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世界上的事怕就怕认真二字。
i: u5 n/ ~+ x) m6 i/ ~收到Manulife GROUP RRSP 半年投资报告。4 p, a; z+ I! S0 c6 g4 T( `, k
半年 : 5.8%1 Z$ i- W6 r. [8 j! X1 G
1年 :18.9%" U- @. M/ v4 o8 v$ \' g( L
从2006年初开始: 14.1%5 p o8 U8 A) B5 b5 M) y6 [# M
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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。. T. y _; D( u- l
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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。
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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:
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$ E" {% h' ~% WThis 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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" Y3 k$ ] V6 E7 v; ~* mCanadian Equity
8 R- e- z. k; m8 v 1-year 2-year 3-year 5-year Since inception
# |. |" R' p8 D! Q" TMLI JF Canadian Equity 22.61% 17.57% 21.11% 17.20% 17.44% Oct 2001
+ y, X4 w, S# I' G& {* H, ZS&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 . o. X4 M. J9 G1 F0 `+ _$ P( D
MLI McLean Budden Canadian Equity 28.87% 22.26% 19.54% - 22.26% Apr 2003
6 W4 w8 O5 z7 NS&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% - ' I0 P. `3 ]3 T" o1 c8 _7 L
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1 K* \6 Z) y8 c5 F2 f8 WAsset Allocation
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' I( U j6 s+ P1 ] 1-year 2-year 3-year 5-year Since inception
& v9 ]) q: j: t; r% C EMLI Aggressive Asset Allocation 23.63% 18.58% 15.91% 13.86% 11.02% Feb 1999; t6 J, z2 C) L+ }: I2 t7 E0 f
Blend: MLI Aggressive Asset Allocation 22.08% 19.11% 16.63% 13.85% - 3 u6 D* ]4 a+ D! k# ^
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1-year 2-year 3-year 5-year Since inception
3 z' H" L8 p2 @5 ?- WMLI Growth Asset Allocation 20.25% 15.34% 13.66% 12.00% 9.64% Feb 1999
7 w5 }' x( a1 h: x* I8 eBlend: MLI Growth Asset Allocation 18.42% 15.41% 13.83% 11.74% -
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8 C% q" J# V- o/ i% @. n( I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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, @7 b! M9 N( y再比较一下 index 3 z/ W5 R S7 R& D: ], @
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Fund Name 1 Mth 3 Mth 1 Yr 3 Yr 5 Yr 10 Yr 5 F9 f9 d3 w% w4 ~8 W6 ?
TD International Index - I -0.5 -2.1 19.8 11.7 8.1 3.6
3 P: ~. x- ~: S6 g8 R6 s* ETD International Index - e -0.4 -1.9 20.8 12.7 9.2 ---
" q5 `6 G, ?3 e5 a% P8 \TD European Index - I -0.6 -0.1 25.6 14.3 9.7 ---
* e. B1 G$ Z+ H; _) ^TD European Index - e -0.5 0.1 26.1 14.8 10.2 --- 0 D% D- Q/ F0 `7 o
TD Dow Jones Industrial Avg Index - I -2.0 0.2 16.3 1.7 1.4 ---
0 y B" {6 l% c3 j0 m4 w- _TD Dow Jones Industrial Avg Index - e -2.1 0.3 16.8 2.1 1.9 --- # ]% k; A' x; l2 N
TD Canadian Index - I -0.9 6.1 21.9 19.1 15.7 9.3 8 R5 K& ~! L( K+ V8 p8 Q
TD Canadian Index - e -0.8 6.2 22.4 19.6 16.2 --- , O6 E& V0 p! L9 q$ q, D
TD Canadian Bond Index - I -0.3 -1.9 3.9 4.3 5.0 5.5
" v- A, G5 P# O4 L) hTD Canadian Bond Index - e -0.3 -1.9 4.3 4.7 5.4 ---
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(Click to select all) Morningstar Category RRSP Total Assets ($Mil) MER Legal Status / H! Z6 u$ j$ Z* J0 z
TD International Index - I International Equity Yes 499.7 1.41 T 3 c/ \3 t2 y3 p& Y; K2 C
TD International Index - e International Equity Yes 499.7 0.48 T 5 v6 ~* d. E; y% O3 R) t; Q
TD European Index - I European Equity Yes 83.0 0.99 T 5 u( o2 Z6 y' e7 O- [2 l" f' [( J
TD European Index - e European Equity Yes 83.0 0.48 T ( x( s/ |$ U* H: k. s( s0 `+ @
TD Dow Jones Industrial Avg Index - I US Equity Yes 46.6 0.88 T : z- W4 P+ ?) R* s4 w: _2 L
TD Dow Jones Industrial Avg Index - e US Equity Yes 46.6 0.31 T
) S+ q" t2 l, R% ^0 W0 C" TTD Canadian Index - I Canadian Equity Yes 869.6 0.88 T / k/ x# U8 o/ n) N
TD Canadian Index - e Canadian Equity Yes 869.6 0.31 T 5 [% X4 j" m/ Q7 j p) h) r
TD Canadian Bond Index - I Canadian Core Fixed Income Yes 703.3 0.91 T
$ ^ I' L3 }. Z( V' P2 Q+ d- ZTD Canadian Bond Index - e Canadian Core Fixed Income es 703.3 0.48 T: h- |- N3 }* Y$ P7 D. E
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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9 G4 H& O6 a. q
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。: k) y _ |! Y, F: I
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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# d8 l+ p2 D& ?/ m7 @, n
资金转到TD.
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" [* j$ A" k! p% M& T) y0 R/ R请精打兄点评。不胜感激。。。 |
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