tag:blogger.com,1999:blog-58378246260321432802024-03-28T07:54:18.886+08:00The Track to Financial Independence透過指數化投資和資產配置獲得優厚的市場報酬 #Investing #Bogleheads #Financial Independence #UCITS ETF #MPFMartishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.comBlogger242125tag:blogger.com,1999:blog-5837824626032143280.post-90213532190254602222024-03-21T08:30:00.001+08:002024-03-21T08:30:00.146+08:002024/03 - 2月股息和3月月供記錄 <p><span><span style="font-family: inherit; font-size: medium;">2024年 2月</span></span><span><span style="font-family: inherit; font-size: medium;">股息沒有</span></span><span><span style="font-family: inherit; font-size: medium;">收入</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">眾籌提領的資金: HKD 421</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">2 月薪金投入: HKD 25,000</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">總投入額: HKD 25,421</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">2024年 3月</span></span><span><span style="font-size: medium;"><span style="font-family: inherit;"><span><span>的投入為:</span></span></span></span></span><span><span style="font-family: inherit; font-size: medium;"> </span></span></p><span><span style="font-family: inherit; font-size: medium;">VWRD : 25</span></span>Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com0tag:blogger.com,1999:blog-5837824626032143280.post-86860917582809931232024-03-02T09:00:00.002+08:002024-03-04T23:30:46.247+08:002024年2月總結 <p><b><u><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">股票組合</span></u></b><b><u><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;"> (76.3%)</span></u></b><b><u><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"></span></u></b></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">VT
: 520.71</span><span lang="EN-US" style="mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">VWRD : 2,245</span><span lang="EN-US" style="mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><b><u><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt;"><span style="text-decoration: none;"> </span></span></u></b></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><b><u><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">債券組合</span></u></b><b><u><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;"> (22.8%)</span></u></b><b><u><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"></span></u></b></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">4252.HKG:
500 (19/05/2025</span><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">到期</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">)</span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt;">4701.HKG: 300 </span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">(05/08/2026</span><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">到期</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">)</span><span lang="EN-US" style="mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt;"></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">AGGG <span style="mso-spacerun: yes;"> </span>: 19,187</span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;">US T-Bill : 8,000 (18/04/2024</span><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">到期</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;">) </span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt;"> </span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><b><u><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">眾籌組合</span></u></b><b><u><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;">(0.9%)</span></u></b><span lang="EN-US" style="mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">Peerberry
: EUR </span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt;">745</span><span lang="EN-US" style="mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">Mintos
: EUR </span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt;">1,269</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt;">Estateguru : EUR 1,528</span><span lang="EN-US" style="mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt;"></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt;"> </span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">現時總投資總數為</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">HKD 3,441,594 (</span><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">未計算強積金</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">)</span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">現時總投資回報為</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">-161,111 (-5.0%)</span><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">,比上月總結</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"> </span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">-246,949</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"> </span><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">上升</span><span style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"> </span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">85,838</span><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">。</span><span lang="EN-US" style="mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">2024</span><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">年</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">2</span><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">月</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"> XIRR</span><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">為</span><span style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"> </span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">3.0%</span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">2024</span><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">年</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"> XIRR</span><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">為</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;">3.2</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">%</span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"> </span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">上月抽的機場零售債總共派</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;">3</span><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">手,無特別的話會持有至到期,反正它的息率比</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;">mortgage link</span><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">高約</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;">1</span><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">厘,不用急於賣出套現。</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;"> </span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">今月尾的財政預算案基本上無驚喜,都是預期之內,減薪俸稅和個人入息課稅寬免一半,某程度相當變相加稅。今年財政在扣除</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;">1,200</span><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">億元債券收入是</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;">-2,663</span><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">億元,在上年年頭全面復常後居然比復常前</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;">2023</span><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">年度的</span><span lang="EN-US" style="font-size: 13.5pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;">-1,836</span><span face=""新細明體",serif" style="font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">億元高。樓市全面撤辣,睇下會唔會有助增加市場成交改善政府財政。以現時政府支出增加而收入減少下,日後難免會出現不同的稅收以維持政府的持續增加開支,是一個非常不理想的預想。</span></p>
Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com4tag:blogger.com,1999:blog-5837824626032143280.post-80943284977311791042024-02-22T08:30:00.002+08:002024-03-20T23:18:08.534+08:002024/02 - 1月股息和2月月供記錄 <p><span><span style="font-family: inherit; font-size: medium;">2024年 1月</span></span><span><span style="font-family: inherit; font-size: medium;">股息</span></span><span><span style="font-family: inherit; font-size: medium;">收入如下:</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">AGGG: HKD 8,490<br /></span></span></p><p><span><span style="font-family: inherit; font-size: medium;">眾籌提領的資金: HKD 420</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">1月薪金投入: HKD 25,000</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">總投入額: HKD 33,910</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">2024年 2月</span></span><span><span style="font-size: medium;"><span style="font-family: inherit;"><span><span>的投入為:</span></span></span></span></span><span><span style="font-family: inherit; font-size: medium;"> </span></span></p><span><span style="font-family: inherit; font-size: medium;">VWRD : 35<br /></span></span>Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com0tag:blogger.com,1999:blog-5837824626032143280.post-62805814475509104002024-02-01T09:00:00.001+08:002024-02-01T09:00:00.158+08:002024年1月總結 <!--[if gte mso 9]><xml>
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<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;"><b><u><span>現時投資組合</span></u></b><b><u><span lang="EN-US">:-</span></u></b><span lang="EN-US"></span></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;"><b><u><span>股票組合</span></u></b><b><u><span lang="EN-US"> (76%)</span></u></b><b><u><span lang="EN-US"></span></u></b></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">VT
: 520.71</span><span lang="EN-US" style="font-family: inherit;"></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">VWRD : 2,210</span><span lang="EN-US" style="font-family: inherit;"></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><b style="font-family: inherit;"><u><span lang="EN-US"><span style="text-decoration: none;"> </span></span></u></b></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;"><b><u><span>債券組合</span></u></b><b><u><span lang="EN-US"> (23.1%)</span></u></b><b><u><span lang="EN-US"></span></u></b></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">4252.HKG:
500 (19/05/2025</span><span style="font-family: inherit;">到期</span><span lang="EN-US" style="font-family: inherit;">)</span><span lang="EN-US" style="font-family: inherit;"></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">AGGG <span> </span>: 19,187</span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">US T-Bill : 8,000 (18/04/2024</span><span style="font-family: inherit;">到期</span><span lang="EN-US" style="font-family: inherit;">) </span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;"> </span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;"><b><u><span>眾籌組合</span></u></b><b><u><span lang="EN-US">(0.9%)</span></u></b><span lang="EN-US"></span></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">Peerberry
: EUR </span><span lang="EN-US" style="font-family: inherit;">795</span><span lang="EN-US" style="font-family: inherit;"></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">Mintos
: EUR </span><span lang="EN-US" style="font-family: inherit;">1,268</span><span lang="EN-US" style="font-family: inherit;"></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">Estateguru : EUR 1,514</span><span lang="EN-US" style="font-family: inherit;"></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;"> </span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;">現時總投資總數為</span><span lang="EN-US" style="font-family: inherit;">HKD 3,288,413 (</span><span style="font-family: inherit;">未計算強積金</span><span lang="EN-US" style="font-family: inherit;">)</span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;">現時總投資回報為</span><span lang="EN-US" style="font-family: inherit;">-246,949 (-7.8%)</span><span style="font-family: inherit;">,比上月總結</span><span lang="EN-US" style="font-family: inherit;"> </span><span lang="EN-US" style="font-family: inherit;">-246,658</span><span lang="EN-US" style="font-family: inherit;"> </span><span style="font-family: inherit;">下跌</span><span style="font-family: inherit;"> </span><span lang="EN-US" style="font-family: inherit;">291</span><span style="font-family: inherit;">。</span><span lang="EN-US" style="font-family: inherit;"></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">2024</span><span style="font-family: inherit;">年</span><span lang="EN-US" style="font-family: inherit;">1</span><span style="font-family: inherit;">月</span><span lang="EN-US" style="font-family: inherit;"> XIRR</span><span style="font-family: inherit;">為</span><span style="font-family: inherit;"> </span><span lang="EN-US" style="font-family: inherit;">0.3%</span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">2024</span><span style="font-family: inherit;">年</span><span lang="EN-US" style="font-family: inherit;"> XIRR</span><span style="font-family: inherit;">為</span><span lang="EN-US" style="font-family: inherit;">0.3</span><span lang="EN-US" style="font-family: inherit;">%</span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="color: #2b00fe; font-family: inherit;"> </span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">2024</span><span style="font-family: inherit;">年</span><span lang="EN-US" style="font-family: inherit;">1</span><span style="font-family: inherit;">月其中一項最大的新聞是</span><span lang="EN-US" style="font-family: inherit;">SEC</span><span style="font-family: inherit;">批准</span><span lang="EN-US" style="font-family: inherit;">11</span><span style="font-family: inherit;">隻</span><span lang="EN-US" style="font-family: inherit;">Bitcoin ETF</span><span style="font-family: inherit;">上市。今次獲准的</span><span lang="EN-US" style="font-family: inherit;">ETF</span><span style="font-family: inherit;">可以為想納入加密貨幣的投資人增加一個比較方便的方法進行配置,其中大部分的</span><span lang="EN-US" style="font-family: inherit;">Bitcoin ETF</span><span style="font-family: inherit;">都以</span><span lang="EN-US" style="font-family: inherit;">Coinbase</span><span style="font-family: inherit;">託管</span><span lang="EN-US" style="font-family: inherit;">ETF</span><span style="font-family: inherit;">中的</span><span lang="EN-US" style="font-family: inherit;">Bitcoin</span><span style="font-family: inherit;">。不過當中的</span><span lang="EN-US" style="font-family: inherit;">Bitcoin</span><span style="font-family: inherit;">買入賣出出現問題或托管公司出現問題或破產有機會使</span><span lang="EN-US" style="font-family: inherit;">ETF</span><span style="font-family: inherit;">產生損失。我有幸在</span><span lang="EN-US" style="font-family: inherit;">2022</span><span style="font-family: inherit;">年</span><span lang="EN-US" style="font-family: inherit;">6</span><span style="font-family: inherit;">月避開</span><span lang="EN-US" style="font-family: inherit;">Celsius</span><span style="font-family: inherit;">破產事件前數日成功提出</span><span lang="EN-US" style="font-family: inherit;">Celsius</span><span style="font-family: inherit;">全數的加密貨幣</span><span style="font-family: inherit;"> <span lang="EN-US">(</span></span><span style="font-family: inherit;">今月</span><span lang="EN-US" style="font-family: inherit;">28</span><span style="font-family: inherit;">日收到電郵指</span><span lang="EN-US" style="font-family: inherit;">Celsius</span><span style="font-family: inherit;">將會</span><span lang="EN-US" style="font-family: inherit;">2024</span><span style="font-family: inherit;">年</span><span lang="EN-US" style="font-family: inherit;">3</span><span style="font-family: inherit;">月停止所有服務</span><span lang="EN-US" style="font-family: inherit;">)</span><span style="font-family: inherit;">和在</span><span lang="EN-US" style="font-family: inherit;">2022</span><span style="font-family: inherit;">年</span><span lang="EN-US" style="font-family: inherit;">11</span><span style="font-family: inherit;">月賣出所有加密貨幣,深切相信</span><span lang="EN-US" style="font-family: inherit;"> ‘Not your key</span><span style="font-family: inherit;">,</span><span lang="EN-US" style="font-family: inherit;">Not your coins’ </span><span style="font-family: inherit;">,儘管現在我沒有持有任何加密貨幣,如果將來想在資產上配置加密貨幣,都只會以</span><span lang="EN-US" style="font-family: inherit;">Cold Wallet</span><span style="font-family: inherit;">形式持有。