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一银行的Market index 的五年保证现金投入的股票值得买


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#1 xiaoding_09

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发表于 2012-03-30 10:36

前几天去一家银行咨询理财事宜,经理跟我聊了半天,看出来我是个能承受低风险的投资者。他建议了一个跟亚洲和欧洲的股票Index相连的一种股票。如果五年内这个股票涨了,银行跟我对半分盈利,但是如果跌了,我还能保证取回我投入的总额。在最差的条件下,我就是失去了一些银行的2%-3% 的五年利率。

我问了同等的政府债券,好像风险跟这参不多。各位高人,请指教。

#2 Vista365

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发表于 2012-03-31 09:24

千万不要相信银行经理的忽悠。基本上这个收益要低于你直接存款的。

#3 xiaoding_09

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发表于 2012-03-31 16:42

我也是有顾虑的, 跟他说我要自己做一下比较。 不过现在银行的存款利率也太低了, 听说SANTANDER还能拿到2%-3% 的定期存款利率。现在的INFLATION RATE 都3.6%了。 所以银行存款也不靠谱。

引用 (Vista365 @ 31 Mar 2012, 10:24) <{POST_SNAPBACK}>
千万不要相信银行经理的忽悠。基本上这个收益要低于你直接存款的。



#4 Vista365

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发表于 2012-03-31 22:52

你可以存长期的定期,现在你拿到银行去投这种,年收益率7-8%就算多了,弄不好就是4-5%,这个是银行有把握做到的,分给你一半,就很少了,而且你还有可能分不到。

#5 qcyshh

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发表于 2012-04-03 09:45

You should at least compare the offerings from other banks. The one only offers 50% upside performance.

If you are not afraid of losing a bit of money, you can put 50% money in a 5y fixed ISA (4.50% p.a. interest). The other 50% to buy Aisa and European indices/fund/futures/option directly. (I would buy in pension warpper, as it give me tax break. You can also buy from stock brokers, spreadbetting companies, CFD companies.) The end return of this method is

-- stock goes up, you get 50% stock performance + 50%*4.50%*5y interest + capital
-- stock goes down, you lose some capital. But you can lose upto 11% in stock market (i.e. stock market falls by 22%) without being worse off than the product.

http://www.moneysavi...cash-isa#fiveyr

Warning: depending on what product you get, the above simple replication might not be exact comparable to the bank's offering. An example is that the Asia index might be denoted in USD/HKD, European index denoted in EUR. The bank packaged product can pay you in GBP in absolute % performance. The simple replication will be affected by exchange rate.
Be wise to-day; 'tis madness to defer.

#6 solarwind

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发表于 2012-04-05 12:46

现在isa也有4.5%的利率啦,如果是fix的话。而且还不用交税。

#7 xiaoding_09

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发表于 2012-04-09 20:57

Wow, thanks for the recommendation and the web link. It is a lot to read and make careful planning. I am a bit worried about putting money in the stock market for fear of its risks. I know people would say 'no pain (risks), no gain'. I like the pension option ideas.







引用 (qcyshh @ 3 Apr 2012, 10:45) <{POST_SNAPBACK}>
You should at least compare the offerings from other banks. The one only offers 50% upside performance.

If you are not afraid of losing a bit of money, you can put 50% money in a 5y fixed ISA (4.50% p.a. interest). The other 50% to buy Aisa and European indices/fund/futures/option directly. (I would buy in pension warpper, as it give me tax break. You can also buy from stock brokers, spreadbetting companies, CFD companies.) The end return of this method is

-- stock goes up, you get 50% stock performance + 50%*4.50%*5y interest + capital
-- stock goes down, you lose some capital. But you can lose upto 11% in stock market (i.e. stock market falls by 22%) without being worse off than the product.

http://www.moneysavi...cash-isa#fiveyr

Warning: depending on what product you get, the above simple replication might not be exact comparable to the bank's offering. An example is that the Asia index might be denoted in USD/HKD, European index denoted in EUR. The bank packaged product can pay you in GBP in absolute % performance. The simple replication will be affected by exchange rate.



