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世界上的事怕就怕认真二字。
0 X' n, v4 c Z7 i! d. ?$ g收到Manulife GROUP RRSP 半年投资报告。
8 P- L/ K9 x% t8 z3 r& h半年 : 5.8%7 ~/ Z3 H) A5 Q: \, Q) H% e
1年 :18.9%
* ]3 Z- M& j+ e& |+ y9 d8 C从2006年初开始: 14.1%, i. m$ b: |7 ]3 U) Y7 b5 D8 ~+ t
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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。
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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。$ M9 m# @3 e( q6 Q; S
, ^/ X% L+ j' i% X, B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:' I4 `/ P/ _3 _3 I% u- c
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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.
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( p9 t* l4 C7 w& L/ ZCanadian Equity. h# y/ r. n: D5 i
1-year 2-year 3-year 5-year Since inception
R' Y: Q" X7 q% |! O7 G5 ZMLI JF Canadian Equity 22.61% 17.57% 21.11% 17.20% 17.44% Oct 2001
7 h G, _* o6 ?S&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% - : R$ Q8 e3 y9 d1 E2 S1 M0 p( ^
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MLI McLean Budden Canadian Equity 28.87% 22.26% 19.54% - 22.26% Apr 20030 l+ k: e5 l* z- y4 ^: o6 u
S&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% -
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2 |' R* j* e& ~: [! zAsset Allocation , p% J/ M% s( X
9 ^4 d# [/ ]; I0 |6 D; B* D 1-year 2-year 3-year 5-year Since inception 3 u( z3 [. `" {( R8 N0 k8 Y/ U
MLI Aggressive Asset Allocation 23.63% 18.58% 15.91% 13.86% 11.02% Feb 1999
' Y/ v( r0 r3 X7 ?$ L$ oBlend: MLI Aggressive Asset Allocation 22.08% 19.11% 16.63% 13.85% - + \& l# e3 c8 V) A2 L9 w0 Y0 D
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1-year 2-year 3-year 5-year Since inception
' [$ J8 w( v* q( [- @5 u2 d |4 j. mMLI Growth Asset Allocation 20.25% 15.34% 13.66% 12.00% 9.64% Feb 1999
8 M( z6 x- E& k m7 [" C. {Blend: MLI Growth Asset Allocation 18.42% 15.41% 13.83% 11.74% -
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! A$ f+ l, v$ T, G' H4 a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" e) L! M7 X3 K' Z* F1 C
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再比较一下 index
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Fund Name 1 Mth 3 Mth 1 Yr 3 Yr 5 Yr 10 Yr
- f$ D b8 N" ITD International Index - I -0.5 -2.1 19.8 11.7 8.1 3.6 3 h0 Z8 y' R& E3 [, R2 F! q' f4 k
TD International Index - e -0.4 -1.9 20.8 12.7 9.2 ---
: _- \; g0 g- mTD European Index - I -0.6 -0.1 25.6 14.3 9.7 ---
" v- W6 |$ s6 A9 M) PTD European Index - e -0.5 0.1 26.1 14.8 10.2 ---
! F2 h: L) P9 aTD Dow Jones Industrial Avg Index - I -2.0 0.2 16.3 1.7 1.4 ---
) Q0 N0 L( \. L9 q) k; S( L, pTD Dow Jones Industrial Avg Index - e -2.1 0.3 16.8 2.1 1.9 --- / ^; a0 y. r* F2 t9 \9 i
TD Canadian Index - I -0.9 6.1 21.9 19.1 15.7 9.3
* d4 [; ~4 O7 t% w. ~7 L3 V) {( eTD Canadian Index - e -0.8 6.2 22.4 19.6 16.2 --- / d- O! A7 B9 c/ f1 j
TD Canadian Bond Index - I -0.3 -1.9 3.9 4.3 5.0 5.5
b4 l3 ~9 h+ w( }' `8 U, b- UTD Canadian Bond Index - e -0.3 -1.9 4.3 4.7 5.4 ---
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Fund Name
- W$ ]/ o3 M B% O3 E% Z/ G( }: {0 s(Click to select all) Morningstar Category RRSP Total Assets ($Mil) MER Legal Status
2 p0 _2 o3 K( ^9 S' V1 aTD International Index - I International Equity Yes 499.7 1.41 T
; h m& ]* T3 H9 B2 YTD International Index - e International Equity Yes 499.7 0.48 T
) \; o6 z q0 H8 m6 {3 qTD European Index - I European Equity Yes 83.0 0.99 T
+ l4 n) Y) R: t6 I* @& ITD European Index - e European Equity Yes 83.0 0.48 T
( |9 u; m# U& f* H& eTD Dow Jones Industrial Avg Index - I US Equity Yes 46.6 0.88 T
, W$ ?+ Z( y8 I7 _2 WTD Dow Jones Industrial Avg Index - e US Equity Yes 46.6 0.31 T
4 J+ _' |3 B. I6 m3 {TD Canadian Index - I Canadian Equity Yes 869.6 0.88 T
# W9 S/ X! y# uTD Canadian Index - e Canadian Equity Yes 869.6 0.31 T
1 l4 W! n* ~; u# n: F/ RTD Canadian Bond Index - I Canadian Core Fixed Income Yes 703.3 0.91 T
7 \& {" x* G$ d/ s, YTD Canadian Bond Index - e Canadian Core Fixed Income es 703.3 0.48 T
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* d5 S+ t" G/ w' o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8 t, E& m5 [' |
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。# W8 j" ]. _; E8 d
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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
: ^$ }4 X2 V4 Q3 j3 `; _资金转到TD.
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请精打兄点评。不胜感激。。。 |
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