</span><span lang="EN-US" style="font-family: inherit;"></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;"> </span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;">另外今月參與抽機場零售債</span><span style="font-family: inherit;">,在條款上除了債券沒有抵押品外,基本上其餘條款都對債劵持有人不錯。</span><span style="font-family: inherit;">機場零售債</span><span style="font-family: inherit;">總額</span><span lang="EN-US" style="font-family: inherit;">50</span><span style="font-family: inherit;">億港元不算是一個大的債項,而且香港機場的客運能力已回復至疫情前</span><span lang="EN-US" style="font-family: inherit;">8</span><span style="font-family: inherit;">成,加上機場建設費的額外收入,我不認為機場會因資金問題而走數。我估計這次發債只是政府以機場作為</span><span lang="EN-US" style="font-family: inherit;">Pilot Scheme</span><span style="font-family: inherit;">的</span><span style="font-family: inherit;">零售債項目</span><span style="font-family: inherit;">,將來有機會有其他公營機構以類似形式發債發展香港的債券市場,對香港的現況來說算是好事。</span></span><span lang="EN-US" style="font-family: inherit;"></span></p>
Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com0tag:blogger.com,1999:blog-5837824626032143280.post-83102571096745174032024-01-23T08:30:00.002+08:002024-03-20T23:18:00.192+08:002024/01 - 12月股息和1月月供記錄<p><span><span style="font-family: inherit; font-size: medium;">2023年 12月</span></span><span><span style="font-family: inherit; font-size: medium;">股息</span></span><span><span style="font-family: inherit; font-size: medium;">收入如下:</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">VWRD: HKD 6,844<br /></span></span></p><p><span><span style="font-family: inherit; font-size: medium;">眾籌提領的資金: HKD 422</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">12月薪金投入: HKD 25,000</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">總投入額: HKD 32,266</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">2024年 1月</span></span><span><span style="font-size: medium;"><span style="font-family: inherit;"><span><span>的投入為:</span></span></span></span></span><span><span style="font-family: inherit; font-size: medium;"> </span></span></p><span><span style="font-family: inherit; font-size: medium;">VWRD :34</span></span>Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com0tag:blogger.com,1999:blog-5837824626032143280.post-87775785832043663162024-01-05T22:16:00.001+08:002024-01-06T07:41:04.500+08:00機場管理局2026年到期4.25厘定息零售債券(證券代號 4701)<!--[if !mso]>
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<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span face=""新細明體",serif" style="mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><div class="separator" style="clear: both; text-align: center;"><span face=""新細明體",serif" style="mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><span style="font-family: inherit; font-size: medium;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpRxugKkZUFLoVTZcJx4K57Jc0ipe4h6nfwcorVKnNqLLsED69sI0nrwwnTGJi9KbkzzWKU14oGDpDtyCPEIeJ12sC_SZoWjXmgm39dra067gpHWDFUeMkO1lfkPrZnS5YXAZFO0i_eD9BfQfSML6rVZW9NNklfgAZvVWucuHP0KXua6Uq2-LQqUpiGn8/s382/%E5%9C%96%E7%89%871.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="244" data-original-width="382" height="204" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpRxugKkZUFLoVTZcJx4K57Jc0ipe4h6nfwcorVKnNqLLsED69sI0nrwwnTGJi9KbkzzWKU14oGDpDtyCPEIeJ12sC_SZoWjXmgm39dra067gpHWDFUeMkO1lfkPrZnS5YXAZFO0i_eD9BfQfSML6rVZW9NNklfgAZvVWucuHP0KXua6Uq2-LQqUpiGn8/w320-h204/%E5%9C%96%E7%89%871.png" width="320" /></a></span></span></div><p></p><p><span style="font-family: inherit; font-size: medium;">機場管理局(機管局)2026年到期零售債券(證券代號 4701)息率是以定息4.25%年利率計算。這債券沒有債券評級,而標普全球評級對機管局的長期本地貨幣和長期外幣的評級為AA+。有別於之前香港特區政府的抗通脹債券和綠色債券,這債券設有100%贖回機制,在派息日前30至60日前提出贖回(即有時間限制,除非銀行或証劵行幫你接貨),可收回100%本金和應計未付利息。因此投資人不應設想會如一般可以在二手市場買賣的債券在減息周期會出現債價上升而得到額外獲利的機會,這意味亦不會出現因加息而債價下跌的風險。</span></p><p><span style="font-family: inherit; font-size: medium;">現時在二手市場同樣在兩年半後到期的美債和相同AA+評級的主權債和企業債的息率是相近,沒有派特別高息的情況。在去除兌換美元的費用下,直接用港元得到相同的息率的債券,對想增持債券的投資人是有一定需求。相信因100%贖回機制下會吸引一些擔心債價下跌而損失本金的人參與這次發債集資。</span></p><p><span style="font-family: inherit; font-size: medium;"> <br /></span></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><u><i>二手市場兩年半後到期的美債</i></u></span></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgePvrriv3dvFDs31GEaVnN-IxbKgoCW0f0ePg3MtBBbOgzljFvCSpF76iAALoS0LolN3OZuZEFwEmBojHvKrK0sbMQ3jfP9UfS-NHa165cHRkUUbczoG0-VwbT0oRHyQaHL87MhQUILpsLV2TMzfrS9tgF41E1M_5nUHy1zigf0ZxL2x3oXCgDPp1BvY/s554/%E5%9C%96%E7%89%872.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="70" data-original-width="554" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgePvrriv3dvFDs31GEaVnN-IxbKgoCW0f0ePg3MtBBbOgzljFvCSpF76iAALoS0LolN3OZuZEFwEmBojHvKrK0sbMQ3jfP9UfS-NHa165cHRkUUbczoG0-VwbT0oRHyQaHL87MhQUILpsLV2TMzfrS9tgF41E1M_5nUHy1zigf0ZxL2x3oXCgDPp1BvY/s16000/%E5%9C%96%E7%89%872.jpg" /></a></span></div><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><br /></span><p></p>
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<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium;"><u><i><span face=""新細明體",serif" lang="EN-US" style="mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">BondSupermark</span><span face=""新細明體",serif" style="mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">約兩年半後到期<span lang="EN-US">S&P AA+</span>評級的主權債和企業債</span></i></u></span></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjW4If3gHT_WyhgdxdtAV6hIN0KxuJy_w1od_Fd6Z5MWW-WCMoRHFI1xmoZDX_6zX4fMPDddntNshZ_oh2BSd3HXEHvPfnHACK62rhy80vZZKk2A5w3ye8m1-oG5N-3XBf-DLq7SblCtDROiwQIsCSdHVmQUpvqxMAoQVKx6d5voG1eyDEc9XxbSDJMEKI/s554/%E5%9C%96%E7%89%876.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="27" data-original-width="554" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjW4If3gHT_WyhgdxdtAV6hIN0KxuJy_w1od_Fd6Z5MWW-WCMoRHFI1xmoZDX_6zX4fMPDddntNshZ_oh2BSd3HXEHvPfnHACK62rhy80vZZKk2A5w3ye8m1-oG5N-3XBf-DLq7SblCtDROiwQIsCSdHVmQUpvqxMAoQVKx6d5voG1eyDEc9XxbSDJMEKI/s16000/%E5%9C%96%E7%89%876.png" /></a></span></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg3aXsPvzqQwF6u2C88nNCfBdMtnQrLIi40LvnPG6ZrOvH8REWW1iIA6JFYtXZnqmgrWYqxnZhpVEA22iA8nC8D-Os7Renm0kAdETRXfqWTS_NMzNe82Fmh6yuu-_M0sQRzwvw0EpVArNuE7ZmVv0YjiZh6WBaknD6GHkVAxCV2d2hRlhwBiekJ-VkdxKE/s554/%E5%9C%96%E7%89%875.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="28" data-original-width="554" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg3aXsPvzqQwF6u2C88nNCfBdMtnQrLIi40LvnPG6ZrOvH8REWW1iIA6JFYtXZnqmgrWYqxnZhpVEA22iA8nC8D-Os7Renm0kAdETRXfqWTS_NMzNe82Fmh6yuu-_M0sQRzwvw0EpVArNuE7ZmVv0YjiZh6WBaknD6GHkVAxCV2d2hRlhwBiekJ-VkdxKE/s16000/%E5%9C%96%E7%89%875.png" /></a></span></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgr1o7ERF8y-0HteSY6IjCBvR_3eemdfATqqI0nCEiIWbNbsQ1gTn4sZdU_Z73W9JkyelCBIarNi-f_gKBTNe5zVt5xnIIH9b7bfK4Vm3Qhtu_wSXT5IPJLekodGZOc3p_vcafSVuItGud5WlAXb9n4sFsU5Bf0q2WXxR3N7bnbv-DnfsMikV-YPV9We9E/s554/%E5%9C%96%E7%89%874.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="25" data-original-width="554" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgr1o7ERF8y-0HteSY6IjCBvR_3eemdfATqqI0nCEiIWbNbsQ1gTn4sZdU_Z73W9JkyelCBIarNi-f_gKBTNe5zVt5xnIIH9b7bfK4Vm3Qhtu_wSXT5IPJLekodGZOc3p_vcafSVuItGud5WlAXb9n4sFsU5Bf0q2WXxR3N7bnbv-DnfsMikV-YPV9We9E/s16000/%E5%9C%96%E7%89%874.png" /></a></span></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6Qbm0AP9pqVcPccWI8n83Kuz6PMFwrdVsB1QKYS6FSgAocuc4UdrLERNWdLnUkcyDA9BwoLRvqmRK3ohsO8yIIjOnd1oj57KhtdoCVUs5536Ypvdc7JJ3Zp_JwR469cP9ZtHtcUlzGS0R9XuPNZ59iJBI3Z6yGIy12eOh2_Pzq716kBmpQrniJ6MAuSE/s554/%E5%9C%96%E7%89%873.png" style="margin-left: 1em; 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mso-font-kerning: 0pt;"></span></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; 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</span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-no-proof: yes;">
