政府年金並非投資而係保險, 此點長者必需明白. 它與街外金融機構發行的年金比較可算毫無吸引力. 但有點係鐵一般的事實, 政府年金的安全性是民營者所無法可比的. 民營年金首要考慮係所發行的年金對公司的貢獻, 這點正與產品購買者的利益相反, 而政府年金並無賺取利益須要, 得民心才係首要目的, 搵笨機會甚低.
但極須注意 你若未瓜又想提早取回年金會損失好大. 而若購買者走了, 繼承者只能取回剩額, 即若八十多歲才走, 繼承者會無$取回. 而每個人的環境有異, 計清楚是否適合自己才好去買, 有人話政府年金會輸給通貨膨脹, 但怎都比輸給老千股 掘曠機 甚至匯豐好掛! 當然你自覺係投資高手就不要買, 重覆一句政府年金並非投資而係保險.
*香港長者3大退休王牌籃藍股 2004年恒生銀行(011)約每股$100, 十六年後現價$135, 就算計埋股息, 都不能算是好的投資. 而匯豐控股(005)就更差勁, 當年約$120, 現今得$40. 表現最佳的中電控股(002), 十六年後股價亦只係升了一倍, 若無通脹的話都可算不錯吧!
From May2004 upto Mar2020, 011.HK had paid dividends totally @HK$97.40/share.
回覆刪除Now is around HK$135.20, so summing up is HK$232.60.
I think 011.HK should be classified as "good investment".
^_^
P.S. No calculation for reinvestment returns from dividends received.
刪除Inflation
刪除Anyway I prefer I got $1m in 2004,better than get $2.32m today.
刪除But there was no gov't annuity by that time. What would you invest ?
刪除^_^
P.S. Just my straight talk.
刪除Buy house, I did
刪除That time <$0.8m you can buy a >500ft apartment in NT, down payment $0.24m only
刪除Except buying an apartment, if you got extra idol cash HK$1M, what would you invest?
刪除^_^
Today I will tell you to buy Telecent in 2004
刪除三大王牌退休收息股执执位，滙丰剔出加入领展
回覆刪除信自己最正確
刪除Billy哥!有冇研究過其他保險公司年金,好似萬通保險嘅年金都好似幾好喎,佢都係一筆過畀, 55歲開始而且都有五厘以上.
回覆刪除2008年AIG(全球最大保險公司)差點執笠.我心血少受不起剌激.
刪除