个费用到底有没有得到相对的服务,还有回报率会...哦哦,其实我是不自在那个费用,大家要找吃,最重要是给了那个费用到底有没有得到相对的服务,还有回报率会如何,这些是重点。。第一天https://www.blogger.com/profile/04606562688559885619noreply@blogger.comtag:blogger.com,1999:blog-6729142433840719999.post-26754407746828256352016-11-22T23:58:28.635+08:002016-11-22T23:58:28.635+08:00哦哦,这个是当然的,一分耕耘一分收获嘛。。哦哦,这个是当然的,一分耕耘一分收获嘛。。第一天https://www.blogger.com/profile/04606562688559885619noreply@blogger.comtag:blogger.com,1999:blog-6729142433840719999.post-32208948211180528672016-11-22T23:27:06.405+08:002016-11-22T23:27:06.405+08:00跟这道理是一样的。从Benjamin Graham 的一本书来的。
The minimum ret...跟这道理是一样的。从Benjamin Graham 的一本书来的。<br /><br />The minimum return goes to our passive investor, who wants both safety and freedom from concern. The maximum return would be realized by the alert and enterprising investor who exercises maximum intelligence and skill.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-6729142433840719999.post-14862153509159617422016-11-22T16:06:10.175+08:002016-11-22T16:06:10.175+08:00now eunittrust got promo, some selected funds has ...now eunittrust got promo, some selected funds has 0% sales charges if purchase above RM5k, below 5k it's 1% sales charge ,promo until year end. <br /> cacatedhttps://www.blogger.com/profile/14864771919519594597noreply@blogger.comtag:blogger.com,1999:blog-6729142433840719999.post-10047458913898290642016-11-22T14:34:50.112+08:002016-11-22T14:34:50.112+08:00哦哦,如果本身有这方面的知识,这个确实不错。。哦哦,如果本身有这方面的知识,这个确实不错。。第一天https://www.blogger.com/profile/04606562688559885619noreply@blogger.comtag:blogger.com,1999:blog-6729142433840719999.post-20937953586492582122016-11-22T13:43:48.931+08:002016-11-22T13:43:48.931+08:00online fundsupermart & eunittrust max sales ch...online fundsupermart & eunittrust max sales charge is at 2% and sometime got promo can get lower sales charges. normally i use it to buy unit trust that invests in foreign country. most of the PRS funds is 0% or capped at 2% sales charge.cacatedhttps://www.blogger.com/profile/14864771919519594597noreply@blogger.comtag:blogger.com,1999:blog-6729142433840719999.post-68121504622064136672016-11-22T13:11:04.762+08:002016-11-22T13:11:04.762+08:00或许吧,但是既然有顾问就好好的运用人家的知识吧~。~或许吧,但是既然有顾问就好好的运用人家的知识吧~。~第一天https://www.blogger.com/profile/04606562688559885619noreply@blogger.comtag:blogger.com,1999:blog-6729142433840719999.post-48124312266361277192016-11-22T12:48:41.770+08:002016-11-22T12:48:41.770+08:00Online maybe more better~ylOnline maybe more better~ylAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-6729142433840719999.post-26288140807616777162016-11-22T09:40:02.292+08:002016-11-22T09:40:02.292+08:00哦哦,亏的就没什么投资意思了=。=
确实大马的基金费用是比较高,可能是香港比较开放的国家啦,我相信未...哦哦,亏的就没什么投资意思了=。=<br />确实大马的基金费用是比较高,可能是香港比较开放的国家啦,我相信未来陆陆续续的大马的费用也会开始调低的 ^_^<br /><br />补充一下,5.5已经包含gst了。。第一天https://www.blogger.com/profile/04606562688559885619noreply@blogger.comtag:blogger.com,1999:blog-6729142433840719999.post-66970962222004049922016-11-21T22:33:40.764+08:002016-11-21T22:33:40.764+08:00大马的ETF好多都亏的
其实大马的基金真的好贵,
香港才2%而已,这里收5.5% + GST
除非...大马的ETF好多都亏的<br /><br />其实大马的基金真的好贵,<br />香港才2%而已,这里收5.5% + GST<br />除非买 PRS,不然真的不划算Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-6729142433840719999.post-18754398751233164672016-11-21T13:58:55.560+08:002016-11-21T13:58:55.560+08:00哦哦,其实费用来说哦,只要资金是稍大的话,怎样也是买股票,或ETF比较好划算的,只是大马的EA其实是...哦哦,其实费用来说哦,只要资金是稍大的话,怎样也是买股票,或ETF比较好划算的,只是大马的EA其实是比较冷。。二如果小资本犹如几百块那些,ICAP或EA其实也没划算到。。<br /><br />不过我个人是认为啦,费用虽然重要,但是不是最主要的因素,反而应该考量哪一样的回酬率会比较有看头,这样不至于本末倒置~。~第一天https://www.blogger.com/profile/04606562688559885619noreply@blogger.comtag:blogger.com,1999:blog-6729142433840719999.post-66587871498778469962016-11-21T11:34:39.060+08:002016-11-21T11:34:39.060+08:00那如果要以股票的费用来买基金,是否可以买 ICAP?
那如果要费用最小化,被动最大化,也许可以考虑...那如果要以股票的费用来买基金,是否可以买 ICAP?<br /><br />那如果要费用最小化,被动最大化,也许可以考虑 ETF, 也就是 KLSE 里面的 EA 股.<br /><br />Voyager8https://www.blogger.com/profile/09156670205944135447noreply@blogger.com