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世界上的事怕就怕认真二字。
) ]1 }1 }! {9 t; a: \# [收到Manulife GROUP RRSP 半年投资报告。3 R) p: x& R; T ^6 m$ f
半年 : 5.8%) n/ t/ N e, B! ~& b
1年 :18.9%, T3 h- ^1 D8 |. U
从2006年初开始: 14.1%3 f+ K8 ?* F" [' q# R
4 f0 J* `5 b" W1 y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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5 J5 B2 {( y3 K" H$ v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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- x' P# Y* V0 C# g( U5 \5 t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:- B6 Z. l5 z5 V4 j
9 N7 s; B- I2 j- n/ \8 nThis 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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2 o+ M6 P8 B; r ICanadian Equity
' c6 P6 R2 v% c1 } 1-year 2-year 3-year 5-year Since inception
! `9 E" ^0 H+ y, d$ i1 RMLI JF Canadian Equity 22.61% 17.57% 21.11% 17.20% 17.44% Oct 2001# i6 M, N) I% V8 p6 c
S&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% - ; W/ I3 p: k! `; F5 t, h
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5 h& }! a( A4 ^! }. {9 U9 c$ O 1-year 2-year 3-year 5-year Since inception
+ {, g4 |, R2 {- qMLI McLean Budden Canadian Equity 28.87% 22.26% 19.54% - 22.26% Apr 20038 |1 m v. {. v" D* _
S&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% -
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# p5 ?" W" U9 e Z, n* [Asset Allocation 6 r2 [. o( \: m" X8 w# v. K
4 w/ t' G" K+ R 1-year 2-year 3-year 5-year Since inception 8 l# A$ `$ v0 a6 t/ L
MLI Aggressive Asset Allocation 23.63% 18.58% 15.91% 13.86% 11.02% Feb 1999
/ r5 Z q7 m8 n$ c1 HBlend: MLI Aggressive Asset Allocation 22.08% 19.11% 16.63% 13.85% -
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1-year 2-year 3-year 5-year Since inception
5 ]+ C3 m! `! E! LMLI Growth Asset Allocation 20.25% 15.34% 13.66% 12.00% 9.64% Feb 1999
: I# U5 b7 ^/ ?7 k4 \9 E6 QBlend: MLI Growth Asset Allocation 18.42% 15.41% 13.83% 11.74% -
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6 x3 x- B3 X8 P U3 J) ]* L: B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: A3 A9 |- V6 `+ b/ k
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再比较一下 index
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3 B/ X% _0 l6 C' O' }! j+ k0 s- u9 y3 }5 Y% ~
6 X" T! u- G; KFund Name 1 Mth 3 Mth 1 Yr 3 Yr 5 Yr 10 Yr
4 s* y" p, e% h: v9 A% T# ^- TTD International Index - I -0.5 -2.1 19.8 11.7 8.1 3.6
7 g* S2 A- }6 q* k: j" eTD International Index - e -0.4 -1.9 20.8 12.7 9.2 --- " k- ?) l4 |# h/ H8 B5 q
TD European Index - I -0.6 -0.1 25.6 14.3 9.7 --- ) {# F7 S% i1 c$ f. ^7 o
TD European Index - e -0.5 0.1 26.1 14.8 10.2 --- " P" W3 s/ n! `9 R# F2 @/ i
TD Dow Jones Industrial Avg Index - I -2.0 0.2 16.3 1.7 1.4 ---
% V0 I5 ]3 q- a* M9 V5 q6 tTD Dow Jones Industrial Avg Index - e -2.1 0.3 16.8 2.1 1.9 --- ' U) }5 Y' |: ]) m0 {
TD Canadian Index - I -0.9 6.1 21.9 19.1 15.7 9.3 ' v# M4 U: R8 ]3 H2 T
TD Canadian Index - e -0.8 6.2 22.4 19.6 16.2 ---
3 L; n1 h- i5 A. A8 y' {% O; K# WTD Canadian Bond Index - I -0.3 -1.9 3.9 4.3 5.0 5.5
' ?+ I( a8 V5 O5 e- A ~# HTD Canadian Bond Index - e -0.3 -1.9 4.3 4.7 5.4 ---
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Fund Name
. T( m- b6 n1 k9 F/ G$ j3 I7 o$ x(Click to select all) Morningstar Category RRSP Total Assets ($Mil) MER Legal Status
' J4 f* K Q! i1 ~5 z/ @4 GTD International Index - I International Equity Yes 499.7 1.41 T : a! v) w0 v& x
TD International Index - e International Equity Yes 499.7 0.48 T
+ F. p: T" F! W ]TD European Index - I European Equity Yes 83.0 0.99 T
* x7 K! c: x, i4 i) V lTD European Index - e European Equity Yes 83.0 0.48 T : v+ C. R' [' ~8 b2 h# {
TD Dow Jones Industrial Avg Index - I US Equity Yes 46.6 0.88 T + c) I' N2 F( u( s) ?
TD Dow Jones Industrial Avg Index - e US Equity Yes 46.6 0.31 T
( c9 N+ {9 L9 l; G) l) HTD Canadian Index - I Canadian Equity Yes 869.6 0.88 T ) M' o1 }8 Y* b% t2 X& H
TD Canadian Index - e Canadian Equity Yes 869.6 0.31 T - n0 h" E$ Y, P$ p' A
TD Canadian Bond Index - I Canadian Core Fixed Income Yes 703.3 0.91 T 7 \. ]! j) l# _/ ?" ~ `% @2 L
TD Canadian Bond Index - e Canadian Core Fixed Income es 703.3 0.48 T
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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
7 ]2 `/ Q; Q5 a9 U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。, k+ h: L5 ~$ Z: ^
1 S" X5 r* X7 g2 x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
/ V* Z! m0 k4 ]+ {4 Y/ }( ^资金转到TD.
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请精打兄点评。不胜感激。。。 |
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