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<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">債券於<span lang="EN-US">2024</span>年<span lang="EN-US">2</span>月<span lang="EN-US">5</span>日發行,每三個月派息一次,年期為<span lang="EN-US">2.5</span>年。每手為一萬港元,發行最多<span lang="EN-US">50</span>億港元,只接受持有香港身份證人士認購。詳細細節請參考機管局的發行備忘錄。</span></p><p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><span lang="EN-US"></span></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">機場管理局發行備忘錄<span lang="EN-US"> -
2026</span>年到期的<span lang="EN-US">4.25</span>厘港元債券<span lang="EN-US"></span></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><a href="https://www.hongkongairport.com/iwov-resources/file/airport-authority/Retail_Bond/Retail_Bond_Offering_Memorandum_tc.pdf">https://www.hongkongairport.com/iwov-resources/file/airport-authority/Retail_Bond/Retail_Bond_Offering_Memorandum_tc.pdf</a></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><span lang="EN-US"></span></span></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span face=""新細明體",serif" style="font-size: 13.5pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><span lang="EN-US"></span></span></p>
Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com0tag:blogger.com,1999:blog-5837824626032143280.post-76465111063920218952024-01-03T08:30:00.002+08:002024-02-01T07:07:53.184+08:002023年12月及2023年總結<p><span style="font-family: inherit; font-size: medium;"><b><u>現時投資組合</u></b><b><u><span lang="EN-US">:-</span></u></b><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><b><u>股票組合</u></b><b><u><span lang="EN-US"> (75.2%)</span></u></b><b><u><span lang="EN-US"></span></u></b></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">VT
: 520.71 (</span>股息再投入增加<span lang="EN-US">2.85</span>股<span lang="EN-US">)</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">VWRD : 2,176</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><b><u><span lang="EN-US"><span style="text-decoration: none;"><br /></span></span></u></b></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><b><u>債券組合</u></b><b><u><span lang="EN-US"> (23.9%)</span></u></b><b><u><span lang="EN-US"></span></u></b></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">4252.HKG:
500 (19/05/2025</span>到期<span lang="EN-US">)</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">AGGG <span> </span>: 19,187</span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">US T-Bill : 8,000 (18/04/2024</span>到期<span lang="EN-US">#) </span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"># </span>之前持有的<span lang="EN-US">US T-Bill </span>已在<span lang="EN-US">12</span>月<span lang="EN-US">28</span>日到期贖回,將本金轉買今年中<span lang="EN-US">4</span>月到期的<span lang="EN-US">US T-Bill</span>,扣除手續費後有<span lang="EN-US">5% p.a. </span>息。<span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"><br /></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><b><u>眾籌組合</u></b><b><u><span lang="EN-US">(0.9%)</span></u></b><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">Peerberry
: EUR </span><span lang="EN-US">845</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">Mintos
: EUR </span><span lang="EN-US">1,267</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">Estateguru : EUR 1,499</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"> </span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><b><u>強積金組合</u></b><b><u><span lang="EN-US">(</span></u></b><b><u>扣除僱主供款</u></b><b><u><span lang="EN-US">)</span></u></b><span lang="EN-US"></span></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: justify; text-justify: inter-ideograph;"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">Global Equity Fund (GEF) : HKD 946,438</span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"> </span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;">現時總投資總數為<span lang="EN-US">HKD 3,254,227 (</span>未計算強積金<span lang="EN-US">)</span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;">現時總投資和強積金總數為<span lang="EN-US">HKD 4,200,665 (</span>扣除僱主強積金供款<span lang="EN-US">)</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;">現時總投資回報為<span lang="EN-US">-246,658 (-7.9%)</span>,比上月總結<span lang="EN-US"> </span><span lang="EN-US">-384,157</span><span lang="EN-US"> </span>上升<span> </span><span lang="EN-US">137,499</span>。<span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">2023</span>年<span lang="EN-US">12</span>月<span lang="EN-US"> XIRR</span>為<span> </span><span lang="EN-US">4.5%</span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">2023</span>年第四季<span lang="EN-US"> XIRR</span>為<span> <span lang="EN-US">9</span></span><span lang="EN-US">.5%</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">2023</span>年<span lang="EN-US"> XIRR</span>為<span lang="EN-US">1</span><span lang="EN-US">5.8%</span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US" style="color: #2b00fe;"> </span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><b><u>儲蓄</u></b><b><u>率</u></b><span lang="EN-US" style="color: #2b00fe;"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;">儲蓄率由年初至今年第四季為<span lang="EN-US">67%</span>,比第三季時<span lang="EN-US">46%</span>上升不少,原因是第三季有不少額外的旅遊支出而第四季只維持一般的日常支出。<span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">2023</span>全年的儲蓄率為<span lang="EN-US">64%</span>,比<span lang="EN-US">2022</span>年的<span lang="EN-US">54%</span>上升<span lang="EN-US">10%</span>,主要是收到一筆高額的完約獎金收入。</span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"></span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"></span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"></span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"></span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"></span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"></span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US" style="color: #2b00fe;">
</span><span lang="EN-US" style="color: #2b00fe;"></span></span></p>
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiK-JtcnJFIzEaZAKZgrL7iQQ1Bu3x-9DNiF6gWWcHWxASjAhcvkaAqkH_8aFJhs2VAOZbG7RQ6046pmu8TVc4pihQebNSwSWoPm_H7S1qsQGX_JzdmrM24wMsewDaCVa-HntNG6YIy6e1hMhyU4v_l6oSJpRvDMGwoRzaJdGCAf9E9rOT3zfJrqRT0RyQ/s665/2023%E5%B9%B4%E5%84%B2%E8%93%84%E7%8E%87.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="390" data-original-width="665" height="376" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiK-JtcnJFIzEaZAKZgrL7iQQ1Bu3x-9DNiF6gWWcHWxASjAhcvkaAqkH_8aFJhs2VAOZbG7RQ6046pmu8TVc4pihQebNSwSWoPm_H7S1qsQGX_JzdmrM24wMsewDaCVa-HntNG6YIy6e1hMhyU4v_l6oSJpRvDMGwoRzaJdGCAf9E9rOT3zfJrqRT0RyQ/w640-h376/2023%E5%B9%B4%E5%84%B2%E8%93%84%E7%8E%87.png" width="640" /></a></div><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><b><u> </u></b></span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><b><u>現時</u></b><b><u>投資</u></b><b><u>組合和基準指數組合比</u></b><b><u>較</u></b><span lang="EN-US" style="color: #2b00fe;"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;">以不同比例的環球股票指數<span lang="EN-US">FTSE
