保证安全, 年回报>5% 的投资
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我也在找，但有几个问题要先问自己。
投资额多少？
投资期限，多长？一年，还是RRSP那样30年？
中间要去利息吗？比如每年取5%，还是到期一次取出？
安全性，你已经说了绝对安全，我要找的是长期比较安全。
税务考虑？
钱取出来，干什么用？养老，还是留给子女？
几个选择，
GIC,现利率只有1点几，安全
money market fund,利率只有1点几，安全
bond fund,收益捎好一点，但如加息，会损失很大，尤其现在利率较低。
real return bond,如有通涨，回报也会上涨，但收益小于普通的政府债券，如有通缩，会损失。
保本对冲基金，因为保本，最低收益是0
股票，长线安全，短线风险很大，尤其是平均公司寿命不到10年。
指数基金，ETFs,ETF有时并不follow指数。
外汇：收益率不好算。
非金融投资：
房地产，公司，人寿保险等。
总之，还没找到。请大家帮忙。
或退而求其次，较好的也行。
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Re: Re: 保证安全, 年回报>5% 的投资
money market fund,利率只有1点几，安全[/QUOTE]
RRSP和REP里面的MONEY MASTER也都有2％， 不用投资那些FUND。而且有CIDC的保证。
bond fund,收益捎好一点，但如加息，会损失很大，尤其现在利率较低。
real return bond,如有通涨，回报也会上涨，但收益小于普通的政府债券，如有通缩，会损失。
保本对冲基金，因为保本，最低收益是0
股票，长线安全，短线风险很大，尤其是平均公司寿命不到10年。
指数基金，ETFs,ETF有时并不follow指数。
外汇：收益率不好算。
非金融投资：
房地产，公司，人寿保险等。[/QUOTE]
通过金融工具操作，高风险，就有高回报的可能。不过需要自己多研究研究，基本都不能保证收益。但一些DIVIDEND FUND或者INCOME长期确实有相当不错的表现。
没那么低，如果你长期比如一下五年，数目也还算大，怎么也有3.5以上，而且还可以谈。
money market fund,利率只有1点几，安全[/QUOTE]
RRSP和REP里面的MONEY MASTER也都有2％， 不用投资那些FUND。而且有CIDC的保证。
bond fund,收益捎好一点，但如加息，会损失很大，尤其现在利率较低。
real return bond,如有通涨，回报也会上涨，但收益小于普通的政府债券，如有通缩，会损失。
保本对冲基金，因为保本，最低收益是0
股票，长线安全，短线风险很大，尤其是平均公司寿命不到10年。
指数基金，ETFs,ETF有时并不follow指数。
外汇：收益率不好算。
非金融投资：
房地产，公司，人寿保险等。[/QUOTE]
通过金融工具操作，高风险，就有高回报的可能。不过需要自己多研究研究，基本都不能保证收益。但一些DIVIDEND FUND或者INCOME长期确实有相当不错的表现。
This is the fund for short term
Performance as of November 30, 2004
Primerica Asset Builder II
period fund grp average index
1 month 1.69% 1.71% 1.71%
3 month 4.88% 4.12% 4.08%
6 month 5.01% 3.72% 3.65%
1 year 12.45% 9.75% 9.70%
3 year 6.00% 4.44% 3.80%
5 year 6.10% 4.16% 3.83%
10 year 9.41% 7.32% 7.22%
Initial Lumpsum: 500
subsequence lumpsum: 50
RRSP eligible
minimum PAC: 25
Capitial Guarantee: 75%
Load: back end
10% free withdraw every calender year
just a note: Inflation is 3% last year, means if you put GIC for 2%, mean you are losing purchase power over the years. If you put in 3%, mean the purchase power is the same.
Performance as of November 30, 2004
Primerica Asset Builder II
period fund grp average index
1 month 1.69% 1.71% 1.71%
3 month 4.88% 4.12% 4.08%
6 month 5.01% 3.72% 3.65%
1 year 12.45% 9.75% 9.70%
3 year 6.00% 4.44% 3.80%
5 year 6.10% 4.16% 3.83%
10 year 9.41% 7.32% 7.22%
Initial Lumpsum: 500
subsequence lumpsum: 50
RRSP eligible
minimum PAC: 25
Capitial Guarantee: 75%
Load: back end
10% free withdraw every calender year
just a note: Inflation is 3% last year, means if you put GIC for 2%, mean you are losing purchase power over the years. If you put in 3%, mean the purchase power is the same.
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hi, I am just wondering if that funds is in a life insurance segregated funds or mutual funds? Normally, segregated funds or mutual funds in life insurance will guarantee 75% or even 100% capital guarantee, but it required keeping investments in funds for at least 10 or more years.
hi there,
regular mutual funds will not have any capital guarantee but regular seg funds ( from life insurance companies ) that gurantee 75% or 100% will have a very low rate of return.
Primerica Asset Builder II is a short term, that has the potential of return like a mutual funds, but have the peace of mind like a seg fund.
10 years minimum investment period doesnt mean you have to put there for 10 years. You can take your money out, but will back end load. Usually the load will decrease in time.
Seg fund is the best choice for business owner, the have the creditor protection feature, but mutual funds can be accessible by creditor means the creditor can take the money from mutual funds and cash it and paid them back.
regular mutual funds will not have any capital guarantee but regular seg funds ( from life insurance companies ) that gurantee 75% or 100% will have a very low rate of return.
Primerica Asset Builder II is a short term, that has the potential of return like a mutual funds, but have the peace of mind like a seg fund.
10 years minimum investment period doesnt mean you have to put there for 10 years. You can take your money out, but will back end load. Usually the load will decrease in time.
Seg fund is the best choice for business owner, the have the creditor protection feature, but mutual funds can be accessible by creditor means the creditor can take the money from mutual funds and cash it and paid them back.
