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強積金一直放喺預設基金完全冇理過，究竟應該點揀先唔會蝕？
返咗工五六年,MPF一直set喺個default就冇再掂過。最近先發現原來揀錯基金差好遠。我完全唔識,應該點樣揀同幾耐睇一次？
Anonymous asker ·Asked on 8 days ago ·289 views ·4 answers
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Best Answer
心理輔導阿Ada Beginner First-hand experience 註冊輔導員，情緒壓力唔開心，搵我傾兩句唔收你錢。
重點一定要睇管理費。同樣係環球股票基金,有啲收1.5%有啲收0.8%,幾十年複利落嚟差幾十萬。我後來全部轉去低收費嘅指數追蹤基金。年輕嘅話股票成份可以高啲,唔好驚波動,你幾十年後先攞。臨近退休先慢慢轉保守。一年check一兩次就夠,唔好日日睇。
Anonymous contributor Beginner First-hand experience
我犯過最大錯就係將全部放咗喺「保證基金」同「貨幣基金」,以為安全,結果回報跑輸通脹,等於慢慢貶值。後來睇返先知,三十幾歲揀咁保守根本蝕大咗。年紀輕真係要夠膽揸股票類。
健身教練阿Sean Beginner First-hand experience 私人健身教練，減脂增肌飲食餐單問我唔使問大隻佬。
記得整合MPF戶口。我轉過幾份工,以前每份工開個新戶口,散晒好難管。用「強積金半自由行」將舊account嘅錢集中去一間你信得過嘅受託人,收費同管理都方便好多。
地產代理阿May Beginner First-hand experience 入行八年嘅地產代理，睇樓睇租睇按揭，唔會呃你上車。
唔好嘗試捉市。我以前見跌市就轉去保守基金,升返又轉返股票,次次都遲一步,越搞越蝕。後來乾脆set好長線分配就唔郁,反而回報好過我頻頻換。
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