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世界上的事怕就怕认真二字。
' u! f; `1 ]9 m收到Manulife GROUP RRSP 半年投资报告。- a' k3 c: a6 L3 _9 U* p/ c
半年 : 5.8%
" L- T* U! i3 }1年 :18.9%) `/ I* b& _2 L3 J8 N
从2006年初开始: 14.1%
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. ~' X" u2 y0 `" p) ~ ?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。5 ^' k( F! o' L2 q# c- e2 Y
8 ]- M. I+ l8 n* ^7 h8 M" g; r- g5 ?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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0 d9 o# ~3 r. l. oThis 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./ F0 ~' O$ d5 o* b2 I2 o
" C! \: n/ }: j8 ]0 ~Canadian Equity$ F1 r! g5 g# i# z) C3 A% ^* j
1-year 2-year 3-year 5-year Since inception
+ O1 O, ~. k- z3 X% j( P4 `MLI JF Canadian Equity 22.61% 17.57% 21.11% 17.20% 17.44% Oct 20015 j; X8 o2 h1 X+ W& |5 ~: l
S&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% -
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& ]& ^# @2 @ \% L. _& j0 O 1-year 2-year 3-year 5-year Since inception `7 z4 W3 `* l1 R, z
MLI McLean Budden Canadian Equity 28.87% 22.26% 19.54% - 22.26% Apr 2003
* n9 i# g8 r) m- c yS&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% -
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. N, i( F' R Z- z- e6 NAsset Allocation
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: Q; }8 n$ w/ J# `. W' j 1-year 2-year 3-year 5-year Since inception
0 [8 A7 `6 L7 L& H9 e1 A" ZMLI Aggressive Asset Allocation 23.63% 18.58% 15.91% 13.86% 11.02% Feb 1999
8 H$ i2 U2 P7 V" jBlend: MLI Aggressive Asset Allocation 22.08% 19.11% 16.63% 13.85% - . ]) z' ]$ I$ R# V* X: ^$ {
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1-year 2-year 3-year 5-year Since inception " F7 e2 e) f& T% y* R8 {; A9 q' T& ^
MLI Growth Asset Allocation 20.25% 15.34% 13.66% 12.00% 9.64% Feb 1999
. Q K: v: R+ H0 E2 ~3 w7 b/ f4 H' fBlend: MLI Growth Asset Allocation 18.42% 15.41% 13.83% 11.74% -
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( |/ M5 ]. `9 N8 E看起来很美。 但前两种fund 的MER 分别是1.15 和1.2, 后两种是1.252 E( k: w8 t% H" c+ \/ g
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再比较一下 index
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2 c" v4 C4 ?" EFund Name 1 Mth 3 Mth 1 Yr 3 Yr 5 Yr 10 Yr
; f0 p3 L- I/ L' Y/ STD International Index - I -0.5 -2.1 19.8 11.7 8.1 3.6 4 B$ ~1 @" O( g9 k9 p( L/ ^
TD International Index - e -0.4 -1.9 20.8 12.7 9.2 --- $ X, G; x2 r( v# o* m
TD European Index - I -0.6 -0.1 25.6 14.3 9.7 ---
2 ?8 E C) N9 b3 \* [; ATD European Index - e -0.5 0.1 26.1 14.8 10.2 --- 3 X5 s# g7 f9 ?% F
TD Dow Jones Industrial Avg Index - I -2.0 0.2 16.3 1.7 1.4 ---
8 A% c4 ?7 ^" R9 t; i: \+ V* KTD Dow Jones Industrial Avg Index - e -2.1 0.3 16.8 2.1 1.9 --- " o! L. Q! A3 f1 H: y1 Q4 {) P2 b u( }
TD Canadian Index - I -0.9 6.1 21.9 19.1 15.7 9.3 6 E9 e0 ]9 ^4 n; o2 E Y5 S9 F$ u
TD Canadian Index - e -0.8 6.2 22.4 19.6 16.2 ---
" I; O( v% l# u3 o# H9 oTD Canadian Bond Index - I -0.3 -1.9 3.9 4.3 5.0 5.5 ; ?0 x7 x, `. q6 M$ U, D- }
TD Canadian Bond Index - e -0.3 -1.9 4.3 4.7 5.4 ---
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( v, z8 e( K3 I/ hFund Name
) L9 B- n, k! n9 p(Click to select all) Morningstar Category RRSP Total Assets ($Mil) MER Legal Status # o! m4 Y* J1 c* g5 O3 Y
TD International Index - I International Equity Yes 499.7 1.41 T - T9 ^2 N3 X3 @5 X5 o
TD International Index - e International Equity Yes 499.7 0.48 T
# Q: B M. @9 [+ c+ ^ ]) v1 L* `TD European Index - I European Equity Yes 83.0 0.99 T
2 p9 L* s9 C% X) l7 q9 iTD European Index - e European Equity Yes 83.0 0.48 T
) f+ V M; H' UTD Dow Jones Industrial Avg Index - I US Equity Yes 46.6 0.88 T 6 e" W% j9 V; a) E' ]1 H; q
TD Dow Jones Industrial Avg Index - e US Equity Yes 46.6 0.31 T 0 d+ G" n) F) r% h4 b: r5 q& v
TD Canadian Index - I Canadian Equity Yes 869.6 0.88 T
1 K& a1 j+ B2 BTD Canadian Index - e Canadian Equity Yes 869.6 0.31 T
9 e- ^7 p2 N' B5 rTD Canadian Bond Index - I Canadian Core Fixed Income Yes 703.3 0.91 T
' p6 ]% ]8 ]0 Q3 Y/ PTD Canadian Bond Index - e Canadian Core Fixed Income es 703.3 0.48 T" O, e1 C( p6 J9 i7 K) [
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4 Y R5 X1 }) q: X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# `" d, ^. f5 K
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。
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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 m% j& @: ^- y; n2 Q7 b
资金转到TD.
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请精打兄点评。不胜感激。。。 |
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