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贷款投资

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61#
发表于 2008-10-3 23:48 | 只看该作者
就算是stock, 也是有交易费的呀, 否则你的broker喝西北风啊! 反正他们都有commission的啦, 这里是没有雷锋的...

看看大姐给你找的info, 这下摸着自己的脑袋了吧:

Income trusts trade like stocks on the stock exchange. Your costs may include:
Sales fees. These are the commissions you pay to buy and sell units of an income trust.
Management fees. These fees are similar to the Management Expense Ratio (MER) of a mutual fund. They add an extra layer of cost to your investment.

Post by fatlayschips
大哥/大姐啊,麻烦您看清楚了再发言,第一,我买的不是mutual fund,而是Income Trust Fund,不一样的东东啊。第二,我也不是在银行买的,而是通过stock broker买的,和股票交易一样,我自认已经写得很清楚了亚。

多谢您回帖的一片好心,只是开着轰炸机一通乱扔,炸得河里鱼肚翻滚,我在岸上摸不着头脑啊
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62#
发表于 2008-10-3 23:54 | 只看该作者
Post by VVMM
就算是stock, 也是有交易费的呀, 否则你的broker喝西北风啊! 反正他们都有commission的啦, 这里是没有雷锋的...

真是不知道您在说什么,这不是废话嘛。我的帖子里已经很清楚地写明了是有commision的。我都已经实践操作过了,commision也都付了,买的两个基金,总共交易费10块钱。人家有了这10块钱,都不用喝西北风了,至少能喝上可乐了,您不用担心啊。

我们又不是在讨论雷锋的问题,您到底想表达什么啊?
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63#
发表于 2008-10-4 00:00 | 只看该作者
表达的意思就是你不知道的不等于没有. 你以为你的broker就比USC的agent高尚吗? 雷锋只是个比喻. 你倒是看不看得懂中文啊.

再来一段E文的你自己看:

Investors Income Trust Fund
Annual Management Report of Fund Performance
For the 12-month period ended September 30, 2007
[url="http://www.investorsgroup.com/english/prodServices/investments/files/07-09_mrfp/F157_MRFP.pdf"][/url]

Management Fees
Each series of the Fund pays Investors Group a management fee. The management fee paid by each series is calculated as a percentage of the net asset value of the series, as of the close of business on each business day. Management fees were used in part to pay costs incurred in providing investment advisory and management services, and distribution related services including the cost of financial planning services, consultant commissions and bonuses, marketing and other Fund promotional activities and educational conferences.
For the year ended September 30, 2007, on average approximately 50% of the total management fee revenues received from all Investors Group Funds was attributable to investment advisory and management services. The balance
of these fees was used to fund the payment of distribution related services.
For this Fund, investment advisory and management services represented approximately 55%, and distribution related services represented approximately 45%, of the management fees paid for the year ended September 30, 2007. This may vary by series depending upon the assets invested in each series.

Post by fatlayschips
真是不知道您在说什么,这不是废话嘛。我的帖子里已经很清楚地写明了是有commision的。我都已经实践操作过了,commision也都付了,人家都不用喝西北风了,您不用担心啊。

我们又不是在讨论雷锋的问题,您到底想表达什么啊?
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64#
发表于 2008-10-4 00:04 | 只看该作者
Post by investsmart
感觉你对金融市场和金融产品是有一定认识的。也很高兴你已经知道关于INCOME TRUST税务调整的规定。这也是这类产品的风险所在。
问题是,对于大多数朋友来说,他们不一定知道怎么选择合理的基金产品。这里牵涉到分散投资,资金风险控制,资本保全等很多专业概念。可以说甚至一些理财顾问都不一定知道。这也就是为什么选择理财顾问时要多问个究竟。如果他回答不了你的问题,你放心让他理财吗?
514-467-2558  KEXI SUN

谢谢您的鼓励。您也加油,一定会找到放心让您理财的朋友的。
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65#
发表于 2008-10-4 00:45 | 只看该作者
真是越弄越糊涂了,您google半天搬出来的,还是个[size=+1]Mutual Fund的说明啊。不是叫这个名就是这个种啊,鲸鱼它可不是鱼啊。

再说了,这个Investors Income Trust Fund的管理费也不是broker收啊,broker只管commision,不然不成了乱收费乱摊派了呢,您干吗不问青红皂白先把它给毙了呀?

