Nov 12th, 2009, 15:00 | 只看该作者 #21 |
wicked witch of the north
注册日期: Nov 2005
帖子: 24,222
积分:208
精华:58
|
最简单的方法:让RBC的人把这个所谓的guarantee写在纸上,你看看他们愿意不愿意。 你大概算一下,一年投资源2500,十年两万五,二十年五万,这是book value。RBC承诺能翻翻,你随便找个financial calculator自己算一下,每年的回报至少要8%才能在18年后到10万。哪个银行敢承诺每年回报都有至少8%? 你要是投资GIC还有8%的回报一定知会一声,我立刻把房子抵押了,借款投资那个GIC。 |
The only question with wealth is, what do you do with it? - John D. Rockefeller
|
|
|
感谢 sage 此篇文章之用户: |
smellyfish (Nov 12th, 2009) |
Nov 12th, 2009, 16:16 | 只看该作者 #24 | |
华枫委员会主席
注册日期: Jan 2007
帖子: 7,127
积分:5
精华:2
声望: 28550898
|
引用:
=============================================== The guaranteed minimum value is a value equal to 100% (75% if the annuitant (the subscriber) is 70 years of age or older) of the premiums (including transfers from an RESP and CESGs) used to purchase the initial fund units and subsequently varying as follows: 1. it increases in the following proportion when any fund units are purchased*: 100% (75% if the annuitant is 70 years of age or older) of the purchase amount if the purchase took place at least ten years before the maturity date of the guarantee and if there was no increase under paragraph 3 below; 75% of the purchase amount in all other cases; * Fund units acquired by granting the education bonus are excluded from the Guaranteed Minimum Value (GMV). 2. it is adjusted in proportion to the decrease in the total value when any fund units are surrendered; 3. 10 years before the maturity date of the guarantee, the guaranteed minimum value is compared to the total value of the contract. If the total value of the contract is higher, the guaranteed minimum value is increased to 100% of the total value of the unit funds credited to the contract if the annuitant is under 72 years of age; if the annuitant is 72 years of age or older, it is increased to 75% of the total value of the unit funds credited to the contract; 4. on the maturity date of the guarantee, if this date is postponed to the contract maturity date, the guaranteed minimum value and the total value are compared. If the contract maturity date is at least 10 years from the maturity date of the guarantee and if the total value is higher, the guaranteed minimum value is increased to 100% of the total value of the investment fund units credited to the contract if the annuitant is less than 72 years old; if the annuitant is 72 years of age or older, it is increased to 75% of the total value of the investment fund units credited to the contract; 5. it becomes nil when the contract is terminated or cancelled =============================================== 如果我理解得对,如果从出生就开始买,没什么变化,所有的本金和政府match都能保证翻倍。不过它家的手续费很高,特别是如果中途有什么变动,比较terminate或cancel。我还是打算买银行的,选balance和equity相结合。 其实这钱放在里面,不要太在意现在的value,因为这钱是长线投资,有些起伏很正常,主要看长期表现。一般股市的口诀是“10年翻一倍”,所以只要不太激进的,翻番没什么问题。 |
|
知易行难……
|
||
|