 鲜花( 0)  鸡蛋( 0)
|
世界上的事怕就怕认真二字。6 x* ?( w) c; F! @+ [2 |+ K) y9 D
收到Manulife GROUP RRSP 半年投资报告。8 o0 u3 ^( k; R* @9 f9 L
半年 : 5.8%0 s& p7 ^& p9 S$ s
1年 :18.9%
& j/ z* m3 |) W+ p从2006年初开始: 14.1%
, ^. W8 ~ a: o$ c- Z. C! Q' w" b# F+ O
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。9 t3 x: c( J" ^4 i% Q; C
* s5 B( m6 f, h1 M! P! a/ K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。
2 t, c1 p, o1 h! l) M% b' I( c
: \% x0 z- X) a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:$ S: j# g# F5 s) v6 {/ Z7 e
. I0 m* o# _! G1 r$ x5 [1 jThis 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.% Y$ y8 H: U$ \7 ^% }
8 H- U1 F1 @8 w5 v% _( A- yCanadian Equity6 g' z0 {3 g/ y3 t! ?3 G7 u1 r
1-year 2-year 3-year 5-year Since inception
9 F) L9 c, u' E* @2 ~( N! {MLI JF Canadian Equity 22.61% 17.57% 21.11% 17.20% 17.44% Oct 2001
0 k4 X) k! w/ Z% pS&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% - 2 Z& m9 B/ Q9 {, [* w* A
, ^, { t% R( ]0 x# B$ A
# z; H3 P* _6 \- ]1 ^3 W
1-year 2-year 3-year 5-year Since inception
0 {: s/ n0 m( b& N+ O- _1 m$ IMLI McLean Budden Canadian Equity 28.87% 22.26% 19.54% - 22.26% Apr 2003
. F% s. V$ {- o7 NS&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% - ! u, v$ N4 N) J3 N9 E
; ?: z! H4 b, T
6 z3 }& |7 a" f2 c: TAsset Allocation 6 g1 L- f9 [& [8 {# R
+ K5 ]- L7 J% }3 D( h7 J% o0 Y e
1-year 2-year 3-year 5-year Since inception
6 D; E& r" X) l/ i# VMLI Aggressive Asset Allocation 23.63% 18.58% 15.91% 13.86% 11.02% Feb 1999
" p; I; P& w8 w3 u1 I& L/ B* j* TBlend: MLI Aggressive Asset Allocation 22.08% 19.11% 16.63% 13.85% - , E8 Y/ r, t: D5 R p
* J7 `$ e2 g8 w- f: m+ O
% z/ q+ g% G6 n' z 1-year 2-year 3-year 5-year Since inception
; Z/ `& H' g ~: nMLI Growth Asset Allocation 20.25% 15.34% 13.66% 12.00% 9.64% Feb 19994 o. s- e& W+ t- {% _: H
Blend: MLI Growth Asset Allocation 18.42% 15.41% 13.83% 11.74% -
2 T/ ^+ c, y$ F! P
) R5 J, A4 ?1 m2 n' a0 |3 o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 Y0 F: b( Y8 t! n- x3 s
: V6 r7 w! \) U# K再比较一下 index n+ o( r0 f# G3 U( F, W9 ?
h$ A* w# F7 Z/ K
3 O8 A4 R: k# p( `" e; l
7 f7 T, k2 k) T7 b7 m7 S8 }Fund Name 1 Mth 3 Mth 1 Yr 3 Yr 5 Yr 10 Yr
4 q3 l2 i. V3 ^5 s: V9 B! ITD International Index - I -0.5 -2.1 19.8 11.7 8.1 3.6 4 x$ m7 W( C' k0 M! g# V
TD International Index - e -0.4 -1.9 20.8 12.7 9.2 ---
0 i; R S* E* |6 U# c+ d( eTD European Index - I -0.6 -0.1 25.6 14.3 9.7 --- 9 T! u2 x1 r) F
TD European Index - e -0.5 0.1 26.1 14.8 10.2 ---
& q8 s5 H% ]1 zTD Dow Jones Industrial Avg Index - I -2.0 0.2 16.3 1.7 1.4 ---
% I9 O5 O* p, i& YTD Dow Jones Industrial Avg Index - e -2.1 0.3 16.8 2.1 1.9 --- $ y, s: ^+ q/ E# \$ m
TD Canadian Index - I -0.9 6.1 21.9 19.1 15.7 9.3
: T( g O- l; f# Q* u2 YTD Canadian Index - e -0.8 6.2 22.4 19.6 16.2 --- 5 ^. r% N3 `5 H, ]# T
TD Canadian Bond Index - I -0.3 -1.9 3.9 4.3 5.0 5.5 & p. l1 y) {; {1 V, D! {1 h
TD Canadian Bond Index - e -0.3 -1.9 4.3 4.7 5.4 ---
; B, x7 ?- |! c1 e% D) t
8 G( U! O! z- I( i( `
% T3 _2 ^; a, X9 Q; A1 BFund Name
( X/ e- B5 Y' @8 n(Click to select all) Morningstar Category RRSP Total Assets ($Mil) MER Legal Status 0 \( I5 D! o! }! W' |
TD International Index - I International Equity Yes 499.7 1.41 T
2 G2 x0 D5 ^5 D8 ^! q+ J& ITD International Index - e International Equity Yes 499.7 0.48 T
/ ~4 r" F* q1 A6 M# t, \0 u5 v3 P2 d2 {, [TD European Index - I European Equity Yes 83.0 0.99 T 5 P8 u+ u* m. x; ^+ ? D4 j
TD European Index - e European Equity Yes 83.0 0.48 T
' k, r3 M2 m4 |* Q) d4 [TD Dow Jones Industrial Avg Index - I US Equity Yes 46.6 0.88 T " v; k% C5 \1 I6 a1 e
TD Dow Jones Industrial Avg Index - e US Equity Yes 46.6 0.31 T
1 [. V- s2 i( \% M1 m$ {TD Canadian Index - I Canadian Equity Yes 869.6 0.88 T
) M6 F# K1 w% \: r' r* @5 V: vTD Canadian Index - e Canadian Equity Yes 869.6 0.31 T
6 [- j1 b! z' T& jTD Canadian Bond Index - I Canadian Core Fixed Income Yes 703.3 0.91 T
& V) o' a/ I$ B" {& E8 sTD Canadian Bond Index - e Canadian Core Fixed Income es 703.3 0.48 T( Q& W2 {; l1 T9 m$ [3 A
* ~( x1 M! M4 e
0 H* w) L5 D" g' u* Y! F* s% \那MLI JF Canadian Equity,MLI McLean Budden Canadian Equity 和TD Canadian Index - I,TD Canadian Index - e 比较一下,就会
+ b9 \* W' z" }% b5 b发现 Mauulife fund 收益不但没有比过index, MER 约是index 的两倍。 买index 还可以完全不想事。
1 H- Q" [# Q+ z, W4 o! S! H N+ m* _6 Y* i' Z9 H+ k4 @2 \) H( d, d
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groupde2 M+ A# ] }- c- |$ Z; b
资金转到TD.
3 F2 a: p) `0 O' E/ q3 g9 e7 }6 ?- ], ^* `4 P6 p
( q$ H0 I# T4 x6 E) i2 t请精打兄点评。不胜感激。。。 |
|