征求大家的投资意见

sanlangsan

银行的投资代理人是否可靠的信任？ 大家都投资哪一个资金？ 欢迎回帖，探讨和给与指导。

lyu

I am a Fund person, do not like individual stock, somewhat conservative, my portfolio:
1.TD Bank Index e Fund (25%CDN Bond; 25% CDN Equity; 25%US SP500; 25%Internation Equity); The benifit of e fund is you only pay about 0.40% MER, $25 minimum each fund each month, within your RSP. No Loan! Suit for long-term investment (>5yrs at least).
2. ING Moderate Portfolio (40%CDN Bond; 20% CDN Equity;20%US Equity; 20% Int. Equity),
2 O4 [$ ~. K: g6 Q# x/ b/ FThese are active managed fund, average MER is 2.1%, a little bit higher, but all from big fund conpany, and No Load! Suit for long-term investment within RSP.
3. Plan to buy TD Dividend Income Fund. Suit for mid to long term investment, outside RSP, a defensive kind fund during bad investment time.

sanlangsan

你好lyu,
7 X- U& S2 Y' ?8 Q8 g看你的资金大多选TD bank的，是由于其他的银行MER 费用高还是其他的原因？ 在Edmonton 有没有专门的公司发行MF的？谢谢

lyu

When you chose fund, you have to consider:
1. Cost.  Management Fee & Operation Expense (MER), Sale Transaction & Commision Fee, etc. The higher you pay, the less you get. So you should go with fund with low MER, and No load (No sale charge for each buy and sale). Normally only big bank offer No load fund, and TD Bank and RBC Bank are in the top list of good performance.
# ~. y7 T. m# O/ K$ d3 P4 A% g9 G" \$ g: l2.Your risk and how many year you will invest. If you only invest for short term and has low risk tolerate, chose Money Market and Bond fund, but personally I recommond High Rate Saving Accound like ING(3.0%), ICICI(3.5%), zero risk. If you invest for mid term(2-5 year), chose a balance fund(60% income, 40% equity); If more than 5 year, personal I think 10 years is more suitable, chose portfolio mixed with 40%- income and 60%+ equity( diversafied them between Canada and Overseas),how many %  depend on your own risk.
3.How many you invest. people like me live paycheque by paycheque, can only contribute a few hundred each month. Best way is chose a big bank like TD and pre-authorize each month. So No Load is important. You will not be charge sales and transaction fee each time you buy.  If some one happen have big money and want to pay once a year, I recommend Phillips, Hager & North (PH&N --- it is one company, not three) and you can check through it's website. PH&N charge very low MER and have plenty choices, but seems you need $25,000 for keeping a total account and each fund no less than $5000.
4. Your investment style. If you want to manage your own account and likely want to chose individual stocks, go to TD Waterhouse, a discount broker, open an account. If you like paying less and do not like chose stock by yourself, ETF or Index fund are good choices. Big money and trade in stock market, go ETF; small money and trade as fund, Index fund or Index e Fund.
5. Whatever you chose, fund or stock, beware the risk. Do not go there if you can not sleep when the market fall down. You will lose money if you buy high and sell low.
By the way, some other good fund company:
Fidelity Investment; Franklin Templeton; AIM Trimark; AGF......

sanlangsan

谢谢你Lyu, 你的建议很有帮助。让人一目了然。