基金投資3問

1. 基金贖回費係指贖回(賣出你手上的基金)時,根據銷售說明會扣一個佰分比作贖回費,通常要收贖回費的基金,不會收認購費,而且會在認購後頭幾年eg頭5年才會要收,例如認購後第一年收5%贖回費,第二年收4%每年減收1%的贖回費如此類推,到第6年及之後贖回都不會扣贖回費。不過有些銀行eg渣打會收基金贖回電匯費象徵式HK$100。

2.作每一個投資都需要作一個好好的計劃,而直接一筆過買基金,都會憑藉各基金的投資目標、地區、策略等去揀選一隻乎合自己投資計劃的基金,若果係有關基金經理更改其基金的投資目標、地區、策略等,那是不同收費,倘若因基金的更改而導致未能乎合你的投資計劃又或若你想更改本身投資計劃,你要按照你的計劃把資金從身分配,有機會把本來的基金轉到另一隻基金上,那就要收費,轉到同一基金公司的基金大多係收1%基金轉換費;轉到另一間基金公司就等同贖回手上基金及認購基金。若果你買的是一些投資組合形式的基金(eg月供基金或投資相連的保單),由於是作定期投資,所以當你要更改基金計劃,必需按你計劃重生分配各基金投資的百分比。
3. 買基金=認講基金,賣基金=贖回基金,通常贖回要等一段的時間約7-14日才收到錢,但同基金公司內轉換基金就可以在下一個交易日進行買賣(同時贖回基金及認購基金)。

1. Fund has 2 type, 'A' & 'B' (local terms) A= a fund charges you when you buy it. B = a fund charges you when you sell it. Some funds may have both, but all within law limit. Coming back to your question: it means you sell your fund, you will receive the amount less than you see on the book. e.g. value of your fund before selling is 100,000. Redemption cost 5%. You will receive 100,000 x 95% = 95,000 only. Just one step ahead: if for A fund, when you buy with 100,000, 5% initial charge means you only have 95,000 invested in the fund. 5000 is the up-front charge.
2. Usually a plan have a destinated choice of funds (ranges from a few to over a hundred) that you can select from. If the plan has both local and foreign funds, then you may switch among them, regardless of their investment areas). You need to know though is that you may incur switching cost of even worse, get charged again on initial charge because technically you are selling one fund and buy into another. Some plans aborbs these costs and you enjoy free switching. Most local banks products do not have this feature or if so, very limited.
Plan switch means you stop the old plan and uses a new plan. Whether it incurs cost depends on the provider and length of time you've been with the plan.
Change of fund weight is an allocation issue. All plans should allow you to change allocation %. Pls check clearly on the allocation requirements. Some may require you to allocate at least 1000 for each fund purchased.
3. Refer to Ans. to Q1 to see if you need to pay an exit fee or not. Buy and sell does not need to be one step after another. Just like you would be for stock buying and selling.
Perhaps you need to provide a bit more details before I can give you more info on this.