#8 xiaoding_09

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发表于 2012-04-09 20:59

听起来不错, 能免税又能有4.5%的利息真不错, 只是需要计划如何考虑五年内不能用得闲钱才可以放进去。
引用 (solarwind @ 5 Apr 2012, 13:46) <{POST_SNAPBACK}>
现在isa也有4.5%的利率啦,如果是fix的话。而且还不用交税。



#9 PsycheYT

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发表于 2012-04-13 12:10

我以前就是设计这种产品的,基本思路就是zero coupon bond + option,银行+broker赚2-5%左右。对于投资者来说,好处也是显而易见的,好理解,比自己操作简单(买option等等都是要交手续费的,而且银行打包买的话可以定制option,自己就只能买市场上已有的)。
缺点一般来说最大的就是流动性问题。虽然五年后保本,但是五年期间如果有急用需要取出,是不一定保本的。尤其看看有没有提前赎回的条款,或者以这个产品抵押贷款的可能性。
投资有风险,入市需谨慎。还有一个就是counterparty risk,也就是说发行这个产品的公司如果在五年内倒闭了,那你作为投资人有些什么权利,是否能拿回你的投资。

#10 jpfan

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发表于 2012-04-13 21:47

for counterparty risk, buy some CDS readytoeat.gif
引用 (PsycheYT @ 13 Apr 2012, 20:10) <{POST_SNAPBACK}>
我以前就是设计这种产品的,基本思路就是zero coupon bond + option,银行+broker赚2-5%左右。对于投资者来说,好处也是显而易见的,好理解,比自己操作简单(买option等等都是要交手续费的,而且银行打包买的话可以定制option,自己就只能买市场上已有的)。
缺点一般来说最大的就是流动性问题。虽然五年后保本,但是五年期间如果有急用需要取出,是不一定保本的。尤其看看有没有提前赎回的条款,或者以这个产品抵押贷款的可能性。
投资有风险,入市需谨慎。还有一个就是counterparty risk,也就是说发行这个产品的公司如果在五年内倒闭了,那你作为投资人有些什么权利,是否能拿回你的投资。


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#11 jpfan

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发表于 2012-04-13 21:54

i might be wrong, but I cannot figure out how you get this 22% drop allowance?

引用 (qcyshh @ 3 Apr 2012, 17:45) <{POST_SNAPBACK}>
You should at least compare the offerings from other banks. The one only offers 50% upside performance.

If you are not afraid of losing a bit of money, you can put 50% money in a 5y fixed ISA (4.50% p.a. interest). The other 50% to buy Aisa and European indices/fund/futures/option directly. (I would buy in pension warpper, as it give me tax break. You can also buy from stock brokers, spreadbetting companies, CFD companies.) The end return of this method is

-- stock goes up, you get 50% stock performance + 50%*4.50%*5y interest + capital
-- stock goes down, you lose some capital. But you can lose upto 11% in stock market (i.e. stock market falls by 22%) without being worse off than the product.

http://www.moneysavi...cash-isa#fiveyr

Warning: depending on what product you get, the above simple replication might not be exact comparable to the bank's offering. An example is that the Asia index might be denoted in USD/HKD, European index denoted in EUR. The bank packaged product can pay you in GBP in absolute % performance. The simple replication will be affected by exchange rate.


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#12 行走消逝

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发表于 2012-04-16 10:10

引用 (xiaoding_09 @ 30 Mar 2012, 10:36) <{POST_SNAPBACK}>
前几天去一家银行咨询理财事宜,经理跟我聊了半天,看出来我是个能承受低风险的投资者。他建议了一个跟亚洲和欧洲的股票Index相连的一种股票。如果五年内这个股票涨了,银行跟我对半分盈利,但是如果跌了,我还能保证取回我投入的总额。在最差的条件下,我就是失去了一些银行的2%-3% 的五年利率。

我问了同等的政府债券,好像风险跟这参不多。各位高人,请指教。


我是做资产管理的,我们之前给多数投资者做的投资组合回报率都在5%-18%。其实我认为你应该根据你个人的投资偏好来做选择。市场的产品太多了。5%income+capital gain/p.a.都是做到了的,比银行存款高很多,还可以有方式免税的。

#13 xiaoding_09

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发表于 2012-04-16 19:33

有5%-18%的投资回报率那么高呀? 风险应该也高吧?

我是做资产管理的,我们之前给多数投资者做的投资组合回报率都在5%-18%。其实我认为你应该根据你个人的投资偏好来做选择。市场的产品太多了。5%income+capital gain/p.a.都是做到了的,比银行存款高很多,还可以有方式免税的。
[/quote]


#14 Vista365

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发表于 2012-04-17 09:05

那肯定了。这些都不是给你任何承诺的,不负责保本。

#15 zhou0818

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发表于 2012-04-18 14:24

投资都是有风险的,关键看自己的承受能力,像楼主那种,还是ISA存定期算了,你看的这投资方案,一样要套住5年。




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