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致富:走出MPF規範 認識月供基金的好處

2021年06月07日

投資需要資本,但對於初出茅廬的年輕人來說,未必可以籌措到一定資金去入場投資。這個時候,月供基金便可以派上用場。致富財富管理部總經理張德明扼要地指出,市面上可供購買的月供基金集收費便宜、彈性大,選擇眾多等好處於一身。可是除了不受65歲之後才可贖回的限制外,月供基金與我們經常接觸的強制性公積金(MPF)又有甚麼不同呢?

投資需要資本,但對於初出茅廬的年輕人來說,未必可以籌措到一定資金去入場投資。這個時候,月供基金便可以派上用場。致富財富管理部總經理張德明扼要地指出,市面上可供購買的月供基金集收費便宜、彈性大,選擇眾多等好處於一身。可是除了不受65歲之後才可贖回的限制外,月供基金與我們經常接觸的強制性公積金(MPF)又有甚麼不同呢?

不論是否MPF,基金要向公眾發售,需獲證監會認可及符合《單位信託及互惠基金守則》的要求。不過MPF須額外遵守積金局的投資限制,例如不可用槓杆式買賣作高風險的投資等,故MPF不會有高風險的投資計劃。

產品選擇多,就是市場銷售月供基金的最大好處。張德明表示,以幣值而言,MPF只得港元作買賣單位;相對市售基金則有多種貨幣單位可供選擇。一個簡單的好處,就是投資者如看好未來某貨幣的升值,在投資於該貨幣的基金時,可同時享受基金回報的上升,以及貨幣上漲帶來的雙重好處。

此外,MPF最為人詬病的是收費蠶食了回報。張德明坦言,MPF在2000年推出至今,收費雖然已見明顯下降,但仍然普遍逾1厘。相較市場銷售的絕大多數月供基金,收費都大大低於1厘,以致富證券為例,每逢基金優惠推出,新客戶便可享24個月免認購手續費。在這一加一減的成本節省情況下,回報便更容易積少成多。

其他彈性方面,月供基金可隨時贖回,而轉換基金計劃時亦較MPF快。張德明指,投資時機至關重要,月供基金最快可即日轉換基金計劃,相較MPF要幾天才能完成,明顯後者已失卻先機。

下期我們會實際探討一下,年輕人用月供基金,究竟要多少年才能儲得100萬元呢?

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



免責聲明
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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