想要一個好既儲錢方法！

最低風險的儲錢方法, 莫過於存入銀行收定期利息.
較高風險的, 可以買基金, 或做下保險儲蓄.
當然, 最高風險的(即係有可能會虧損), 就係投資股票等.....

儲蓄係需要耐力的, 最好選擇一投入儲錢, 便會鎖一段時間.....咁自己便唔會成日諗住攞番d錢出來....

儲錢方法
1.要每月都進行,養成習慣
2.儲蓄的回報要理想
3.最好設有年期很制,令你有所預算
4.可以提供一定年期的很制,令你不會因太彈性而儲不到
保險提供的計劃乎合以上各項:月供,回報較一般存款理想,有指定年期令你有所預算,設定的年期令你不會因太易取錢,令儲蓄目標做不到
如要看一些月供的儲蓄計劃,可e-mail我:[email protected] 找陳先生

It depends on how old are you!! and what's your objective!!

If your goal is around 5% interest return, then buy Certificated Deposite (CD) in any banks or bonds.

If your goal is more than 5%, you can think about mutual fund. That's a pool of securities and managed by financial portfolio manager. The long term trend of mutual fund is always going up.

If you have time and certain level of financial knowledge, I recommand you to invest your money in blue chips stocks.

I strongly not recommand people buying insurance for saving purpose!!!!!!!
There are two kinds of insurance, term life and whole life.
Term life has no saving purpose, it only covers certain period of time let's say 10 years. If nothing happen in 10 years, then you will get nothing. It's only for your life insurance in the 10 years.
Whole life, has saving purpose. But you have to pay premium every month for your "whole life" that's the name comes from unless you want to cancel it. The premium every month is more expensive compare with term life. And you can withdrawl the money that you have been paying in the pool. But it's not really your money!!! it's the money for your whole life insurance. The main purpose for whole life insurance is saving purpose, and life insurance. But the premium is really expensive and you have to wait certain amount of time untill the money in the pool reaches certain amount depends on your whole life plan and then you can withdraw the money.

現在的保險機制受保險業監督規管，好難會騙到人啦...
為甚麼不花點時間詳細了解一下呢？
簡單來說，你可以選擇儲蓄保險和投資相連保險.
儲蓄保險雖然回報較有保證，但供款較多，回報率也不高.
投資相連保險相對來說，保費會較低，亦可賺取更高潛在回報，但投資會有風險.
不過，以基金形式作為投資，把資金分散在世界各地，風險已經大大降低了.
如果你不想有太多保障，可以選擇只購買基金，作一個長期而有規律的投資.
比起銀行，在保險公司投資基金的好處是有多種基金供你選擇，可設計一個投資組合，而銀行很多時只可單買一種基金.
在保險公司投資基金，當你要轉換基金選擇時，不會另收費用，但銀行會每次收取5%費用，在長期投資時，當你的資金越來越豐厚，這5%的基金轉換費用會影響你的投資決定.
如果你想了解多一點，或有任何問題，歡迎電郵給我.
我叫阿仰，是AIA的財務策劃師.
email: [email protected]

2007-01-20 11:21:00 補充：
要補充一點，就是把錢存入銀行也不代表沒有風險.因為利率未必能抵消通漲，所以你的儲蓄會被通涱不斷蠶蝕.唯有作一些投資,才可達到資本增值(即有些人說「錢搵錢」).

其實儲錢...我都有好多心得..
但我要知你年紀...人工...負擔...咁我就一定比到d好好gei 意見你...
因資料不足..只有假設你同我差不多...我每月可儲around 5000..買月供股票..匯豐(005)
有定期gei升值 又有股息.....基金一定追唔到
如你好細...要只能儲1000-2000...買基金都ok...唔好幫保險買..幫銀行買la...如終覺得好d.
儲錢 最緊要 持之以恆....唔到死人倒樓唔好停....如果唔係講咩都無用..

儲錢入銀行
因為銀行有利息