買基金最平是透過etf,而不是買無年期

買無年期不如去銀行,而不是去找agent

觀察所得,至少去銀行話cut就cut,跟agent買無年期只會慫恿你莫視風險

賣無年期基金agent最常見會說
1. 基金經理是專業團隊,會幫你決定幾時入貨出貨(經過08年再唔肯面對現實便輸錢莫怨人)
2. 股票長線向上(我相信自然界定律成長是有極限)


ETF information:
2800    Tracker Fund of Hong Kong
2801    iShares MSCI China Tracker
2809    Lyxor ETF Commodities CRB
2810    Lyxor ETF MSCI India
2812    Lyxor ETF MSCI World
2813    Lyxor ETF MSCI Korea
2815    Lyxor ETF AC Asia-Pacific ex Japan
2819    ABF Hong Kong Bond Index Fund
2821    ABF Pan Asia Bond Index Fund
2823    iShares FTSE / Xinhua A50 China Tracker
2825    WISE-CSI HK 100 ETF
2826    Lyxor ETF NASDAQ-100
2827    WISE-CSI 300 China Tracker
2828    Hang Seng H-Share Index ETF
2831    Lyxor ETF Russia
2833    Hang Seng Index ETF
2836    iShare BSE SENSEX India Tracker
2838    Hang Seng FTSE / Xinhua China 25 Index ETF

If you want to buy etf, it better buy in US after this crises(because the counterparties risk really high at this moment)

買無年期如果為咗平,我已經指出etf仲平.

買無年期如果為咗需要用可以拿到錢,我已經指出etf都做到,做得比買無年期基金好.

買無年期如果為咗agent可以explain個risk,我已經指出由於佣金問題,觀察所得應該做唔到.

http://specials.mingpao.com/cfm/Static.cfm?Category=e9e2774d9fbb639e30&SpecialsID=108

http://en.wikipedia.org/wiki/Exchange-traded_fund