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致富:移民不妨自製MPF 基金分散投資減風險

2021年10月18日

積金局9月上旬公布季度《強制性公積金計劃統計摘要》中顯示,今年第二季提取強積金的申索總數有60,200宗,較上一季的66,600宗下跌10%。其中,以永久離港為理由而提取強積金的申索總數有8,000宗,較上一季的7,700宗增加4%,意味移民數量或有所上升。

積金局9月上旬公布季度《強制性公積金計劃統計摘要》中顯示,今年第二季提取強積金的申索總數有60,200宗,較上一季的66,600宗下跌10%。其中,以永久離港為理由而提取強積金的申索總數有8,000宗,較上一季的7,700宗增加4%,意味移民數量或有所上升。

雖然一直沒有實質數字證明近期港人移民數量上升,但總有所耳聞,或身邊總不乏查問移民海外資料的朋友。移民牽涉各種問題,為大部分預先計劃好財富管理的人增添變數,強積金便是其中一項,因它是本港大部分在職人士的退休保障計劃之一。不過,若決定了移民,便要把這筆資金提早取回,今期將討論如何善用這筆資金,使它可繼續成為將來退休的保障。

致富財富管理部張德明表示,若不急於應用這筆款項,市民不妨將這些資金重投基金市場,自製「MPF」。考慮到移民初期,需要用較多時間和心力去安頓及適應新環境,相比起把資金投放在股票市場,投資基金會較為適合。他指出,若市民在移民後仍希望在較熟悉的香港市場作投資,將面對兩項挑戰:一是剛才提及的個人的適應問題,所需時間因人而異,短則年內,長則數年不等,要把大部分時間放在處理日常生活中,難以緊貼市況;其次是時差,到別國生活,時差是必然的,影響取決於差異有多大。因此,投資者恐難以兼顧身處的時區,以及香港股市。

張德明指,委託可靠的財務顧問或透過致富網上的基金專頁,便能協助客戶解決以上大部分問題。專業的財務顧問,可協助客戶揀選合適的基金,而致富的網上系統,亦載有綜合理財資訊予客戶參考,籌劃適合個人的基金投資組合。基金由專業的投資經理管理,亦有強大的研究團隊分析大市及在市場搜尋適合的投資選項,這些能夠為客戶節省不少投資決策的時間。但張氏強調,即使有基金經理幫助,投資者也要先對個別基金有所了解,以及認清自己的投資目標及個人風險承受能力。他指基金具分散投資效用,有助減低投資風險,不致令資金過度集中某些市場或資產上。基金可以包括不同的投資主題,有些是作環球市場的投資,以及以行業作分野。前者把投資組合以地區或國家劃分,後者則以企業種類界定。

張氏建議投資者宜制定個人投資目標及作風險評估,以便作基金選擇、年期等決定時,有更清晰的藍圖作為依據。最後,他提醒移民的投資者,需注意當地對海外投資的法規限制,如會否額外作稅務申報、是否合資格作海外投資等事宜。

致富提供24間基金公司、合共約500隻認可零售基金供投資者選擇。如果大家在自行挑選基金上遇有疑難,歡迎隨時聯繫致富的客戶經理,獲取專業的投資理財建議 按此

投資基金「零」負擔

透過「致富通」應用程式或致富網頁,投資基金「零」負擔,單次認購或月供計劃一律免佣,基金購金額更低至 5,000港元 或 700美元,另購買精選保險享有高達50%折扣優惠。

致富有提供債券、基金一站式投資策略,比供客戶選擇。想知道和了解更多,請即刻聯絡我哋們投資策略專員解答疑難!

WhatsApp : 投資策略專員

更多基金資訊、種類 和 比較:

連結



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上述報告由致富證券有限公司(「本公司」)所提供,所載之內容或意見乃根據本公司認為可靠之資料來源來編製,惟本公司並不就此等內容之準確性、完整性及正確性作出明示或默示之保證。上述報告內之所有意見均可在不作另行通知之下作出更改。上述報告的作用純粹為提供資訊,並不應視為對上述報告內提及的任何產品買賣或交易之專業推介、建議、邀請或要約。本公司及其附屬公司、僱員及其家屬及有關人士可於任何時間持有、買賣或以市場認可之方式,包括以代理人或當事人對本報告內提及的任何產品進行投資或買賣。投資附帶風險,投資者需注意投資項目之價值可升亦可跌,而過往之表現亦不一定反映未來之表現。投資者進行投資前請尋求獨立之投資意見。本公司在法律上均不負責任何人因使用本報告內資料而蒙受的任何直接或間接損失。本公司擁有此報告內容之版權,在未獲本公司許可前,不得翻印、分發或發行本報告以作任何用途。

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