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發表於 9-11-2011 16:46:40
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立法會通過無約束力議案，要求全面改革強積金，包括盡快落實強積金自由行，立法規定基金收費上限，容許供款 ...
hk小文 發表於 2-11-2011 10:06 PM 
The concept of Funds is good itself. Being an ordinary person, we don't need to spend too much time on making decisions to buy or sell particular securities / stock shares / publicly listed companies, nor to "study" which shares are ideal for mid to long term investment. By paying 1 to 1.5% of management fee / commissions to "Fund Lo" sounds quite reasonable. But MPF is different, the freaking government doesn't disclose necessary information to the majority of HK people, such as the actual mangement fee + commissions earned by these banks & "fund lo" on yearly basis, or vice versa, how much fees we have to pay on yearly basis.
Back then funds (not MPfunds) were really good, say, HSBC european equity funds could rise 20 to 25% each year, which means investors' assets could be doubled in 5 years ! But for MPF, I've been negligent to investigate how much have been in the past 10 years, yet I'm quite certain that the net profit is less than 40% (not mentioning factors such as inflation, etc). FXXX the FXXXXXX government. :53: |
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樓主: hk小文
