Friends provident or AIG capital saver or any others?

先講基金表現：

Friends 是 mirror fund，最近加多幾隻野。整體黎講，夠穩陣，尤其穩陣的學生住宿基金。有 Henderson 等等不同國家的房地產基金，可以衝、穩陣，分散風險。

AIG 的 capital saver，基金一般。數著勁的，有 HSBC 的印度、中國。房地產只有美國，而依家美國的房地產受著好多不同的因素影響，導致前景不太明郎。Bond Fund 都只得美國。

收費模式：

Friends 較靈活，(5 年~25 年的計劃) 都只是 18 個月的強制供款期；而 AIG 就 11 年~30 年，分別是 26~34 個月的強制供款期。而及後的收費，一年收的是~~AIG 是 34 個月的 4%；而 Friends 是 18 個月的 6%。所以比較起上來，Friends 比較吸引~~

Mass Mutual 的 Premier Choice 都唔錯, 每月最低$800, 計劃做的是Direct Fund, Fund Choice都唔錯, 例如有首域中國增長, 美林的拉丁美洲同礦業等. 12個月ICP, 我比較過AIA, Zurich, Friends, Generali, Royal Skandia同Aviva, 發覺MassMutual在計劃退保 或 完結時可提取最多現金 (因為佢冇ICP收費), 想知多d請聯絡我: [email protected]

Beware of AIG capital Saver, since they are using the "truncate" method on unit calculation, that means if you get 0.045 units on particular fund, which will be deducted to 0.04 units ==> 0.005 units will be lost on that transaction. Friends Provident has no such problem, they are using round off method,which means 0.045 will become 0.05. of course, you still bear a risk if you get unit on 0.043....unfortunately, it's the way of calculation they are using...can't be changed....

Friends Provident provides funds which are a bit conservative. Comparing with AIG, the Initial Setup Period is shorter, only 18 months, and fair enough in charges...

If you are looking for aggressive, Aviva is quite a good choice....

Above is for your reference, Cheers

2006-11-30 20:41:39 補充：
Those i said above, you can find a reference on 經濟日報, should be on 6 Nov...if i remember...

If you want to know more on Royal Skandia or Generali, you may contact me at [email protected]. I'm a Licensed Investment Advisor.

Have a nice day!

Zurich & Aviva also very popular ... i can't say which one is better ...because it depends on your needs and your information ....like affordable risk and regular saving amount

if you have more question ...welcome to email me : [email protected]

2006-11-29 20:35:06 補充：
[email protected]