Re: [請益] 27歲投資理財規劃
我看到推文 我真的笑了
想到阿嬌說過 好傻好天真
沒想到一個鋒哥 還在後面
先說不好意思 沒有全部看完
看到"定期定額 基金 簡單 年報酬率10%"
這幾個關鍵字 我笑了
沒有任何人可以保證以後20年 平均報酬率10%以上的基金
(25歲-60歲就不只20年)
各位一定很熟悉以下的內容
「…惟基金投資並非絕無風險,基金公司過去的信託管理績效不保證基金之最低收益,
基金公司除盡善良管理人之注意義務外,不負責信託財產之盈虧,亦不保證最低之收益。
」
還會加一句
「投資人投資前應詳閱公開說明書…」
白話文:「你賠錢我沒責任,但我(基金公司)賺錢」
首先是"基金" 他定義是甚麼? 或許很多人買基金也不懂 (懶得解釋了)
就輕輕鬆鬆以為能夠賺大錢 (不好意思 穩定年報酬率10%對我很多)
基金有哪幾種?
股票型 債券型 貨幣型 綜合型
國內 國外 全球 等等
以股票型基金來說 他本質是股票
包裝了 基金管理費 基金手續費 操作股票費用(股票手續費、證交稅) 廣告費
基金公司營運費用、人事成本(高階主管的高薪) 等等
白話點就是 你拿錢給別人爽
台灣的股票型基金一年有幾檔可以贏過大盤的報酬率 維持幾年?
假如你說 你操股一定可以贏過大盤 那你與金字塔頂端的基金經理人一樣了 嘴砲
人家鋒哥都醒了~ 快醒醒吧~
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