港幣20萬退休金的保本投資, 除定期外, 尚有甚麼 ?

債券, 基金都屬於風險比教細既投資..

基金組合種類會比教多,風險由保本至高都有..
如果有興趣最好搵一D叫獨立理財顧問.佢地會收集你部份既個人資料,為你訂制最合適既理財計劃..過程係免收費

如果有任何問題或想要更多資料..
可以email我 : [email protected]

視乎你幾多歲,如年齡跟退休時尚有一段時間,可做一些較進取的計劃,如基金計劃.但選基金時應選風險較低的基金.
如有其他問題,可e-mail聯絡我[email protected]

如你要求的回報穏穏陣陣大約9厘一年的話, 你可以考慮下用20萬做一個五年的 Lump Sum 基金儲蓄計劃, 風險可以很低. 有興趣可幫你免費做埋個計劃書. [email protected]

You may want to invest on those capital guaranteed funds. It will guarantee you got your principal (capital) back at the maturity date. Normally the maturity period is around 10 years. How it works is the fund insvest part of the capital on fixed term deposit, to guarantee the investors will have it's originally money back, then it use the rest on other investments. I know that HSBC and china bank has this kind of fund, may be you should talk to their financial advisors.
Still you don't have to invest all your $200,000 into one fund, one bank or one kind of investment. Lower your risk by diversify.

建議你買匯豐銀行，息率有4釐，平均每5年增值一倍，可以放心長期持有。

可以用來買基金, 風險少些或用來買股票.

債券

只需持有債券至到期日, 便可取回全數本金