強積金問題-投資選擇分配

首先你無註明 cpf, gtf...係甚麽基金，但我估計:
cpf = Capital Preservation Fund
gtf = Growth Fund
blf = Balance Fund
grf = Growth Fund
hsif = Hang Seng Index Tracking Fund
另外又不知你的年紀？
所以我用中度風險及回報為你提意基金的分配:
50% Balanced Fund均衡基金
30%Growth Fund增長基金
20%Hang Seng Index Tracking Fund恒指基金


2008-01-25 11:41:30 補充：
Amendment:gtf = Guaranteed Fund 保證基金

要看你年齡, 愈年輕應可以愈進取
唔肯定你D簡寫,
HSIF (應該是 恆指基金)
BLF (是否 Balance 平均基金?)
GRF (是否 Growth 增長基金?)
CPF (是否 Capital Preservation 保本基金?)
GTF(是否 Guaratee 保証基金?)

Look it depends on your age; if you are age 20-40 ,then you shall choose a more aggressive portfolio ( to catch up with inflation) ; otherwise age 40-50 , shall choose a moderate risk (balanced portfolio). In general , HS index or any other type growth fund are considered as aggressive portfolio. Since MPF is on a monthly contribution basis, dollar cost averaging applies and even though you choose a high risk portofolio , the risk is balanced out; so no need to be afraid.
However, it is wise to review your total portfolio combination every now and then ( example; once every year) to see whether you need to make adjustments.