The Power of Stock!

Apple Inc., once again proof the power of stock, Apple Inc, become a listed company since 1985, sold for ~$3.5 a share, up until the bubble of I.T. industry in 2000, the price shoot up to ~$28, some investors thought: hmmm, pretty good! I have been waiting for 15 years! i must sell it now! then he walk away with 800%+ grow

After the bubble has exploded, the price got beaten so badly back to ~$9, those who walked away must be so proud of their own "ingenious", yet after 8 years, the stock price shoot sky high up close to $200 in 2008 before the financial crisis, many were shocked, and some people decide to walk away and think 5,700% growth is too much for them to handle, they cannot ask for me and must stop being greedy.

During the financial crisis, it drops back to ~$85, another waves of walked away investors truly admired their own "ingenious", man, i just escaped a 60% drop!

Guess what? just 3 years, it came back and shoots up to ~$600! this hasn't changed even when the founder of the company Steve Jobs passed away, which give you close to 17,000% growth up-to-date, if you invest $1000 from the beginning, you now can walk away with $170,000, but if you really did, will you walk away now?

Now investment tool can offer what a good stock can offer.

如何知道你選擇的強積金基金是否出色?

香港很多人都不知如何選擇自己的強積金基金, 及如何知道自己選擇的基金是否出色. 我剛剛發明了一個小方法, 可令你知道自己選擇的強積金基金表現是否突出.

方法就是將你一部份的每月供款(如10%)買入強積金計劃裡的指數基金, 現在大部份的強積金計劃都可選擇指數基金. 所謂指數基金(Index Fund)是跟隨大市指數(如恆生指數)買賣的基金, 所以表現和大市的表現差不多, 由於指數基金是消極管理, 所以管理費會比大部份積極管理的基金為低.

為甚麼要將你的投資組合加入少許指數基金呢? 指數基金其實代表大市的表現, 所謂大市表現就像你小學時班上的考試平均分, 如果你想知道自己選擇的強積金基金表現, 是否出色, 就要將其表現跟大市表現比較, 如果幾年都是比指數基金好的, 就像你的小朋友考試分數高於班上的平均分, 也可證明自己的眼光很不錯, 反之可能你就要想想是否需要轉換.

當然你也可以上一些比較基金的網站, 如: Morningstar (http://www.hk.morningstar.com/), 自行比較各種基金跟大市的表現, 但對一般人來說可能會太過複雜, 如果自己的組合內就可看到, 將會是十分方便.

要注意的是, 有些基金管理得可能很好, 但因其昂貴的管理費, 最終回饋給投資者的回報, 可能比大市的表現更差, 在其他地方比較, 可能是比較未收管理費前的表現, 令顯示出來的回報比大市更好, 更甚者, 大多數網站提供的比較是一次過投資的比較, 而不是強積金用每月平均成本法的比較, 所以也很難得到準確的結果, 但如果你的強積金投資組合已經有指數基金, 從每季每年的報告就可以輕易看出你選擇的基金表現, 和大市之間的差距.

另外要注意的是, 不好只比較很短的時間, 因為就算再出色的基金, 也很難每年都跑赢大市, 所以最好是一開始放幾隻你的心水基金, 觀察兩到三年, 就可以大概看出那一二只基金是優勝者或波幅度適合自己的, 以後的日子就可以比較放心集中投資這兩三只基金, 而無需浪費供款在其他基金上. 

這樣一定有人會說, 那不是我要浪費幾年的時間觀察? 答案如下: 有時是必須的, 強積金退休這樣長遠的事, 就像結婚, 如果你是後生, 最好一開始花幾年時間和幾個你心儀的對象相處一下, 因為根本沒有人一開始就可以確定誰是最合適自己.

例子:

Hello World of Investment

This blog is setup specifically for little stories of my investment career, esp. the bits and pieces when i run my private (at the moment) fund named: MECHCalvin Fund

You can visit the fund blog for her reports and performance through the icon above, or this link: http://www.mechcalvinfund.blogspot.com