Global All Cap Index(VT</span>所追蹤的指數<span lang="EN-US">)</span>和環球債券指數<span lang="EN-US">Bloomberg Global Aggregate Float Adjusted Composite Index(BNDW</span>所追蹤的指數<span lang="EN-US">)</span>和現時投資組合比較,今次開始額外加入<span lang="EN-US">MPF</span>組合以追蹤其回報。<span lang="EN-US">2023</span>年累積回報如下表。<span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"> </span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;">現時投資組合的表現為<span lang="EN-US">80%</span>股<span lang="EN-US">+20%</span>債和 <span lang="EN-US">60%</span>股<span lang="EN-US">+40%</span>債之間,依股債比例上投資組合表現比預期差。而<span lang="EN-US">MPF</span>組合中的基金雖然是主動投資的基金,其表現亦交出一個只比全環球股票指數略低的回報,算是不俗的表現。<span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"><br /></span></span></p>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody><tr>
<td style="border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium;">組合<span lang="EN-US"></span></span></p>
</td>
<td style="border-left: none; border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">2023</span>年累積回報<span lang="EN-US">(%)</span></span></p>
</td>
</tr>
<tr>
<td style="border-top: none; border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">100%</span>股<span lang="EN-US"></span></span></p>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-color: currentcolor windowtext windowtext currentcolor; border-left: none; border-right: solid windowtext 1.0pt; border-style: none solid solid none; border-top: none; border-width: medium 1pt 1pt medium; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">21.19</span></span></p>
</td>
</tr>
<tr>
<td style="border-top: none; border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">MPF</span>組合<span lang="EN-US"></span></span></p>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-color: currentcolor windowtext windowtext currentcolor; border-left: none; border-right: solid windowtext 1.0pt; border-style: none solid solid none; border-top: none; border-width: medium 1pt 1pt medium; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">19.80</span></span></p>
</td>
</tr>
<tr>
<td style="border-top: none; border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">80%</span>股<span lang="EN-US">+20%</span>債<span lang="EN-US"></span></span></p>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-color: currentcolor windowtext windowtext currentcolor; border-left: none; border-right: solid windowtext 1.0pt; border-style: none solid solid none; border-top: none; border-width: medium 1pt 1pt medium; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">18.33</span></span></p>
</td>
</tr>
<tr>
<td style="border-top: none; border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium;">投資組合<span lang="EN-US"></span></span></p>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-color: currentcolor windowtext windowtext currentcolor; border-left: none; border-right: solid windowtext 1.0pt; border-style: none solid solid none; border-top: none; border-width: medium 1pt 1pt medium; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">15.83</span></span></p>
</td>
</tr>
<tr>
<td style="border-top: none; border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">60%</span>股<span lang="EN-US">+40%</span>債<span lang="EN-US"></span></span></p>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-color: currentcolor windowtext windowtext currentcolor; border-left: none; border-right: solid windowtext 1.0pt; border-style: none solid solid none; border-top: none; border-width: medium 1pt 1pt medium; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">15.46</span></span></p>
</td>
</tr>
<tr>
<td style="border-top: none; border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">40%</span>股<span lang="EN-US">+60%</span>債<span lang="EN-US"></span></span></p>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-color: currentcolor windowtext windowtext currentcolor; border-left: none; border-right: solid windowtext 1.0pt; border-style: none solid solid none; border-top: none; border-width: medium 1pt 1pt medium; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">12.60</span></span></p>
</td>
</tr>
<tr>
<td style="border-top: none; border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">20%</span>股<span lang="EN-US">+80%</span>債<span lang="EN-US"></span></span></p>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-color: currentcolor windowtext windowtext currentcolor; border-left: none; border-right: solid windowtext 1.0pt; border-style: none solid solid none; border-top: none; border-width: medium 1pt 1pt medium; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">9.73</span></span></p>
</td>
</tr>
<tr>
<td style="border-top: none; border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">100%</span>債<span lang="EN-US"></span></span></p>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-color: currentcolor windowtext windowtext currentcolor; border-left: none; border-right: solid windowtext 1.0pt; border-style: none solid solid none; border-top: none; border-width: medium 1pt 1pt medium; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">6.87</span></span></p>
</td>
</tr>
</tbody></table>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US" style="color: #2b00fe;">
</span><span lang="EN-US" style="color: #2b00fe;"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"></span></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-family: inherit; font-size: medium;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiu0_BYPMDWHeK5jrlIWcZXNMC5lMftUQPu57riRG1CYyY3fTVR0JKioJWkhqPIq8P2M0wEheP10E41fCzaCiLztelAKO6zBuC-Eoq-d-OZxiSgPioMssAX_kShX7-vG8r4mlIaSDxJB39yXsNfKaF1zYxeb8PG1iFdRBMIaNjt-qtdhElSCZW5cUggusg/s766/2023%E5%B9%B4%E7%B4%AF%E7%A9%8D%E5%9B%9E%E5%A0%B1.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="444" data-original-width="766" height="370" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiu0_BYPMDWHeK5jrlIWcZXNMC5lMftUQPu57riRG1CYyY3fTVR0JKioJWkhqPIq8P2M0wEheP10E41fCzaCiLztelAKO6zBuC-Eoq-d-OZxiSgPioMssAX_kShX7-vG8r4mlIaSDxJB39yXsNfKaF1zYxeb8PG1iFdRBMIaNjt-qtdhElSCZW5cUggusg/w640-h370/2023%E5%B9%B4%E7%B4%AF%E7%A9%8D%E5%9B%9E%E5%A0%B1.png" width="640" /></a></span></div><span style="font-family: inherit; font-size: medium;">2023年是一個回報不錯的年份,但它不是一個慢慢向上,年中出現至少<span lang="EN-US">2</span>次下跌,大幅上升的趨勢分散在全年中的<span lang="EN-US">4</span>個月份,只要錯過當中的其中一個,今年的表現將會相差很多。這是為什麼投資人應該長期要留在市場不要<span lang="EN-US">Timing the Market</span>。當然實行上來出現的波幅是相當考驗投資人對個人的當時損失的承受能力。<span lang="EN-US"></span></span><p></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"> </span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;">眾籌部分在今季已減持至約投資組合的<span lang="EN-US">1%</span>,之後會以這比例維持現狀,除非投資組合下跌使它回升至投資組合的<span lang="EN-US">2%</span>。雖然市場已預期美國聯邦基金利率預期在<span lang="EN-US">2024</span>年將會下降,但不代表它會一下子減至一個很低的水平,亦有機會長期維持一個比較高的利率,眾籌這類極高風險投資只持有一個比較低的比重減少來減低對股資組合的影響。<span lang="EN-US"></span></span></p><p> <br /></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">12</span>月中參加了全城街馬第一次舉行全程馬拉松,是香港唯二的城市中心馬拉松。賽事當日剛好冷鋒來港,變相降低了賽事難度。這次缺乏長距離慢跑訓練下在後段追不上<span lang="EN-US">4:30Pacer</span>,只能勉強維持沒有步行和抽筋的狀態下以<span lang="EN-US">Sub5</span>完成賽事,可以說是非常幸運。</span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-family: inherit; font-size: medium;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEix7uw1Qk0Hr3i_GH6FjqqoWcAeninUHMSq-PvLhpSci3AOsuGQWNzmA7neVkox_f9Oqwi7z-bM3_QNje8x1unaodjPnYgcnAc_hTGl2ob8tesHl96Pd7C9Sf5g_3xqYJg3Qypxg4IIcbstytzSYXQtNJhHi8DHLBbeA0HOvndlsvK7R1Axxxx6rUUIejo/s791/%E5%9C%96%E7%89%871.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="791" data-original-width="554" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEix7uw1Qk0Hr3i_GH6FjqqoWcAeninUHMSq-PvLhpSci3AOsuGQWNzmA7neVkox_f9Oqwi7z-bM3_QNje8x1unaodjPnYgcnAc_hTGl2ob8tesHl96Pd7C9Sf5g_3xqYJg3Qypxg4IIcbstytzSYXQtNJhHi8DHLBbeA0HOvndlsvK7R1Axxxx6rUUIejo/w448-h640/%E5%9C%96%E7%89%871.png" width="448" /></a></span></div><span style="font-family: inherit; font-size: medium;"><br /> </span><p></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"></span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"></span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"></span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"></span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">