还是您想说的是broker和USC的agent谁比谁更高尚啊?真奇怪,我半句都没提过什么USC的agent,也从来没有和他们打过交道,您干吗莫名其妙把这个给扯进来,关他们屁事啊?

您到底想用雷锋比喻什么呢?替那些因为钱多而闹心的,帮忙烧钱的主?

Post by VVMM
表达的意思就是你不知道的不等于没有. 你以为你的broker就比USC的agent高尚吗? 雷锋只是个比喻. 你倒是看不看得懂中文啊.

再来一段E文的你自己看:

Investors Income Trust Fund
Annual Management Report of Fund Performance
For the 12-month period ended September 30, 2007


Management Fees
Each series of the Fund pays Investors Group a management fee. The management fee paid by each series is calculated as a percentage of the net asset value of the series, as of the close of business on each business day. Management fees were used in part to pay costs incurred in providing investment advisory and management services, and distribution related services including the cost of financial planning services, consultant commissions and bonuses, marketing and other Fund promotional activities and educational conferences.
For the year ended September 30, 2007, on average approximately 50% of the total management fee revenues received from all Investors Group Funds was attributable to investment advisory and management services. The balance
of these fees was used to fund the payment of distribution related services.
For this Fund, investment advisory and management services represented approximately 55%, and distribution related services represented approximately 45%, of the management fees paid for the year ended September 30, 2007. This may vary by series depending upon the assets invested in each series.
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66#
发表于 2008-10-4 04:54 | 只看该作者

一定会找到放心让您理财的朋友的

有些人一定会找到放心让您理去财的朋友的。

Post by fatlayschips
谢谢您的鼓励。您也加油,一定会找到放心让您理财的朋友的。
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67#
发表于 2008-10-5 07:57 | 只看该作者
感谢楼上先生!
我是一个热衷于各种投资的人,但是最近两年已经是一个十足的谨慎派。
一场金融风暴9月中旬席卷华尔街,美国五大投资银行在不到两周内全部消失,最大保险公司被政府控股面临重组,这就是我最近一直说的两百谨慎的大背景。
祝大家都一样形势早日看好!
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68#
发表于 2008-10-5 11:26 | 只看该作者
如果有哪个“理财顾问”误导过客户,诱使客户去投资昂贵的贷款投资或者分红式保险,使客户造成严重损失的,客户可以告发此人到魁北克金融纪律委员会,让他(她)吃吃官司。

这是投诉表格的链接

http://www.lautorite.qc.ca/userfile...nte_A_final.pdf

投诉地址:

800, square Victoria, 22e étage
C.P. 246, tour de la Bourse
Montréal (Québec) H4Z 1G3                                                                                                                                                                                                                           
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69#
发表于 2008-10-11 01:47 | 只看该作者
奇怪, 没人规定你没提的我也不能提啊, 这里不是在讨论RESP啦投资嘛, 我只是说一句怎么投资都是有费用的, 除非是自己去股市里操作, 那就是纯粹的自负盈亏, 只要交易费或一个self-direct account就可以了.

你可能就付了$10给broker, 但是关于broker具体收多少commission你是不知道的, 就象去银行买, 都不用多交什么费用, 但是那些advisor还是有提成的.  至于你买的income fund, 虽然跟mutual fund有所不同, 我认为里面还是隐藏其他费用的, 因为一个trust本身是需要有人操作的, 当然不是给broker. 就象一个group计划里100块的enrolment fee, 公司拿大部分, 代理只能拿一部分. 雷锋是大公无私的主, 你就别老跟他过不去了.

What is an income trust?
An income trust is an investment that is designed to distribute cash to investors. It shares the features of a number of other types of investments.   


How does an income trust work?

Income trusts trade like stocks on the stock exchange. Your costs may include:

•       Sales fees. These are the commissions you pay to buy and sell units of an income trust.

•       Management fees. These fees are similar to the Management Expense Ratio (MER) of a mutual fund. They add an extra layer of cost to your investment.

