曾迪文

預設懶人基金

2017-04-11

MPF預設投資俗稱「懶人基金」、「核心基金」之稱的DIS的強積金預設投資策略由2017年4月1日起正式生效。每個強積金計劃都必須各自提供一個預設投資策略(簡稱「預設投資」)。

「預設投資」是一個投資方案、由兩個混合資產基金,即核心累積基金及65歲後基金組成,並有三個特點,分別是採納環球分散投資、隨計劃成員接近退休年齡而自動降低風險,及設有收費上限。若計劃成員因種種原因(例如不懂得或沒有興趣)而沒有為其強積金向受託人給予投資指示,其強積金將會自動投資於「預設投資」。
預設投資策略包括 混合資產基金、保守或保證基金等。兩投資個原則,分別是「環球分散」及「按年齡降低風險」,下設兩個成分基金,即「核心累積基金」及「65歲後基金」。「核心累積基金」內,較高和較低風險投資項目分別佔60%及40%;而「65歲後基金」內,較高及較低風險投資項目則分別佔20%及80%。

 
 但由於混合資產基金,要看其它投資比率,2016年錄混合資產基金得-2.49%及-2.76%回報,而保證基金及保守基金風險極低,相對回報也不會高(比通脹低),如要退休後有正常回報,最好不要只依靠懶人基金作長期投資。

(The above displayed are just writers’ own opinions and for readers’ reference only. Financial markets are volatile and please be careful of the risks.)NOTICE

Investment involves risk. It is as likely that losses will be incurred rather than profits made as a result of buying and selling investment and financial products. Before investment, you should be aware of all the risks involved and carefully consider your investment objectives, trading experience, and level of risk acceptance. If you have any question, please seek advice from an independent professional advisor.

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