2021年基金成绩单
去年的基金表现很差劲,和2020年的风光正好成反比,原因是大部分的股票基金受到外围因素而影响了基金走势,尤其中国政府在下半年发起严厉监管政策引发了市场恐慌。整体而言,2021年的基金年化收益率为-1.63%,以下是持有基金的年化表现:
Principal PRS Plus Asia Pacific Ex-Japan Equity C: 5.68%
Affin Hwang Bond Fund: -0.34%
Affin Hwang PRS Moderate Fund: -0.61%
Principal PRS Plus Growth A: -3.75%
Principal Greater China Equity Fund: -5.50%
RHB Gold & General Fund: -20.61%
虽然表现不佳,安慰的是基金的收益分配率比上一年好,高达4.05%,分别是:
Principal PRS Plus Asia Pacific Ex-Japan Equity C: 9.82%
Principal Greater China Equity Fund: 4.87%
Principal PRS Plus Growth A: 3.40%
Affin Hwang Bond Fund: 1.20%
Affin Hwang PRS Moderate Fund: 1.20%
趁着今年初领到了花红,便拿出部分现金来增持基金组合,包括去年亏损最多的RHB Gold & General Fund。由于信心不足,所以我也只是象征性的加码RM500而已,没想到后来俄乌战争爆发,避险情绪走高导致大宗商品价格上升,连带推动RHB Gold & General Fund表现,暂时领跑现有组合表现,有点出乎我意料。虽然去年卖出RHB Cash Management Fund、换进RHB Gold & General Fund的举动,在今天看来是正确的决定,但也无法挽回整体基金组合表现的颓势。我持有RHB Gold & General Fund以及Affin Hwang Bond Fund的用意,主要是展开多元化投资来平衡持有股票基金的风险和不确定性,以达到组合保值以及扩增预期回报。虽然说目前因为俄乌冲突、通膨压力以及美联储激进升息,导致全球股市都受到影响,但是长期而言,无论是直接买股还是通过基金买股,我还是相信股票就是最好的投资。
https://investalone.blogspot.com/2022/03/2021_23.html
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