检讨基金组合的投资方式
好久没有来谈谈本身的基金组合了,主要还是因为持有6档的基金表现在过去一年真的不是很怎么样,所以也没有很大的兴致来讨论。不过前几个星期,公司的基金经理有来拜访,就有和她聊到基金投资。正好本身是通过定期定额储蓄计划 (RSP) 来每月买进AHAM Bond Fund,我提起这档基金的回酬不是很理想。
然而对方却指出,用RSP方式来购买债券基金不是很恰当,根据过去历史趋势来看,债券基金的价格波动不会太大,因为其价格走势其实是受到利率变动影响,因此可以根据市场利率来判断买进或卖出。反观,RSP更加适合用在股票基金,因为股票价格是都在不断变化,一般人很难准确地在最高点卖掉,或者在最低点买进,更多时候我们却是追高杀低,反而赔偿了不少金钱和努力。
因此RSP的固定操作正好可以减少情绪焦虑和投资失误,因为长期来看,股票走势会是向上的,只要我们不是抱着投机心态,想在最短时间内获利最大化,那么,RSP的平均成本法可以拉低持有成本来减少市场风险,从而提高长期回报。
听了她的一番解释后我才恍然大悟,原来过去四年都用错了方法!难怪基金成绩很不理想,还要自己安慰自己说这些基金要持有很多年才能看到良好回酬。因此接下来的几天想来想去,于是决定中止AHAM Bond Fund的RSP订购,转为RSP方式来买进AHAM PRS Moderate Fund和Principal PRS Plus Asia Pacific Ex-Japan。
另外,我也准备套现Principal RetireEasy 2040,转为买进RHB Cash Management Fund 2,理由是前者不是我选的,而是我买进的首档基金 - Principal PRS Plus Growth在去年停止后就被基金管理人转换来Principal RetireEasy 2040;而想买进RHB Cash Management Fund 2的原因是由于目前高利率环境,因此货币基金的回报相当好,甚至还跑赢部分银行的定期存款呢。
总结来说,即使基金适合长期投资,但也要时不时重新检视组合绩效,否则放住不理,反而会失去纠正组合的时机而影响到整体组合绩效。
https://investalone.blogspot.com/2023/09/Unit-Trust-PRS.html
Singapore Investment
-
-
-
-
-
Cory Diary : Portfolio Updates15 hours ago
-
-
-
-
I have Achieved Lean FIRE!!16 hours ago
-
-
-
-
-
-
Best Fixed Deposit Rates in July 202522 hours ago
-
Bearing it all alone22 hours ago
-
-
-
-
-
-
-
-
-
The Art of Being Patient2 days ago
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
Portfolio Summary for June 20254 days ago
-
-
-
Portfolio (June 30, 2025)5 days ago
-
Portfolio (June 30, 2025)5 days ago
-
-
-
-
-
Month of June 20255 days ago
-
June 2025 Updates5 days ago
-
-
-
-
Batisht crazy!1 week ago
-
-
Will SORA crash to 1 per cent?1 week ago
-
-
Hello world!1 week ago
-
Cut back some exposure1 week ago
-
-
-
Buying an overseas home for retirement2 weeks ago
-
-
8 tips for house moving2 weeks ago
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
May 2025 Portfolio4 weeks ago
-
-
-
Thakral - Gem life deal finally coming?5 weeks ago
-
-
-
-
-
Clarity1 month ago
-
The Trump Tariffs1 month ago
-
Selling HRnet and Fiverr1 month ago
-
-
-
-
Ignore the noise and be calm2 months ago
-
-
-
-
FAQ on Quantitative Investing Part 22 months ago
-
-
-
-
Crossing the 300k Mark [in a volatile period]2 months ago
-
-
-
-
-
-
-
-
ETF vs Mutual Fund: Which is Better?5 months ago
-
-
-
-
-
Arigato Everyone! A Decade of Blogging!6 months ago
-
Top 10 Highlights of 20246 months ago
-
-
-
Union Square Residences8 months ago
-
-
-
STI ETF9 months ago
-
-
-
Unibet Casino Bonus Codes 202410 months ago
-
-
-
-
The Stigma against Early Retirement (FIRE)11 months ago
-
Monthly IBKR Update – June 202411 months ago
-
-
-
-
-
-
-
-
-
Feb 2024 Expenditure1 year ago
-
-
-
-
-
-
-
Monthly Summary of November 20231 year ago
-
Migration of website1 year ago
-
-
-
-
-
-
Hello SP Group, I'm Back!2 years ago
-
-
-
A New Light2 years ago
-
-
-
-
-
2022 Thoughts, Hello 2023!2 years ago
-
Series of Defaults for Maple Finance2 years ago
-
Takeaways from “Sea Change”2 years ago
-
Greed is Coming Back2 years ago
-
-
-
-
-
-
-
-
What is Overemployment3 years ago
-
Terra Hill Condo (former Flynn Park)3 years ago
-
Alibaba VS Tencent: The Battle Royale3 years ago
-
-
-
-
-
-
-
-
-
-
-
-
-