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MPF係咪應該趁低位買晒高風險??

MPF係咪應該趁低位買晒高風險??

啱啱轉新工...係咪應該揀晒高風險呢??而家係咪叫低位入貨呀?

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呢度無人知道依家係咪低位

如果你係廿x歲 我建議你既mpf 100%高風險
另外自己投資就揀中低風險
原因︰
1. 將來大升既話你就發達了 大跌就起碼仲有自己投資那部份
2. mpf 的管理費很高 揀低風險的回報不及自己去做定期

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100% 高風險  
會唔會勇左 d 呢?

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in my opinion, it depends on your situation, here is a brief idea only:

1) your age

2) your risk tolerance

3) the available funds in your new MPF plan, since you mentioned the high risk portfolio, however, there might have global equity vs hong kong equity vs european equity, all of these might be defined as high risk , but as you should know the performance is totally different, and the potential gain is totally different as well


at last, even you would like to invest in a high risk portfolio, it is suggested to invest part of capital in a conversative asset as the global economy is not yet stable.

it is just my personal opinions! pls consult your profesional advisor for further details

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最高風險同最低保本基金,基金收費差唔多,保本基金保唔到本,
點解唔搏一搏,睇下食粥食飯.

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以下是我過往5年的MPF分配:

(1) 04年轉工開始用MPF, 100%香港股票
(2) 06年中美國利率見頂, 50%香港股票 + 50%債卷
(3) 07年9月美國利率開始下降, 100%保本債卷
(4) 08年12月利率見底, 50%香港股票 + 50%債卷
(5) 現正等侯美國利率將來上升時, 會分配100%香港股票, 或50%香港股票 + 50%中國股票.

基本上, 我
(1) 以美國利率方向作為分配指標.
(2) 不會選擇保証基金(guaranteed fund), 只以債卷基金(bond, money market, capital preservation funds) 作避險.

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頂!! 我今次海嘯唯一輸就是 MPF, 忘記了它!!!   

26,000 點沽清手上股票,但 MPF 到近 20,000 點才記得轉入保本基金避風!!   


8,000 點才考濾轉回高風險!!!   

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