现在有15万，怎么样投资最好？

icac

With fixed term deposits you know exactly what you will get and you know that bank isn’t likely to pay an unexpected bonus. But if CSR continues to grow and become more profitable over time, the share price will go up and you will get a share of that increasing price.

Another method to avoid uncertainty of return is to diversify your investment. The theory of diversifications refers to spread your investments into different asset class, thus spread the risk and return of your “portfolio” investment.

Diversification is attractive because investment markets don’t usually all move upwards or downwards at the same time, so by invest in different market will protect investment return.

Diversification however can be hard to manage if investors invest in too many assets, thus one of the method is to invest in a managed fund.

A managed fund is a type of investment where a number of investors pool their money into one fund which is then invested by an experienced fund manager.

Most of the fund will diversify their risk by invest in cash, fixed interest, property and shares. The weighting for each asset will be determined by the risk profiles of the investor. Risk profile refers the level of risk that suites the investor, risk taker will be recommended to invest in funds with more assets allocated in property and shares where as risk-averse will prefer funds with more assets allocated in fixed interest and cash.

icac

Risk Profiles:
Now we can explain different types of risk profile; basically there are 5 types of risk profiles:
•        Defensive
•        Moderate Defensive
•        Balanced
•        Growth
•        High Growth

The sample asset allocations are as below:
                                               
                Defensive (70/30)        Moderate (50/50)        Balanced (30/70)        Growth (15/85)        High Growth (1/99)
Defensive Assets        Cash        20%        10%        4%        2%        1%
        Domestic Fixed Interest        30%        23%        15%        8%        0%
        International Fixed Interest        20%        17%        11%        5%        0%
                                               
Growth Assets        Listed Property        8%        10%        10%        10%        5%
        Domestic Shares        14%        22%        34%        43%        45%
        International Shares        8%        18%        26%        32%        49%

If you are defensive investors, risk must be very low and you are prepared to accept lower returns to protect capital. The negative effects of tax and inflation will not concern you, provided your initial investment is protected. Your priorities are the safeguarding of your investment capital. You are prepared to sacrifice higher returns for peace of mind. A typical defensive fund has the following objective:

        To achieve a rate of return 1% pa greater than CPI over any 2 year period with a 70% probability of success
        To achieve a rate of return greater than 0 over any one year period with a 90% probability of success.


If you are moderate defensive investors, it means you are prepared to accept a small amount of risk. Your priority remains the preservation of capital over the medium to long term. You may have some understanding of investment markets; however you cannot afford to take any chances with your capital. A typical moderate defensive fund has the following objective:

        To achieve a rate of return 2% pa greater than CPI over any 3 year period with a 70% probability of success (over the long term, these investors expect that their growth assets will provide sufficient returns so that their total return will exceed inflation. This means that the real value of their portfolio will grow over time)
        To achieve a rate of return greater than 0 over any one year period with an 80% probability of success


If you are balanced investors, you have some understanding of investment market behaviour and can accept some short term risk to your capital. You do not wish to see all of your capital eroded by tax and inflation and are prepared to take a small short term risk in order to gain longer term capital growth. A typical balanced fund has the following objective

        To achieve a rate of return 3% pa greater than CPI over any 4 year period with a 65% probability of success
        To achieve a rate of return greater than 0 over any one year period with an 80% probability of success.

If you are growth investors, you are most interested in maximising long term capital growth, although you do not wish to make unbalanced investment decisions. You are happy to sacrifice short term safety in order to maximise long term capital growth. A typical growth fund has the following objective:

        To achieve a rate of return 4% pa greater than CPI over any 5 year period with a 65% probability
        To achieve a rate of return greater than 0 over any one year period with a 75% probability of success

If you are high-growth investors, you are prepared to sacrifice your investment capital in pursuit of the highest long term capital growth investment. You are most interested in reducing your taxable income and have an understanding of the behaviour of investment markets.  A typical high-growth fund has the following objective:


        To achieve a rate of return 5% pa greater than CPI over any 9 year period with a 65% probability of success
        To achieve a rate of return greater than 0 over any one year period with a 70% probability of success.

icac

当然，每个人的心得都不一样，有些人喜欢只投资股票或是房地产

[ 本帖最后由 icac 于 2009-9-12 17:48 编辑 ]

icac

:)

Brother

一般来说应该将房屋贷款和其他的non deductible loan还清，然后再考虑投资。
15万的存款并不少，但是要怎么投资取决于你的风险承受力。风险承受力可以理解为你对自己的投资组合的价值升降时心里的承受能力，当然也包括你的投资周期（短期1年-3年，中期3年-5年，长期5年以上，当然很多人有不同的界定），大家知道股市和经济有自己的周期 business cycle， 澳洲来说一般是7年，就是每7年会经历一次大的涨跌，一个人的投资周期越长，对风险的承担能力越强。
假设你是高风险投资者，一般都建议投资在股票或者股票类的基金里面。如果你的年纪不接近退休，你不一定要放入super投资，因为一旦进入super，你就没有方法再拿出来，直到55岁或者其他的特殊情况比如财务困难(financial hardship)
如果你对股票有研究，可以自己选几只好的蓝筹股，如果没有很多的研究，可以买基金。
全澳洲有超过两万个基金，看起来很难，你可以看看这个网站 http://www.investsmart.com.au/managed-funds/
可以选5颗星的基金(morning star 评级)。
听你说到你有配偶和小孩，建议你购买一定的保险，保障家人在失去你收入的时候一样可以生活无恙。如果不想用自己税后的收入购买，可以考虑用super的钱购买。

如果想要量身定做的financial plan，你应该找一个有资质的financial planner。 （CFP, certified financial planner)

团结的腹肌

占座, 学习, 高人继续啊