zaiheyang

今天，我的基金经理（我的RRSP和RESP投资顾问）打电话告诉我，最近基金跌得厉害（将近30%），他希望我不要急，因为金融市场涨跌是正常的。由于本人平时工作忙，加上自己不懂行。所以全权委托顾问选择投资组合。记得当时他告诉我选择的是偏保守风险较小的组合。如果风险小的都跌了30%，不知风险大的会怎样？大家能谈谈自己的情况吗？

yawa9191

那有钱就再买点呗。

nidie

投资顾问说;那有钱就再买点呗。

hello all

yes, in past few months, it dropped but not plunge. mine 7% decrease

Post by zaiheyang
今天，我的基金经理（我的RRSP和RESP投资顾问）打电话告诉我，最近基金跌得厉害（将近30%），他希望我不要急，因为金融市场涨跌是正常的。由于本人平时工作忙，加上自己不懂行。所以全权委托顾问选择投资组合。记得当时他告诉我选择的是偏保守风险较小的组合。如果风险小的都跌了30%，不知风险大的会怎样？大家能谈谈自己的情况吗？

chenhui

低买高卖本来就是获得超额投资收益的不二法则！

Post by nidie
投资顾问说;那有钱就再买点呗。

nidie

想想人家说的有没道理。千万不能认为，自己什么工课都不做，就只依靠投资顾问，除非你不在乎这些钱。投资顾问应该只是你的一部分的资源。你可以向他咨询，但是你一定要有自主权。他所推荐的基金或者股票，只能是你最后做的投资的一个参考。



而基金的好坏除了业绩之外，还要看基金经理的commission，基金的sales type。有的基金是没有任何种sales fee，这种叫no load。有的是买的时候要付sales fee。有的，sales fee是在卖的时候才付。一般不收费的投资顾问，是绝不会向你推荐no load种类的基金，因为他拿不到任何报酬，

lqca

Could you tell us who is your finiancial advisor?
or are they chinese peole or western people?

thanks

zaiheyang

我想具体谁是financial advisor并不重要.但有一点可以告诉你,是华人,而且是经常在报上做广告的某位弟兄.但我想,亏损应该与他没有太大关系,而是目前大盘问题.我确实没有做任何功课,而且作为一个工程技术人员,我也没有能力和时间去做这种功课.我目前只是接到他电话,还没有收到statement,具体情况还不完全清楚.等收到statement,我会将此case贴上供有兴趣的朋友参考.

不管怎么说RRSP还是要买的,一是为减轻税负,二是为以后退休未雨绸缪.只是如何购买,找谁购买确实很难把握.

前几年,mutual fund一直表现很好,也许正如顾问所言,涨跌是正常的.目前只能这样想了.既然投资,就要有亏损的思想准备.

该顾问曾劝我贷款投资,具体是,从银行借20万,然后进行金融投资.因为贷款利息可以抵税,而投资收益作为capital gain只有50%是taxalbe.幸好当时没有太贪心,否则现在损失更大.

lqca

Thanks.

You are right. Never ever borrow money to buy securities.
There's a big risk that you will lose everything.

And to be honest, I don't think your FA is a good guy. Either he is too navie or he is too greed.

chenhui

Over the past several weeks, global stock markets have experienced notable volatility. As you’re aware, in order to successfully navigate peak periods of volatility, investors need to be equipped with a proper perspective and a portfolio outfitted to weather the market’s ups and downs.



As you have discussions with clients, keep in mind market corrections are a healthy, constructive and common process, particularly after a long period of strong growth. This activity will cool much of the speculation that has driven markets up, and reduce excesses. The following points can be used to inform your discussions with clients.

• Focus on the big picture.
  

Despite the challenges of market volatility, the overall long-term direction of the market tends to be up. The longer an investor remains invested, the lower their overall risk and the greater their potential for positive returns.

• Volatility is “normal”.
  

Markets have experienced corrections many times throughout history. Further, periods of high volatility eventually give way to a more moderate regime of price fluctuations—particularly over the long-term.

• Time reduces volatility.
  

Volatility is always most prevalent over shorter time frames, but substantially reduced over longer time periods. As an example, one year holding periods in the S&/TSX show a range of returns as high as 87% and as low as – 39.2%, a range of over 126%. Over time, that range of returns is significantly narrowed. For example, over thirty years, that range tightens to a mere 4.4% with a high of 12.7% and a low of 8.3%.

• Stay the course.
  

Being out of the market can present a very real risk to wealth creation over time. For example, by missing less than 1% of the best trading days on the S& 500 (from the beginning of 1977 to the end of 2005), an investor stood to lose over 90% of the potential return. Most investors who try to time the market only end up selling when prices are low, and miss out on profits when the market recovers. Investors who maintain a healthy perspective about market volatility and don’t lose sight of their long-term goals, stand to gain over time.