What choices do I have when I invest in income trusts?
Many Canadians have invested in income trusts in recent years. There were just 70 income trusts and similar products listed on the Toronto Stock Exchange (TSX) in 2000. By 2006, that number had more than tripled.

There are many different kinds of income trusts. The type of trust depends on the type of businesses it invests in.

Four common types of income trusts

1. Royalty/energy income trusts

Royalty trusts have been around for years. They mostly invest in oil or gas properties, or some other natural resource. Sometimes resource prices go up and the company makes more money, so the trust may pay its investors a lot of income. The trust’s unit price may go up as well, so investors can make money if they sell their units. If the price of oil or gas drops, however, distributions may be reduced and units can drop in value.

Also, oil and gas wells will run out in time. Unless the trust invests in new properties, it will have to wind down and investors may be left with units having little or no remaining value.

2. Real estate investment trusts (REITs)

3. Utility trusts

4.  Business investment trusts

Another option: Income trust funds

Some mutual funds invest in income trusts. Some people call them income funds, but the correct name is income trust funds.

Your costs may be higher because you pay for the fund manager's skill in choosing the income trusts and managing the fund. The fund also passes on the costs of buying the underlying income trusts. The main benefit is that you diversify because you are investing in many income trusts instead of just one.

Important news: On October 31, 2006, the Department of Finance announced changes to the tax rules for income trusts that are now law. Income trusts are now taxed the same as Canadian corporations. The goal: to remove the tax advantages that trusts had over corporations in the past.

The changes will apply to new income trusts that start up after October 31, 2006. For income trusts formed before that date, the changes will apply in the 2011 tax year. The one big exception: certain Real Estate Investment Trusts (REITs).

Remember: Income trusts have certain drawbacks

The tax rule changes may reduce the amount of income that investors get. Also, many investors don’t know that a trust can stop paying distributions at any time. So if you’re going to buy an income trust, do your homework. You may also want to consult a professional adviser to help you choose the right investment.


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Post by fatlayschips
真是越弄越糊涂了,您google半天搬出来的,还是个[size=+1]Mutual Fund的说明啊。不是叫这个名就是这个种啊,鲸鱼它可不是鱼啊。

再说了,这个Investors Income Trust Fund的管理费也不是broker收啊,broker只管commision,不然不成了乱收费乱摊派了呢,您干吗不问青红皂白先把它给毙了呀?

还是您想说的是broker和USC的agent谁比谁更高尚啊?真奇怪,我半句都没提过什么USC的agent,也从来没有和他们打过交道,您干吗莫名其妙把这个给扯进来,关他们屁事啊?

您到底想用雷锋比喻什么呢?替那些因为钱多而闹心的,帮忙烧钱的主?
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70#
发表于 2008-10-12 13:57 | 只看该作者
就算我没有说清楚好了。我就是您所说的那个”除非“。我就是自己在股票交易网站开了一个self-direct account,买的这些income fund,我就是自己在股市里操作的, 我就是只要交易费就可以了。我就是纯粹的自负盈亏。我也问过了,他们对RRSP,RESP都是没有管理费用的。

全世界都同意怎么投资都是有费用的,在那里买股票都要交起码4块9毛5呢。反复强调一个大家都公认的事实,貌似没有什么价值。我们想的无非是怎样增加回报,减少费用而已。我只是分享了一下自己操作RESP的个人经验,如果您有什么值得分享的,在下洗耳恭听。

以上。
Post by VVMM
奇怪, 没人规定你没提的我也不能提啊, 这里不是在讨论RESP啦投资嘛, 我只是说一句怎么投资都是有费用的, 除非是自己去股市里操作, 那就是纯粹的自负盈亏, 只要交易费或一个self-direct account就可以了.

你可能就付了$10给broker, 但是关于broker具体收多少commission你是不知道的, 就象去银行买, 都不用多交什么费用, 但是那些advisor还是有提成的.  至于你买的income fund, 虽然跟mutual fund有所不同, 我认为里面还是隐藏其他费用的, 因为一个trust本身是需要有人操作的, 当然不是给broker. 就象一个group计划里100块的enrolment fee, 公司拿大部分, 代理只能拿一部分. 雷锋是大公无私的主, 你就别老跟他过不去了.
  
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