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世界上的事怕就怕认真二字。0 @- a2 r8 p- k$ W- s
收到Manulife GROUP RRSP 半年投资报告。 n+ X5 E! v& O3 p6 E/ r
半年 : 5.8%
7 z! b9 W T5 E$ E1年 :18.9%
5 Z& H1 s9 P$ v3 |# k从2006年初开始: 14.1%
6 j( [4 s/ b7 F. _8 I% x) ~8 I' q, |" ]" z
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。 R' A% f2 R7 w
1 B$ r% J$ u) K- C- N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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2 s; O* |: j# j W# E; G9 e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:( o% Y4 x) n0 O( @6 e6 ^/ T
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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.3 W+ a% J5 f2 b. f) {7 w
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Canadian Equity' ~8 ?/ o4 l8 u! f7 y
1-year 2-year 3-year 5-year Since inception ) R4 b/ b/ I8 @- _2 M8 r
MLI JF Canadian Equity 22.61% 17.57% 21.11% 17.20% 17.44% Oct 2001
! Z3 ~' e. e, }% uS&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% - + u; H- V+ e: ^/ |! R
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1-year 2-year 3-year 5-year Since inception 4 C9 P: B q k4 A/ |; e* Z& G
MLI McLean Budden Canadian Equity 28.87% 22.26% 19.54% - 22.26% Apr 2003
! k% \+ d# a+ H6 T' i3 L, VS&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% - / r+ l. j5 ]+ f2 ]$ b+ z/ s0 Y! a- w
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! u2 P g/ h _# T6 @- ^Asset Allocation
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! _. K' y# D7 u @ 1-year 2-year 3-year 5-year Since inception 4 ]2 T) t+ W8 D/ ]
MLI Aggressive Asset Allocation 23.63% 18.58% 15.91% 13.86% 11.02% Feb 19999 k3 M1 G. ^% W' K# @
Blend: MLI Aggressive Asset Allocation 22.08% 19.11% 16.63% 13.85% - : C/ }9 }1 f7 p
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, y( E3 W& v/ \+ v- V) l* U: n: r! G8 T 1-year 2-year 3-year 5-year Since inception 9 U" k$ C1 b8 X! j' s5 `
MLI Growth Asset Allocation 20.25% 15.34% 13.66% 12.00% 9.64% Feb 1999
' G" ?% G/ e/ \0 V) Q' {$ |Blend: MLI Growth Asset Allocation 18.42% 15.41% 13.83% 11.74% - 4 i3 w% p1 j% Y/ ]$ u
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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 . e2 y% x4 @' i V# M. c
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$ u" n% Z$ U5 ]1 n6 HFund Name 1 Mth 3 Mth 1 Yr 3 Yr 5 Yr 10 Yr 3 ?$ y! K$ a, [) B* ?
TD International Index - I -0.5 -2.1 19.8 11.7 8.1 3.6 ' D6 w2 d& I& y" k; S; G1 ?
TD International Index - e -0.4 -1.9 20.8 12.7 9.2 ---
" Y% s, a3 t2 }: Q- LTD European Index - I -0.6 -0.1 25.6 14.3 9.7 ---
/ d5 ~9 d2 |. b1 V: z7 E- a. @TD European Index - e -0.5 0.1 26.1 14.8 10.2 ---
3 P, F( n* e1 w6 UTD Dow Jones Industrial Avg Index - I -2.0 0.2 16.3 1.7 1.4 --- $ ^ s0 ~& a3 u& l J* w* I
TD Dow Jones Industrial Avg Index - e -2.1 0.3 16.8 2.1 1.9 --- 8 W. m7 s7 D% h1 _: X* U
TD Canadian Index - I -0.9 6.1 21.9 19.1 15.7 9.3
9 O- q: {, p! W, I3 y/ `TD Canadian Index - e -0.8 6.2 22.4 19.6 16.2 ---
; ?3 W$ G1 S, S" a* b e6 MTD Canadian Bond Index - I -0.3 -1.9 3.9 4.3 5.0 5.5
& Y, V, D7 U2 T5 @- q* O7 wTD Canadian Bond Index - e -0.3 -1.9 4.3 4.7 5.4 ---
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* D% o4 [+ f+ H- n$ R: X! tFund Name m$ _3 Y( v$ `% A! d
(Click to select all) Morningstar Category RRSP Total Assets ($Mil) MER Legal Status
+ d+ S3 z* I! }' H) R1 u' Z* l; qTD International Index - I International Equity Yes 499.7 1.41 T
! l+ [. c& ]9 |; U( iTD International Index - e International Equity Yes 499.7 0.48 T ( B/ J1 I4 V! ^
TD European Index - I European Equity Yes 83.0 0.99 T ! [3 v5 k* A/ ~* z
TD European Index - e European Equity Yes 83.0 0.48 T ' e5 ]- A3 s4 q) d/ T: |
TD Dow Jones Industrial Avg Index - I US Equity Yes 46.6 0.88 T
* A5 ?5 u* i6 c' QTD Dow Jones Industrial Avg Index - e US Equity Yes 46.6 0.31 T
% J, o/ m1 J' Z& cTD Canadian Index - I Canadian Equity Yes 869.6 0.88 T
9 F) U# n& W! g- uTD Canadian Index - e Canadian Equity Yes 869.6 0.31 T
; r! m5 d; k- VTD Canadian Bond Index - I Canadian Core Fixed Income Yes 703.3 0.91 T
) k2 B. W, I# m. c4 p# m2 `TD Canadian Bond Index - e Canadian Core Fixed Income es 703.3 0.48 T- Y4 [' `5 a8 s9 f: g
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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9 w+ L b+ x' L7 w+ z
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。+ a I& H; h8 [# `
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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
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请精打兄点评。不胜感激。。。 |
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