(引用 mobydick:汗！中国的通货膨胀可是很高的。而且，关键的是换回去容易，换出来可就难了。)Why difficult?You can remit back and exchange in singapore, it's the same.
From the currency policy adopted by government these years, I don't think the exchange rate will drop much.[香陵居士 (3-5 16:10, Long long ago)]
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(引用 香陵居士:Why difficult?You can remit back and exchange in singapore, it's the same. From the currency policy adopted by government these...)hoho[MrDJay (3-5 17:04, Long long ago)] [ 传统版 | sForum ][登录后回复]42楼
(引用 香陵居士:Well... if take 911 into account... maybe you are right.But you have idea when will the next 911 comes?)No need 911. "President Chen" continue do some more things, some affect will beseen.
China now military exercise, barking dog, wont bite you might say,
Chen's fellow now one more step , want to add "2 countries" into constitution, how to react?
Not necessarily a 911. but some "smaller" things, we small investor will already cannot take it lah.[MrDJay (3-5 17:08, Long long ago)]
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(引用 mobydick:A kind of issurance.It will give you dividends each year, depending on their investment return.)oh.. so it is ILP lah.. Investment linked policy?hehe, ok.
Out of all insurance, this one I never like .
My point is , the sentiment towards general insurance products was quite , down. I just feel that, this should not be the case. So many insurance products, there are some indeed, have very attractive points for a long term investment.
Just take one for the sake of discussion,
Prime Life Policy. Idea: to hold it till 20 years (of coz provided the policy holder did not die), then surrounder.
The surrounder return in all will give you around 3.4% return p.a. (excluding all fees, and non-guarrenteed portion we take a conservative measure. i.e. not get all non-guarrenteed portion)
So I may say, to many low risk appetite ppl, these kind of long term investment is worth considering ?
[MrDJay (3-5 17:16, Long long ago)]
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(引用 香陵居士:Well... if take 911 into account... maybe you are right.But you have idea when will the next 911 comes?)911 is only an example...and the previous one was SARS. Who knows the next one could be Bird Flu or any others!!![神州六号 (3-5 22:12, Long long ago)] [ 传统版 | sForum ][登录后回复]45楼
FOR THE RICH ONLYIf you have more than US$100K spare cash can contact me. we can work out something very attractive for you.
Can check out my website at
http://www.sgmoneymatters.com
for some of the basic financial knowledges used in singapore as well.
- Ivan, Guan Bo. Premimer Financial Services Consultant.
[nuswolf (3-6 0:04, Long long ago)]
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some private bank product garantees you 15% returnreally don't know how they do it....
but you need 5M USD to qualify to be a private bank customer.....[大象 (3-6 9:52, Long long ago)]
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(引用 大象:some private bank product garantees you 15% returnreally don't know how they do it....
but you need 5M USD to qualify to be a p...)How is this impossible?Even for Warren Buffet, his long term returen is only about 20% per annum?
If you can achieve consistently 15% of return, you can find a fund manager job anytime, anywhere.
Which bank in singapore can provide this? Do you know?
[xiaoqiuqiu (3-6 10:39, Long long ago)]
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(引用 xiaoqiuqiu:How is this impossible?Even for Warren Buffet, his long term returen is only about 20% per annum? If you can achieve consistentl...)Sorry, I mean how is this POSSIBLE?[xiaoqiuqiu (3-6 10:53, Long long ago)] [ 传统版 | sForum ][登录后回复]49楼
(引用 MrDJay:oh.. so it is ILP lah.. Investment linked policy?hehe, ok.
Out of all insurance, this one I never like .
My point is , the se...)To this specific issurance.You'd better look how many equite-investment funds which generates annual return less than 3.4%. There should be very few of such bad skilled fund managers.
Then you may want to evaluate the expected return from the equity funds. If the expected return is high, say 7% on average, of course, you should not buy the issurance since you can put part of the money on the equity fund, and use the rest to buy purely life insurances.
If so the result will be either the insurance gives the same protection and you get higher return for the investment, or you get the same return for investment and be more protected by the insurance.[mobydick (3-6 11:07, Long long ago)]
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(引用 香陵居士:Why difficult?You can remit back and exchange in singapore, it's the same.
From the currency policy adopted by government these...)Did you try to remit over RMB20,000 from China?I don't think it is convenient to do it.
