投資組合問題

If you are 25, I would suggest your profolio is 15% to low investment and 85% in high investment.

and is hard to say whether you can success in achieving 5 million, since we don't know how much you will contribute for each month

Since you are looking for retirement, I would suggest you invest in fund, since compound effect can help you to generate $$.

If you have furhter question, feel free to email me

[email protected]

首先要知道你想幾多歲退休，可承受風險程度（例如最多可容許損失總投資資產的多少percent?）等。

如果用月供的方式投資，最好不要月供債券基金，除非是回報較高的新興市場債券基金，因為平均成本法在回報平穩的債券基金上作用不大，反而有機會拖低回報。

想要詳細關於月供那些基金的建議，要知道我以上所問的問題的答案才可以有比較適合你的建議，如有興趣作進一步分析，可電郵聯絡我詳談：[email protected]

如果要低風險, 可以放係一d bonds 個度...

高風險咪放係d 新股度囉，　跟ｓｉｎｇｌｅ　ｃｏｕｎｔｒｙ
聽講bric 呢個combination 都幾好
另外等印度做完ｃｏｒｒｅｃｔｉｏｎ　之後都可以再入，　但暫不宜高追