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世界上的事怕就怕认真二字。
2 e. t- z4 d" m1 z+ `收到Manulife GROUP RRSP 半年投资报告。8 p2 h9 X! G; P W7 v+ H& w: G) r
半年 : 5.8%
1 n8 t* c3 r6 ~, {7 z1年 :18.9%; \+ K9 g& t) S0 |$ c( w
从2006年初开始: 14.1%
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/ N8 D3 z# y7 E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。
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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:5 h$ R$ p/ x! P; J+ g
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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.+ T* u# s2 m2 H, W% o0 U n; X
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Canadian Equity
R* f' s9 _" q& z8 r/ H( E 1-year 2-year 3-year 5-year Since inception ; x/ j I! G* z: p! l0 z; E
MLI JF Canadian Equity 22.61% 17.57% 21.11% 17.20% 17.44% Oct 2001
# e, N6 m& [: P* E/ {S&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% - % s* h @' \3 ^
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* B6 O: v r; X$ Y: t- m2 Q 1-year 2-year 3-year 5-year Since inception + P6 |. {% R' C4 Z, v0 a
MLI McLean Budden Canadian Equity 28.87% 22.26% 19.54% - 22.26% Apr 2003( X* @9 N2 r+ g. ~+ U
S&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% -
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Asset Allocation $ ~+ x- u9 F2 J( G
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" W: K0 J, |4 Z& ?8 R9 `MLI Aggressive Asset Allocation 23.63% 18.58% 15.91% 13.86% 11.02% Feb 1999
; Y% V' c; m5 YBlend: MLI Aggressive Asset Allocation 22.08% 19.11% 16.63% 13.85% - " r( w; w! k) a9 |* L5 v# I9 U
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( g0 I9 r, [) [" O5 }7 H( V f 1-year 2-year 3-year 5-year Since inception
5 [) T% O6 l6 _MLI Growth Asset Allocation 20.25% 15.34% 13.66% 12.00% 9.64% Feb 1999* X( e$ k+ A3 p' f4 l" e
Blend: MLI Growth Asset Allocation 18.42% 15.41% 13.83% 11.74% - 0 x4 i ~& |# i( L: a+ {
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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1.25
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再比较一下 index + ]- Q* E8 E E* ~. r- ]. ]8 f
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+ A$ u1 q" s R5 [" O/ {7 M A. cFund Name 1 Mth 3 Mth 1 Yr 3 Yr 5 Yr 10 Yr
; U$ H' }* D! GTD International Index - I -0.5 -2.1 19.8 11.7 8.1 3.6 , S* E; E0 a! e5 l2 H' `& ]
TD International Index - e -0.4 -1.9 20.8 12.7 9.2 ---
" A5 n; X! a2 c. j. I% u4 tTD European Index - I -0.6 -0.1 25.6 14.3 9.7 ---
) I2 V& { T! b9 V/ [: WTD European Index - e -0.5 0.1 26.1 14.8 10.2 --- , d; e0 ?2 \( C& W7 @! h. i
TD Dow Jones Industrial Avg Index - I -2.0 0.2 16.3 1.7 1.4 --- ( l+ _0 d% o2 W1 l: l4 X5 N
TD Dow Jones Industrial Avg Index - e -2.1 0.3 16.8 2.1 1.9 ---
& f# \) }) [( \: x( r" @TD Canadian Index - I -0.9 6.1 21.9 19.1 15.7 9.3
# B5 B! y& k/ ^' I+ n- bTD Canadian Index - e -0.8 6.2 22.4 19.6 16.2 --- 1 E4 d- p, ]+ j, ^5 u3 ?
TD Canadian Bond Index - I -0.3 -1.9 3.9 4.3 5.0 5.5
; [3 K+ m2 l9 x; ?% z1 D" rTD Canadian Bond Index - e -0.3 -1.9 4.3 4.7 5.4 ---
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Fund Name5 ?* N( J" X! G4 `
(Click to select all) Morningstar Category RRSP Total Assets ($Mil) MER Legal Status 5 C% U1 \/ s! z% L
TD International Index - I International Equity Yes 499.7 1.41 T
) u' o- s9 i: o+ Q7 lTD International Index - e International Equity Yes 499.7 0.48 T / ~; l; z+ T- m$ }0 o7 S
TD European Index - I European Equity Yes 83.0 0.99 T
( h' e H" A6 [4 gTD European Index - e European Equity Yes 83.0 0.48 T
9 b+ }) r8 i. _6 F& ]* w( ]* VTD Dow Jones Industrial Avg Index - I US Equity Yes 46.6 0.88 T / f) Z; h4 r# a5 p! v
TD Dow Jones Industrial Avg Index - e US Equity Yes 46.6 0.31 T - {: ~! Z3 V" Z
TD Canadian Index - I Canadian Equity Yes 869.6 0.88 T
( P. _" K+ I" |TD Canadian Index - e Canadian Equity Yes 869.6 0.31 T
+ b7 m; C# D0 c$ c DTD Canadian Bond Index - I Canadian Core Fixed Income Yes 703.3 0.91 T
1 u/ ~2 O C/ v' dTD Canadian Bond Index - e Canadian Core Fixed Income es 703.3 0.48 T
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' P1 U! n3 f7 ^! l# y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4 x% c- t& x4 t% C' X
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。& m' l8 S, d' E
2 i) \& i' S- N7 M& q( L8 T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groupde0 ^% `4 _ I l+ W) t+ M
资金转到TD.
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请精打兄点评。不胜感激。。。 |
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