[mobydick (3-6 11:09, Long long ago)]
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(引用 xiaoqiuqiu:How is this impossible?Even for Warren Buffet, his long term returen is only about 20% per annum? If you can achieve consistentl...)I don't know which bank, just heard from my friends...I also don't know how is that possible...[大象 (3-6 15:58, Long long ago)] [ 传统版 | sForum ][登录后回复]52楼
(引用 nuswolf:FOR THE RICH ONLYIf you have more than US$100K spare cash can contact me. we can work out something very attractive for you. C ...)网站不错，值得一看。[fama (3-6 17:05, Long long ago)] [ 传统版 | sForum ][登录后回复]53楼
(引用 mobydick:这个帖子应当顶一下！只是有一句话不妥N多研究显示，专业基金的表现都很难超越市场指数。
第一，不是所有的基金表现都难超市场。
第二�...)回复第一，不是所有的基金表现都难超市场。
不错，有的基金在某些年份会比指数表现好。可是基金的表现并没有持续性。所以在你投资之前，你根本不知道哪支基金明年的表现会比指数好。
其次，在扣除基金收取的各种费用之后，投资者得到的平均回报率都不如指数。（参看Wermers 2000 JF)
所以，不要觉得基金经理们很了不起。Buffet 这样的人几十年才出一个，他的表现好，很可能是他的运气好。换句话说，如果你中了多多，你的表现会比他好得多。
第二，就算不能超越市场，大多数基金回报应该也会比定期存款要高。
别忘了，基金的风险比定期存款高得多。
第三，就算投资债券，也可以考虑债券型基金，不一定非要直接购买债券死守到底啊。
同意这一点。可惜对新加坡的普通投资者来说，可选择的债券基金很少。SGX有一个Bond ETF. 但是信息很少，不太了解。[fama (3-6 17:28, Long long ago)]
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(引用 fama:回复第一，不是所有的基金表现都难超市场。
不错，有的基金在某些年份会比指数表现好。可是基金的表现并没有持续性。所以在你投资之前，�...)再回复基金的表现并没有持续性。表现持续超过市场，或表现总体超越市场的基金并不是没有。
在扣除基金收取的各种费用之后，投资者得到的平均回报率都不如指数。这句话的重点是“平均”二字。假如我买了7只基金，并不需要他们每一支都超越市场表现，其中有一只成为麦哲伦（年回报率近33%）就可以使我的组合很棒了。
基金的风险比定期存款高得多。
看你投资的时间有多长了，不到一年的话，基金的风险肯定比定期存款大得多，但如果投资20年的话，回报少于定期存款的好像还真不多见。
对新加坡的普通投资者来说，可选择的债券基金很少。
看了一下，似乎不少，因为新加坡的债券基金会在全球范围进行投资。
以下链接是我搜索出来的可投资的新加坡债券基金。
http://www.fundsupermart.com/main/fundinfo/generateTable.svdo 债券基金
另附表现最好与最差基金：
http://www.fundsupermart.com/main/fundinfo/worst_Funds.tpl 表现最差基金
http://www.fundsupermart.com/main/fundinfo/topFunds.tpl 表现最佳基金
[mobydick (3-6 18:32, Long long ago)]
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(引用 神州六号:I am not kidding ....You may left with 20k .... Compare the prices for most of the SGX stocks in 1996 and now, you will know wh...)六兄是否考虑到以下事实对于我们大多人来说，买基金都不太可能在同一时间用所有的钱买。我们毕竟不是靠资产过活，而是靠每月领工资的。因此，我们一般都会分段买入的对嘛？如果是分段买的话，我们的成本其实不太可能在最高点或在最低点的，而是一般在平均的位置不是吗？[mobydick (3-6 18:40, Long long ago)] [ 传统版 | sForum ][登录后回复]56楼
(引用 MrDJay:No need 911. "President Chen" continue do some more things, some affect will beseen.
China now military exercise, barking dog, ...)So better stay away from Taiwan shares lor...The sign of Mr Chen will do something similar have been very obvious for quite long...
Of course if you want to take high risk and get high gain, just try it lor...[香陵居士 (3-6 21:38, Long long ago)]
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(引用 大象:some private bank product garantees you 15% returnreally don't know how they do it.... but you need 5M USD to qualify to be a p...)Do you think anybody here got 5M USD in hand?I do think this kind of person can be excluded from this board anyway. Either there is no such person, or they operates in a very different manner like us. [香陵居士 (3-6 21:45, Long long ago)] [ 传统版 | sForum ][登录后回复]58楼
(引用 香陵居士:Do you think anybody here got 5M USD in hand?I do think this kind of person can be excluded from this board anyway. Either ther ...)来上花新的有US$5mm的好像没有，不过银行里面有这么多cash的客户还是听多的。[无名 (3-6 23:28, Long long ago)] [ 传统版 | sForum ][登录后回复]59楼
(引用 香陵居士:Do you think anybody here got 5M USD in hand?I do think this kind of person can be excluded from this board anyway. Either ther
...)well, i figure some people have value > 5M here.simply estimate their assets 10 years (20 years) later and divided by the inflation rate in 10 (20) years. Ye, that's the present value.
haha, just kidding.
[box (3-7 0:02, Long long ago)]
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