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致富:月供基金 助年輕一族輕鬆賺取第一桶金

2021年06月11日

上回我們已探討過月供基金相較於強制性供積金(MPF)有更多產品、幣值種類可以選擇,並且收費更便宜、操作更靈活等。這次我們假設一個23歲年輕人,與家人同住,月薪達香港入息中位數約1.9萬元為例,究竟要多久才能儲得100萬元呢?

上回我們已探討過月供基金相較於強制性供積金(MPF)有更多產品、幣值種類可以選擇,並且收費更便宜、操作更靈活等。這次我們假設一個23歲年輕人,與家人同住,月薪達香港入息中位數約1.9萬元為例,究竟要多久才能儲得100萬元呢?

致富財富管理部總經理張德明表示,年輕一族,風險承受能力普遍較高,因為就算在投資初期遇到虧損,但由於是分階段分注去月供基金,只要投資的年期夠長,以平均成本法計算在往後通常都可以賺回虧損的部分。

他指出,起初工作的頭幾年,往往是「搏殺」黃金期,需要在工作上爭取表現,甚至要一邊工作一邊進修,以換取升職加薪的機會。以月供基金形式投資,不單入場門檻較低,也將投資的工作和責任交予給基金經理,使自己更能專注於工作。

不過要留意,由於市面上出售的月供基金,不會如MPF般去嚴格限制使用衍生工具或高槓杆式買賣,故會出現期權基金等高風險高回報的產品。不過,投資者需要在初次購買基金時做財務和風險評估,被評為能承受高風險才可以購買這些高風險產品。張德明亦特別提醒,這些高風險產品如要獲利,需要投資者花時間去留意市況變化,這似乎不適合要專注於工作的年輕人。

以本文起首所假設的年輕人為例,由於他與家人同住不用付房租,故張德明會建議他每月儲6,450元(餘下每月仍有逾12,000元可花),投資於有5厘回報的月供基金,那麼10年便可以達成目標儲到100萬元。而目前市面上,平均每年5厘或以上回報的基金比比皆是,有股票基金或債券基金等。

另外,他亦建議年輕人需留意儲蓄的目的,假如前文的年輕人所儲的錢是留給家人,則建議他同時投保一份定期人壽保險(Term Life) 作保障後盾。以23歲不吸煙男士為例,每年繳付約1 仟多元的保費已有1百多萬的人壽保障額了。人生無常,一旦在投資儲蓄期內不幸身故,亦會有保險賠償金留給家人作為保障,完成未了的心願及目標。

致富擁有多種月供基金給繁忙而又想投資的一族選擇,每月供款低至500港元,首10,000港元(或等值外幣)免認購費,優惠期至2022年12月31日止。

如有任何疑問,致富專業的客戶經理很樂意為客戶解答疑難,歡迎隨時致電或透過致富網站線上查詢

客戶現可透過「致富通」應用程式或致富網頁,靈活投資基金。另透過「致富通」手機應用程式申請網上基金認購,享有低至$0認購費優惠。

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

按此了解更多基金資訊、種類 和 比較



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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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