请问有人用过financial planner吗？

alfredbird

原帖由 lesli1109 于 2009-11-11 23:04 发表
听说，是听说：找financial planner的最大的好处是尽量缩小你做错误投资的几率，而不是能帮助你多赚多少钱。

这句话我觉得有道理，当然我觉得这个不应该是找financial planner的最大好处。

velasco

同意，投资真的没个准,timing the market 难度也很大，就说过去这六个月，我见到客户想作高抛低吸的结果往往不如“buy and hold”.我觉得的financial plannig 在super上倒是有点策略可以用。

Brother

http://www.investsmart.com.au/managed-funds/

这个网站算是个基金超市了，而且100% entry fee rebate, 可以看看,如果不是非常懂，可以选几个index fund然后 Morning Star 和S&P 评级高点的。
Vanguard的有几只基金尤其是cash和bond在去年的表现确实不错，可以搜索一下。
也可以看看Platinum的几个股票基金 （equity fund)， 比如说 Platinum Asia Fund , Platinum international fund.

Devil_Star

INVESTSMART基金可以看看, 但IPO就小心了, 到他们那的基本都是剩货.

Brother

原帖由 Devil_Star 于 2009-11-11 23:23 发表
INVESTSMART基金可以看看, 但IPO就小心了, 到他们那的基本都是剩货.

股票方面斑竹是权威。

alfredbird

原帖由 Brother 于 2009-11-11 23:17 发表
http://www.investsmart.com.au/managed-funds/

这个网站算是个基金超市了，而且100% entry fee rebate, 可以看看,如果不是非常懂，可以选几个index fund然后 Morning Star 和S&P 评级高点的。
Vanguard的有几只 ...

Platinum的国际基金的确不错，就是门槛高了点，我记得要好几万，看看能不能通过别的平台进入了。

alfredbird

原帖由 Devil_Star 于 2009-11-11 23:23 发表
INVESTSMART基金可以看看, 但IPO就小心了, 到他们那的基本都是剩货.

顺便问一句：我们散户能买到的IPO是不是一般没有好货了？

alfredbird

原帖由 velasco 于 2009-11-11 23:12 发表
同意，投资真的没个准,timing the market 难度也很大，就说过去这六个月，我见到客户想作高抛低吸的结果往往不如“buy and hold”.我觉得的financial plannig 在super上倒是有点策略可以用。

问题是现在政府从这个财政年度开始卡super了，concessional的限额降了，salary sacrifice很多策略里面都要算成salary部分了。。。

不过能够满足co-contribution的，还是要抓住机会啊，100%的回报，不要白不要。

Devil_Star

原帖由 alfredbird 于 2009-11-11 23:30 发表


顺便问一句：我们散户能买到的IPO是不是一般没有好货了？

也不一定, 不过EASY COME的通常都EASIER GO. 方向当然指的是向下. 不过上市蘑菇几个月后, 突然发力狂飚的也有, 像MMB和LNC都是其年度上市后慢热的RISING STARS.

silver

Sorry, my speed to type Chinese is very slow:)

I think the main benefits to build relationship with a financial planner is to use their time and knowledge to help you reduce your risk and maximun the benefits you can get from updated financial market and legislation.

What you could expect from a financial planner is:

- they should understand your situation in detail, including your goals, your assests, your expense(short and long term), your concers...
- they are qaulified and experienced (or have direct access to a goup of specialists)
- their professional ethic request them to put you at the first priority and preapre to build a long term relationship with you
- they explain to you a fair remuniation package to the service you are going to receive
- their knowledge should cover insurance, home loan, superannuation, investment, estate planning, tax planning and social security (centerlink benefits) to have a good view of the whole picture.
- they have access to a wide range of products from different financial institution.

There are so many investment experts on this BBS, I am not qaulified to make recommendation on this aspect, I just wonder one thing, will you have time to study as a financial planner to keep update to the new products(funds, shares, wrap, super), new legislations(tax, super, centerlink) and apply it to your situation?

Life is short, find more time to enjoy life. If I can, I would like to outsouce all my worries and updates to different specialists.

[ 本帖最后由 silver 于 2009-11-18 10:45 编辑 ]

Brother

咩来噶

matthew.ma

同意这位同学的说法，术业有专攻，找到一位可以信任的专家绝对事半功倍。
个人觉得你的重心应该是自己的事业，家庭以及如何找到这位financial planner。
要不然，你也可以这样：每天回家开始读华尔街圣经<security analysis>，投资教科书<investments>，做笔记，然后上网研究大大小小基金顺带把每个基金经理也分析了。股票方面，开始研究基本面，看报表，分析k线。对了，excel也得学，还是advanced，什么vba，macro都得精通，不然都不好意思跟人家打招呼。如果资质超出常人而且又确实对这些感兴趣，那么恭喜你，一年左右，你不再是菜鸟了！不过这一年的时间你可千万不能只是学习，实战最重要，赚了赔了都是学习，心态一定要好！其他就略过不表了，忒累！从financial planning的最重要方面----投资，开始你的旅途吧。

philgu

Best financial planner is YOURSELF.

Not some so called "experts" with short course degree and read fund mgrs newsletter once in a while.

silver

原帖由 philgu 于 2009-11-18 21:41 发表
Best financial planner is YOURSELF.

Not some so called "experts" with short course degree and read fund mgrs newsletter once in a while.

Agree, even someone can not understand super and share may still prefer looking after all their financial issues by themselves, believe it is the best and safest way. It is a habit thing.

[ 本帖最后由 silver 于 2009-11-19 09:50 编辑 ]

豆宝宝

原帖由 philgu 于 2009-11-18 21:41 发表
Best financial planner is YOURSELF.

Not some so called "experts" with short course degree and read fund mgrs newsletter once in a while.

我觉得也是，以前去银行办事被拉住说了半天，结果让我买一堆保险。

philgu

原帖由 豆宝宝 于 2009-11-19 15:11 发表


我觉得也是，以前去银行办事被拉住说了半天，结果让我买一堆保险。

In my opinion, financial planner should be called financial broker.

Implicitly people think FPs are capable investment advisors too. How wrong that is.

dingyipu

Devil_Star 发表于 2009-11-11 21:52
WHOLESALE FUND我知道最低的门槛是100K, 不过买一两个UNIT就没意思了~

请问能推荐个100K的wholesale fund吗？谢谢

dingyipu

Brother 发表于 2009-11-11 21:48
financial planner一定会受commission 和 fee的。只有少数的人寿保险的不直接向客户收费。
我不知道楼主是 ...

有没有专门的license是做Wholesale fund的， 比retail那种AFSL监管少一些的？谢谢