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世界上的事怕就怕认真二字。' N7 T: E7 h0 o% p& c: ` q- X
收到Manulife GROUP RRSP 半年投资报告。
: I* t. ?. f$ K半年 : 5.8%/ \0 W+ \5 z c7 Z" f! n! o. w: l
1年 :18.9%8 q3 D+ \/ J" k
从2006年初开始: 14.1% u, P5 Y( v( R! M2 e
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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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' R V0 f% R" A. }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。5 r2 D- l4 S5 ?
( Y) W* p% }2 U) b" z3 m3 ]$ G0 r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:
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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., m8 _( a% X) U2 V
! t# T2 v) b7 X3 k+ d& HCanadian Equity7 S* x9 z& ~' J+ N
1-year 2-year 3-year 5-year Since inception
: s3 a7 Y8 q j7 N) l1 zMLI JF Canadian Equity 22.61% 17.57% 21.11% 17.20% 17.44% Oct 2001, e. j1 i2 n9 v7 X/ ]
S&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% -
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1-year 2-year 3-year 5-year Since inception ! R- m4 C4 H' y6 T
MLI McLean Budden Canadian Equity 28.87% 22.26% 19.54% - 22.26% Apr 2003
H @7 `0 N% U0 e( w5 E. sS&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% - ' _8 f/ v, n* B3 w
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' o" {- P3 @: c! a6 d) d) ?Asset Allocation , V& x6 c3 z, f h( M$ `
2 n/ h& v2 J$ W 1-year 2-year 3-year 5-year Since inception
3 v' I( Q6 {& N7 m2 K1 F* w% W" JMLI Aggressive Asset Allocation 23.63% 18.58% 15.91% 13.86% 11.02% Feb 1999% g. f6 q& J; z) e) N/ x
Blend: MLI Aggressive Asset Allocation 22.08% 19.11% 16.63% 13.85% - # i; R3 w0 |/ f4 z4 ~' E" l
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1-year 2-year 3-year 5-year Since inception
( ]' J% ?+ N2 W3 `7 e. f( @( RMLI Growth Asset Allocation 20.25% 15.34% 13.66% 12.00% 9.64% Feb 1999/ s3 C0 R- Q$ l# h6 m$ i
Blend: MLI Growth Asset Allocation 18.42% 15.41% 13.83% 11.74% - + Z, _% h# d& w3 o9 A
L- p i1 v! v3 ]2 a Y8 g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
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Fund Name 1 Mth 3 Mth 1 Yr 3 Yr 5 Yr 10 Yr
* N+ h, @7 W4 @4 ETD International Index - I -0.5 -2.1 19.8 11.7 8.1 3.6 5 R7 R8 e. o# w; q& c3 z& K# A
TD International Index - e -0.4 -1.9 20.8 12.7 9.2 --- k; M" G! G2 t9 h! [; n6 G0 ]( N
TD European Index - I -0.6 -0.1 25.6 14.3 9.7 --- 2 Y: H6 h, [$ q( H
TD European Index - e -0.5 0.1 26.1 14.8 10.2 ---
7 A5 r9 N+ y; {$ M# D, a" d+ P) T6 w9 VTD Dow Jones Industrial Avg Index - I -2.0 0.2 16.3 1.7 1.4 --- 3 `1 Y; ]/ q1 f4 u5 ^- Q
TD Dow Jones Industrial Avg Index - e -2.1 0.3 16.8 2.1 1.9 ---
' d9 v5 d, Q2 }& t0 g( e% JTD Canadian Index - I -0.9 6.1 21.9 19.1 15.7 9.3
& ?9 h' _ F" G9 G7 ]7 ^5 }TD Canadian Index - e -0.8 6.2 22.4 19.6 16.2 ---
% |, O1 w& l6 {, z9 qTD Canadian Bond Index - I -0.3 -1.9 3.9 4.3 5.0 5.5
+ \' {! i. @7 u' uTD Canadian Bond Index - e -0.3 -1.9 4.3 4.7 5.4 --- + J' ]. T8 [5 L0 {* x1 @
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Fund Name" f& w' k6 l d
(Click to select all) Morningstar Category RRSP Total Assets ($Mil) MER Legal Status . o2 e) \' W ]0 n# q0 s
TD International Index - I International Equity Yes 499.7 1.41 T
& _) ?1 z8 n$ D4 s" r3 [TD International Index - e International Equity Yes 499.7 0.48 T
0 C% X6 b ]2 sTD European Index - I European Equity Yes 83.0 0.99 T 9 ~9 [8 G$ t% i3 x* t6 v
TD European Index - e European Equity Yes 83.0 0.48 T 6 e+ K' P) {, E8 T9 ?
TD Dow Jones Industrial Avg Index - I US Equity Yes 46.6 0.88 T
: V8 O* K- I! `TD Dow Jones Industrial Avg Index - e US Equity Yes 46.6 0.31 T 1 \2 O' O2 Y+ l4 n
TD Canadian Index - I Canadian Equity Yes 869.6 0.88 T 4 j3 o. w. }6 |" k2 D
TD Canadian Index - e Canadian Equity Yes 869.6 0.31 T
8 ^* x0 c7 z6 y* [5 y8 A- a$ `TD Canadian Bond Index - I Canadian Core Fixed Income Yes 703.3 0.91 T # i/ @; p' M/ [2 e
TD Canadian Bond Index - e Canadian Core Fixed Income es 703.3 0.48 T
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8 n9 p- z. C4 U/ H" N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 m- C4 F+ h) o8 Y! f B/ H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。
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9 M" p; a" H7 P9 ` T/ Y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
& ]! l0 G% Z: l1 M" N5 L) |) P资金转到TD.
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9 \! Z4 B+ e; P$ q3 q: ?请精打兄点评。不胜感激。。。 |
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