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世界上的事怕就怕认真二字。4 z' s( P& p+ K) r8 y% J) k+ z$ F1 N
收到Manulife GROUP RRSP 半年投资报告。
9 Z2 D" V- D/ z. g+ z3 g$ s# c/ _半年 : 5.8%% Y1 V; R! l9 z! J3 K$ q6 P5 i
1年 :18.9%
' A( b) u5 [' k2 w从2006年初开始: 14.1%' k0 G; {! p _/ H
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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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' x) A6 S% |' ]6 o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。/ ` ~+ |; c9 ]
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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.+ Y0 A4 i2 @2 F+ Z
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Canadian Equity
; I+ }# F: |1 U) Q, z 1-year 2-year 3-year 5-year Since inception 5 G$ L9 ?, Y8 f u
MLI JF Canadian Equity 22.61% 17.57% 21.11% 17.20% 17.44% Oct 2001
; O- @# C* L1 M( j% oS&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% - 1 A$ ?" f4 B" a
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1-year 2-year 3-year 5-year Since inception 4 C, g, d3 j* H
MLI McLean Budden Canadian Equity 28.87% 22.26% 19.54% - 22.26% Apr 2003
6 r5 E7 `- o: j0 R' DS&P/TSX Total Return 22.73% 21.18% 20.12% 16.56% -
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Asset Allocation
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1-year 2-year 3-year 5-year Since inception
9 F# N! Y+ ]4 W3 r& GMLI Aggressive Asset Allocation 23.63% 18.58% 15.91% 13.86% 11.02% Feb 1999
- Z& h1 q$ P# W* UBlend: MLI Aggressive Asset Allocation 22.08% 19.11% 16.63% 13.85% -
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5 m. p( U; c7 M4 S6 a/ v 1-year 2-year 3-year 5-year Since inception 6 Q' D, Q9 U8 ^ W8 C* R
MLI Growth Asset Allocation 20.25% 15.34% 13.66% 12.00% 9.64% Feb 19990 S. Z1 J0 g/ L" R
Blend: MLI Growth Asset Allocation 18.42% 15.41% 13.83% 11.74% - ( F# q( U; a; m8 d
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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 " v$ b- L& e+ P, ]6 E" H
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$ r3 p$ o+ k$ W4 X; Y+ s4 D/ T* `' }Fund Name 1 Mth 3 Mth 1 Yr 3 Yr 5 Yr 10 Yr $ a& ?" I* w# M, K" ~( F5 v) h* I
TD International Index - I -0.5 -2.1 19.8 11.7 8.1 3.6 9 A* h8 ?( A4 z7 R
TD International Index - e -0.4 -1.9 20.8 12.7 9.2 ---
. K1 N4 F/ j2 oTD European Index - I -0.6 -0.1 25.6 14.3 9.7 --- # [4 _. ~( r, U5 P$ D
TD European Index - e -0.5 0.1 26.1 14.8 10.2 --- 8 K0 L" B0 d% c7 d* ^
TD Dow Jones Industrial Avg Index - I -2.0 0.2 16.3 1.7 1.4 --- % {3 {& G2 r q( E
TD Dow Jones Industrial Avg Index - e -2.1 0.3 16.8 2.1 1.9 --- ; j; ^' \2 O" M1 R& O9 Y& o
TD Canadian Index - I -0.9 6.1 21.9 19.1 15.7 9.3 ' g, Y$ b4 ?( P' f0 e
TD Canadian Index - e -0.8 6.2 22.4 19.6 16.2 ---
7 M# R) \2 w1 v# i4 BTD Canadian Bond Index - I -0.3 -1.9 3.9 4.3 5.0 5.5
* {' W. a* a& b7 \1 p) u! {2 yTD Canadian Bond Index - e -0.3 -1.9 4.3 4.7 5.4 --- 1 c7 I8 P$ W d0 \# g$ Z# ]( @
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3 o) H" s$ W* _$ a6 \9 zFund Name
9 p- l( A/ Y {5 |3 K(Click to select all) Morningstar Category RRSP Total Assets ($Mil) MER Legal Status
: Q: o, T7 K% r9 |# i% L$ M+ n, j1 @TD International Index - I International Equity Yes 499.7 1.41 T - V5 `4 W3 m5 b4 {2 K
TD International Index - e International Equity Yes 499.7 0.48 T
0 R. z3 U; _8 t2 Q: RTD European Index - I European Equity Yes 83.0 0.99 T
^) \4 |% a3 N5 X* yTD European Index - e European Equity Yes 83.0 0.48 T
" K5 H5 m* ?" M: F. ZTD Dow Jones Industrial Avg Index - I US Equity Yes 46.6 0.88 T 6 ?& s8 y$ H9 u; [/ z; m) G! N* g
TD Dow Jones Industrial Avg Index - e US Equity Yes 46.6 0.31 T 2 K) ~. Y! Y: q+ y8 H6 b1 V
TD Canadian Index - I Canadian Equity Yes 869.6 0.88 T , c4 a+ Q7 W9 i9 H
TD Canadian Index - e Canadian Equity Yes 869.6 0.31 T
; [& H: U, @; B2 hTD Canadian Bond Index - I Canadian Core Fixed Income Yes 703.3 0.91 T
8 F0 `* f3 h# _, e/ uTD Canadian Bond Index - e Canadian Core Fixed Income es 703.3 0.48 T
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; P# Y, E/ \4 U5 _6 x3 O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
; \9 [( o0 a4 s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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% R Y; N v0 N6 F- n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
- R3 ^+ q( j: x1 {6 \/ E3 J5 z资金转到TD.
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请精打兄点评。不胜感激。。。 |
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