Some Helpful Mutual Fund Knowlwdge

第 42 樓 / ranchgirl

Two more suggestions:

1) Please don't hire your friend or relative financial advisers

American Saying, if you do business with friend, you may lose both your money and your friend.

2) I am sorry to say the second, if possible, don't hire Chinese financial advisers. Be aware of vicinity scams/crimes.

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第 43 樓 / ranchgirl

Now, I have found out Canadian financial advisers are 更黑心 than their US colleagues.

coco99 寫道:

我想.是不是�@個理財顧問.�]有賺很多?
所以他的建議算是中肯?

只說要放7年以上.不把錢提出.不扣費用.
否則每年要扣1%.
我想他的傭金是7%吧.

wow, you are totally screwd by your financial adviser.

1) You are trapped by the 7 year contract.
2) when you add new money, the new money will be trapped a new 7 year contract also.

now, the only way to you is do not add any new money to the account, and pray the initial money works fine for you!!!!!!!

If you do have new money, open a fidelity account by yourself, forget the initial $5000 until 7 year later.

I am not saying the 7 year requirement is definitely a bad deal. However, you have lost freedom and control to your own money for 7 years. That is a very bad trap, you are already trapped, and if you add new money in, you are also trapped more. You need to be in control, not your financial adviser, especially the fidelity is no-load, you don't need to be trapped.

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第 44 樓 / ranchgirl

寫道:

Thank you for your advice

Actually, I bought it from a "friend", and she is a Chinese

Let's hope she is fine, , just want to make some commission from your money, that is legal and OK.

Also, let's hope, you did not sign some long term contract with her like coco99.

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第 45 樓 / ranchgirl

to coco99 and all others

The financial adviser of coco99 actually did nothing wrong, he/she was just doing his/her job. If codo99 does not need the money in 7 years, coco99 lost nothing on the surface.

The real problem of this Canadian adviser's practice is they take advantage of no-load mutual fund, successfully convert it to deferred-loaded funds. And also they charge more than standard deferred-loaded fund. This is a good strategy for them to make money, but not for you.

Since Fidelity's limitation for early redemption is 3 month(some one month), the fee charged on early redemption is only 0.75-1.50%(depends on funds).

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第 46 樓 / ranchgirl

楓葉紅寫道:

農場妞，

俺也不懂啥子72法則啊？

Finance ABC!

如果您年收益12%，您的錢大約6年會翻倍，因為72/12=6.
如果您年收益6%，您的錢大約12年會翻倍，因為72/6=12.
如果您年收益10%，您的錢大約7.2年會翻倍，因為72/10=7.2.

從數學上計算。

1.12 的 6次方： 1.12^6 = 1.9738
1.06 的 12次方: 1.06^12 = 2.0122
1.10 的 7.2次方: 1.10^7.2 = 1.9862

都很接近2

依此類推

不過年數太小不准，比如1年，2年。

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第 47 樓 / ranchgirl

山高水深寫道:

你說的那是管理費(MER). 不管什麼類型的基金都收的, FUND MANAGER 的INVOLVEMENT, ACTIVITY越多, MER越高. 就EQUITY而言, 2-3%很正常啊.

No, you are very very wrong.Mr. 山高水深!

Many equity funds only have 0.4 - 1.0 % mer.

Do you need a list? My Financial Adviser! Or you go ahead to find yourself!

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第 48 樓 / ranchgirl

Almost All equity funds in Fidelity, T Row Price, Vanguard mutual fund families are in 0.4 -1.0%, some are even lower.

These 3 fund family funds add together are more than a thousand, maybe several thousands.

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第 49 樓 / ranchgirl

for example:

FSAGX
(Fidelity Sel Gold)

Investment Objective:	Gold Oriented
Net Assets ($Mil)	3,251.00
Inception Date:	12/16/85
Manager Name, Tenure	S. Joseph Wickwire II, 2007
Expense Ratio:	0.87%

Sales Charge:
Load Type:
Front-End Load:
Back-End Load:

No Load
0.00%
0.00%

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第 50 樓 / ranchgirl

PRFDX
(T Rowe Price Eq Inc)

Fund Stats Investment Objective:	Equity Income
Net Assets ($Mil)	15,231.00
Inception Date:	10/31/85
Manager Name, Tenure	Brian C. Rogers, 1985
Expense Ratio:	0.69%

Sales Charge:
Load Type:
Front-End Load:
Back-End Load:

No Load
0.00%
0.00%

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第 51 樓 / ranchgirl

VTRIX
(Vanguard Intl Val;Inv)

Fund Stats Investment Objective:	International
Net Assets ($Mil)	6,743.30
Inception Date:	5/16/83
Manager Name, Tenure	Team Managed, NA
Expense Ratio:	0.42%

Sales Charge:
Load Type:
Front-End Load:
Back-End Load:

No Load
0.00%
0.00%

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