</span><span lang="EN-US"></span><span lang="EN-US">12</span>月尾其中一項港股最大的新聞是國內月尾的新政策使網遊相關股大幅度下跌。這個情況跟<span lang="EN-US">2021</span>年的教育股暴跌事件相似,新政策長遠係對人對公司都係好,唔會令相關公司太側重在網絡遊戲收入。不過市場對國內政策反應很大,其他地區發出類似政策甚少出現大型股下跌超過<span lang="EN-US">25%</span>的情況,這亦反映市場對國內的信心仍然不足,這方面仍需時間去改善。<span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"> </span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">12</span>月參與匯君<span lang="EN-US">Second Opinion</span>直播<span lang="EN-US">Part 1</span>,在回答其中一條問題中匯君的表達香港現時的經濟支柱其實已經不如以往,但失業率一直保持低下,很大可能是就業人數流失以使基數下降以支持低的失業率。幾年後如果四大支柱真的失去其優勢,失業率或薪金下跌必然回歸現實。將來勞動市場未必會如今年如政府統計處的預計維持緊絀,今後大概需預先做好準備,迎接今後數年的難關。同時亦留意部分問題是有關健康問題的煩惱,有問題應盡早求醫或尋求專業支援,避免問題惡化影響生活或其他事情。<span lang="EN-US"></span><span lang="EN-US"> </span></span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"> <br /></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;"><span lang="EN-US">By the way</span>,雖然今次寫的總結是預計將來經濟和生活可能會傾向負面,但係生命就是挑戰一個又一個的難關<span lang="EN-US">(</span>除非你是含住金鎖匙出世<span lang="EN-US">)</span>。希望大家<span lang="EN-US">2024</span>年各位生活順利,投資得意,成功渡過來年的各個難關。同時在新年度提醒指數投資人不要忘記每年進行定時的再平衡,以維持一個適合您個人需要和風險的投資組合長期留在市場。</span><span face=""新細明體", serif"><span lang="EN-US"></span></span></span></p>
Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com6tag:blogger.com,1999:blog-5837824626032143280.post-29170665730715883492023-12-21T08:30:00.001+08:002023-12-21T08:30:00.353+08:002023/12 - 11月股息和12月月供記錄<p><span><span style="font-family: inherit; font-size: medium;">2023年 11月沒有</span></span><span><span style="font-family: inherit; font-size: medium;">股息</span></span><span><span style="font-family: inherit; font-size: medium;">收入</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">眾籌提領的資金: HKD5,665</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">11月薪金投入: HKD 25,000</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">總投入額: HKD 30,665</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">2023年 12月</span></span><span><span style="font-size: medium;"><span style="font-family: inherit;"><span><span>的投入為:</span></span></span></span></span><span><span style="font-family: inherit; font-size: medium;"> </span></span></p><span><span style="font-family: inherit; font-size: medium;">VWRD : 33</span></span>Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com2tag:blogger.com,1999:blog-5837824626032143280.post-49223707130713171492023-12-03T08:30:00.006+08:002023-12-03T08:30:00.276+08:002023年11月總結 <p><span style="font-family: inherit; font-size: medium;"><b><u><span>現時投資組合</span></u></b><b><u><span lang="EN-US">:-</span></u></b><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><b><u><span>股票組合</span></u></b><b><u><span lang="EN-US"> (74.5%)</span></u></b><b><u><span lang="EN-US"></span></u></b></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">VT
: 517.86 </span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">VWRD : 2,143</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><b><u><span lang="EN-US"><span style="text-decoration: none;"> </span></span></u></b></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><b><u><span>債券組合</span></u></b><b><u><span lang="EN-US"> (24.3%)</span></u></b><b><u><span lang="EN-US"></span></u></b></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">4252.HKG: 500 (19/05/2025</span>到期<span lang="EN-US">)</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">AGGG <span> </span>: 19,187</span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">US T-Bill : 8,000 (28/12/2023</span>到期<span lang="EN-US">)</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"> </span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><b><u><span>眾籌組合</span></u></b><b><u><span lang="EN-US">(1.2%)</span></u></b><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">Peerberry
: EUR </span><span lang="EN-US">894</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">Mintos
: EUR </span><span lang="EN-US">1,826</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">Estateguru : EUR 1,543</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"> </span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;">現時總投資總數為<span lang="EN-US">HKD 3,090,756 (</span>未計算強積金<span lang="EN-US">)</span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;">現時總投資回報為<span lang="EN-US">-384,157 (-12.4%)</span>,比上月總結<span lang="EN-US"> </span><span lang="EN-US">-610,071</span><span lang="EN-US"> </span>上升 <span lang="EN-US">225,914</span>。<span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">2023</span>年<span lang="EN-US">11</span>月<span lang="EN-US"> XIRR</span>為 <span lang="EN-US">7</span><span lang="EN-US">.7%</span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">2023</span>全年<span lang="EN-US"> XIRR</span>為<span lang="EN-US">11.1%<span style="color: #2b00fe;"></span></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"> </span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">11</span>月的股市完全回復之前<span lang="EN-US">3</span>個月的跌幅,主要是對美國今後不再大幅加息的觀點而展開升幅。如果投資人剛好在<span lang="EN-US">10</span>月尾對市場失去信心而離開市場,他們將失去今年一次重要的升幅。不過對長期在市場的投資人對短期的波幅是沒有反應,只管定期不斷重覆基本做法來增長資產部分。<span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"> </span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;">近日看畢《<span lang="EN-US">FIRE </span>致富實踐》,當中節稅章節它有相當多的篇幅去解釋做法,想法大概是做很多不同的方法在工作時將最高稅率的稅收去延後課稅,延後至往後的時間,以最低的稅率來課稅,個人來看再考慮通脹率,將來這筆課稅有可能已經少到不用考量。省下的資金可以用作投資來增快資產增長的機會,而不是每年將錢直接流失給稅務局。可惜做法是針對美國的做法,而香港則比較少相關的書籍可作參考。節稅上是否有機會做得更好需再作研究。</span></p>
Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com0tag:blogger.com,1999:blog-5837824626032143280.post-45278102843276267602023-11-29T08:01:00.006+08:002023-11-29T08:04:05.212+08:00巴菲特拍檔查理芒格Charlie Munger逝世<p><span style="font-size: medium;"><span style="font-family: inherit;">巴郡今早出公告指查理芒格已在11月28日離世。巴菲特在公告指出巴郡如果沒有查理芒格的靈感、智慧和參與, 巴郡不可能發展到現在的狀態。 Rest in peace,an investment legend Charlie Munger....</span></span></p><p><span style="font-size: medium;"><span style="font-family: inherit;">巴郡相關公告 <br /></span></span></p><p><span style="font-size: medium;"><span style="font-family: inherit;"><a href="https://www.berkshirehathaway.com/news/nov2823.pdf" target="_blank">https://www.berkshirehathaway.com/news/nov2823.pdf</a> </span></span></p>Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com0tag:blogger.com,1999:blog-5837824626032143280.post-85394076942298905262023-11-23T08:30:00.008+08:002023-11-23T08:30:00.168+08:002023/11 - 10月股息和11月月供記錄<span><span style="font-family: inherit; font-size: medium;">2023年 10月沒有</span></span><span><span style="font-family: inherit; font-size: medium;">股息</span></span><span><span style="font-family: inherit; font-size: medium;">收入</span></span><p><span><span style="font-family: inherit; font-size: medium;">眾籌提領的資金: HKD 4,828</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">09月薪金投入: HKD 25,000</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">總投入額: HKD 29</span></span><span><span style="font-family: inherit; font-size: medium;">,828</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">2023年 11月</span></span><span><span style="font-size: medium;"><span style="font-family: inherit;"><span><span>的投入為:</span></span></span></span></span><span><span style="font-family: inherit; font-size: medium;"> </span></span></p><span><span style="font-family: inherit; font-size: medium;">VWRD : 33</span></span>Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com0tag:blogger.com,1999:blog-5837824626032143280.post-73804387177394057532023-11-02T08:30:00.001+08:002023-11-02T08:30:00.150+08:002023年10月總結 <p><span style="font-family: inherit; font-size: medium;"><b><u>現時投資組合</u></b><b><u><span lang="EN-US">:-</span></u></b><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><b><u>股票組合</u></b><b><u><span lang="EN-US"> (73.3%)</span></u></b><b><u><span lang="EN-US"></span></u></b></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">VT
: 517.86 </span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">VWRD : 2,110</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><b><u>債券組合</u></b><b><u><span lang="EN-US"> (25.3%)</span></u></b><b><u><span lang="EN-US"></span></u></b></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">4252.HKG: 500 (19/05/2025</span>到期<span lang="EN-US">)</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">AGGG <span> </span>: 19,187</span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">US T-Bill : 8,000 (28/12/2023</span>到期<span lang="EN-US">)</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><b><u>眾籌組合</u></b><b><u><span lang="EN-US">(1.4%)</span></u></b><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">Peerberry
: EUR </span><span lang="EN-US">943</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">Mintos
: EUR </span><span lang="EN-US">2,335</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">Estateguru : EUR 1,529</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;">現時總投資總數為<span lang="EN-US">HKD 2,845,898 (</span>未計算強積金<span lang="EN-US">)</span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;">現時總投資回報為<span lang="EN-US">-610,071 (-19.8%)</span>,比上月總結<span lang="EN-US"> </span><span lang="EN-US">-525,761</span><span lang="EN-US"> </span>下跌<span> </span><span lang="EN-US">84,310</span>。<span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">2023</span>年<span lang="EN-US">10</span>月<span lang="EN-US"> XIRR</span>為<span> <span lang="EN-US">-</span></span><span lang="EN-US">2.7%</span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">2023</span>全年<span lang="EN-US"> XIRR</span>為<span lang="EN-US">3.2%<span style="color: #2b00fe;"></span></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;"><span lang="EN-US">10</span>月也是股市下跌的月分,由<span lang="EN-US">8</span>月至今已經是連續<span lang="EN-US">3</span>月的下跌,如果只集中在近一季的回報,投資人短期可能已對股票失去信心,不過以長期回報來看<span lang="EN-US">,</span>由年初的至今的回報來看,今年的回報還是能保持正回報。無論如何,在未有消耗應急資金的情況下,現時投資不會作出任何改變,保留在市場承受風險和得到應有的市場回報。</span><span style="font-family: "新細明體", serif;"><span lang="EN-US"></span></span></span></p>
Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com0tag:blogger.com,1999:blog-5837824626032143280.post-84418628707166458002023-10-25T08:30:00.002+08:002023-10-25T08:30:00.154+08:00道富(SPDR) 追蹤S&P 500 UCITS ETF (股票代號SPY5)管理費用將減至基金行業最低 (0.03% TER)<p><span style="font-family: inherit; font-size: medium;">自今年<span lang="EN-US">8</span>月道富<span lang="EN-US">(SPDR)</span>減低美國<span lang="EN-US">ETF</span>的管理費用,今次將目標轉向歐洲上市的<span lang="EN-US">UCITS ETF</span>,在下月<span lang="EN-US">11</span>月<span lang="EN-US">1</span>日開始下降追蹤<span lang="EN-US">S&P 500</span>指數和的<span lang="EN-US">UCITS
ETF(SPY5)</span>的管理費用至原有費用的<span lang="EN-US">3</span>分之一至<span lang="EN-US">0.03%</span>,<span lang="EN-US">S&P
500</span>包含<span lang="EN-US">500</span>間具有代表性的美國大型公司,佔<span lang="EN-US">80%</span>美股的總市值,是世界最重要的股票指數之一。</span></p><p><span style="font-family: inherit; font-size: medium;"></span></p><p><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">SPY5</span>的管理費用將會和美國上市追蹤同樣指數的<span lang="EN-US">VOO</span>相同。<span> <span lang="EN-US">UCITS ETF</span></span>對外國人的較低的派息稅率和沒有遺產稅的優勢下(<a href="https://martisfi.blogspot.com/2022/08/etf-etf.html" target="_blank">相關<span lang="EN-US">blog</span>文</a>),它的費用將會比<span lang="EN-US">VOO</span>更便宜的缺點。十分適合非美國投資人在長期投資下轉換至<span lang="EN-US">SPY5</span>以較低的費用取得相同的追蹤效果。</span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"></span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;">這次還有</span><span style="font-family: inherit; font-size: medium;">另外<span lang="EN-US">3</span>個<span lang="EN-US">ETF</span></span><span style="font-family: inherit; font-size: medium;">降低費用 (下圖),但它們是比較冷門或偏向歐洲投資人的</span><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">ETF</span></span><span style="font-family: inherit; font-size: medium;">就不作詳述,有興趣可以參考道富的網站</span><span style="font-family: inherit; font-size: medium;">。<span lang="EN-US"></span></span></p><p><span style="font-family: inherit; font-size: medium;"></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-family: inherit; font-size: medium;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8LFHcPoEZ8W4pzJF220OKevwHZLszcALvVB0d4YUM18LLOT8lkR0yf0PGmyK37Rr3H0uanYZIQIjxWdh_dHtyL90Kmi6g9XLa7puY7KlPSONlFV41yMl5IlWSLx3POgRfgio-jqryLFowGvBbRl3TlCePXrL4yBzd3vhHoTn9_Det1YRfElYjvIQUd1U/s779/%E6%93%B7%E5%8F%96.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="166" data-original-width="779" height="136" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8LFHcPoEZ8W4pzJF220OKevwHZLszcALvVB0d4YUM18LLOT8lkR0yf0PGmyK37Rr3H0uanYZIQIjxWdh_dHtyL90Kmi6g9XLa7puY7KlPSONlFV41yMl5IlWSLx3POgRfgio-jqryLFowGvBbRl3TlCePXrL4yBzd3vhHoTn9_Det1YRfElYjvIQUd1U/w640-h136/%E6%93%B7%E5%8F%96.JPG" width="640" /></a></span></div><p></p><p><span style="font-family: inherit; font-size: medium;">道富<span lang="EN-US">(SPDR) </span></span><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">UCITS
ETF(SPY5)</span></span><span style="font-family: inherit; font-size: medium;">的官方連結</span><span style="font-family: inherit; font-size: medium;"><br /></span><span style="font-family: inherit; font-size: medium;"><a href="https://www.ssga.com/uk/en_gb/institutional/etfs/funds/spdr-sp-500-ucits-etf-dist-spy5-gy" target="_blank">https://www.ssga.com/uk/en_gb/institutional/etfs/funds/spdr-sp-500-ucits-etf-dist-spy5-gy</a></span></p><p><span style="font-family: inherit; font-size: medium;">道富<span lang="EN-US">(SPDR)</span>減低管理費用的官方文件連結</span>
</p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"><a href="https://www.ssga.com/library-content/announcement/etfs/emea/2023/en/ssga-spdr-i-shareholder-notice-ter-reductions.pdf">https://www.ssga.com/library-content/announcement/etfs/emea/2023/en/ssga-spdr-i-shareholder-notice-ter-reductions.pdf</a></span></span></p>
Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com0tag:blogger.com,1999:blog-5837824626032143280.post-28632587823254481692023-10-21T08:30:00.001+08:002023-10-21T08:30:00.135+08:002023/10 - 09月股息和10月月供記錄<p><span><span style="font-family: inherit; font-size: medium;">2023年 09月股息</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">VWRD: HKD 7,328 <br /></span></span></p><p><span><span style="font-family: inherit; font-size: medium;">眾籌提領的資金: HKD 10,950</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">09月薪金投入: HKD 25,000</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">總投入額: HKD 43</span></span><span><span style="font-family: inherit; font-size: medium;">,278</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">2023年 10月</span></span><span><span style="font-size: medium;"><span style="font-family: inherit;"><span><span>的投入為:</span></span></span></span></span><span><span style="font-family: inherit; font-size: medium;"> </span></span></p><span><span style="font-family: inherit; font-size: medium;">VWRD : 52</span></span>Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com0tag:blogger.com,1999:blog-5837824626032143280.post-87914015681347175862023-10-01T08:00:00.003+08:002023-10-09T21:02:01.454+08:002023年9月及2023年第三季總結<p><span style="font-size: medium;"><span style="font-family: inherit;"><b><u><span>現時投資組合</span></u></b><b><u><span lang="EN-US">:-</span></u></b><span lang="EN-US"></span></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;"><b><u><span>股票組合</span></u></b><b><u><span lang="EN-US"> (73%)</span></u></b><b><u><span lang="EN-US"></span></u></b></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">VT
: 517.86 (</span><span style="font-family: inherit;">以股代息增加</span><span lang="EN-US" style="font-family: inherit;">1.09</span><span style="font-family: inherit;">股</span><span lang="EN-US" style="font-family: inherit;">)</span><span lang="EN-US" style="font-family: inherit;"></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">VWRD : 2,057</span><span lang="EN-US" style="font-family: inherit;"></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><b style="font-family: inherit;"><u><span lang="EN-US"><span style="text-decoration: none;"><br /></span></span></u></b></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;"><b><u><span>債券組合</span></u></b><b><u><span lang="EN-US"> (25.3%)</span></u></b><b><u><span lang="EN-US"></span></u></b></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">4252.HKG: 500 (19/05/2025</span><span style="font-family: inherit;">到期</span><span lang="EN-US" style="font-family: inherit;">)</span><span lang="EN-US" style="font-family: inherit;"></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">AGGG <span> </span>: 19,187</span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">US T-Bill : 8,000 (28/12/2023</span><span style="font-family: inherit;">到期</span><span lang="EN-US" style="font-family: inherit;">)</span><span lang="EN-US" style="font-family: inherit;"></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;"> </span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;"><b><u><span>眾籌組合</span></u></b><b><u><span lang="EN-US">(1.7%)</span></u></b><span lang="EN-US"></span></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">Peerberry
: EUR </span><span lang="EN-US" style="font-family: inherit;">993</span><span lang="EN-US" style="font-family: inherit;"></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">Mintos
: EUR </span><span lang="EN-US" style="font-family: inherit;">3,592</span><span lang="EN-US" style="font-family: inherit;"></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">Estateguru : EUR 1,517</span><span lang="EN-US" style="font-family: inherit;"></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;"> </span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;"><b><u><span>強積金組合</span></u></b><b><u><span lang="EN-US">(</span></u></b><b><u><span>計算僱主供款</span></u></b><b><u><span lang="EN-US">)</span></u></b><span lang="EN-US"></span></span></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: justify; text-justify: inter-ideograph;"><span style="font-size: medium;"><span style="font-family: inherit;">環球股票基金</span><span lang="EN-US" style="font-family: inherit;">: HKD 856,550</span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;"> </span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;">現時總投資總數為</span><span lang="EN-US" style="font-family: inherit;">HKD 2,898,930 (</span><span style="font-family: inherit;">未計算強積金</span><span lang="EN-US" style="font-family: inherit;">)</span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;">現時總投資和強積金總數為</span><span lang="EN-US" style="font-family: inherit;">HKD 3,752,480 (</span><span style="font-family: inherit;">扣除僱主強積金供款</span><span lang="EN-US" style="font-family: inherit;">)</span><span lang="EN-US" style="font-family: inherit;"></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;">現時總投資回報為</span><span lang="EN-US" style="color: red; font-family: inherit;">-525,761 (-17.3%)</span><span style="font-family: inherit;">,比上月總結</span><span lang="EN-US" style="font-family: inherit;"> </span><span lang="EN-US" style="color: red; font-family: inherit;">-411,148</span><span lang="EN-US" style="font-family: inherit;"> </span><span style="font-family: inherit;">下跌</span><span style="font-family: inherit;"> </span><span lang="EN-US" style="color: red; font-family: inherit;">114,613</span><span style="font-family: inherit;">。</span><span lang="EN-US" style="font-family: inherit;"></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">2023</span><span style="font-family: inherit;">年</span><span lang="EN-US" style="font-family: inherit;">09</span><span style="font-family: inherit;">月</span><span lang="EN-US" style="font-family: inherit;"> XIRR</span><span style="font-family: inherit;">為</span><span style="font-family: inherit;"> <span lang="EN-US">-</span></span><span lang="EN-US" style="color: #2b00fe; font-family: inherit;">4.6%</span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">2023</span><span style="font-family: inherit;">年</span><span style="font-family: inherit;">第三季</span><span lang="EN-US" style="font-family: inherit;"> XIRR</span><span style="font-family: inherit;">為</span><span style="font-family: inherit;"> <span lang="EN-US">-</span></span><span lang="EN-US" style="color: #2b00fe; font-family: inherit;">3.7%</span><span lang="EN-US" style="color: #2b00fe; font-family: inherit;"></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">2023</span><span style="font-family: inherit;">全年</span><span lang="EN-US" style="font-family: inherit;"> XIRR</span><span style="font-family: inherit;">為</span><span lang="EN-US" style="color: #2b00fe; font-family: inherit;">6.3%</span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="color: #2b00fe; font-family: inherit;"> </span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;"><b><u><span>儲蓄</span></u></b><b><u><span>率</span></u></b><span lang="EN-US" style="color: #2b00fe;"></span></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;">儲蓄率由年初至今年第三季為</span><span lang="EN-US" style="font-family: inherit;">67%</span><span style="font-family: inherit;">,比半年時</span><span lang="EN-US" style="font-family: inherit;">54%</span><span style="font-family: inherit;">上升不少,主要原因是第三季收到工作的大額的約滿酬金。</span><span lang="EN-US" style="font-family: inherit;">9</span><span style="font-family: inherit;">月的低儲蓄率成因是繳付上年度的稅款,支付今年旅行和所需的外幣兌換支出。</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;"> </span></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-size: medium;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhM8T5TFfc7HU1F1vwGzyslT-Ayk6wmHkP5S4qaFXVNPKwBITml0YUT-rdP9szpNCQX9NObwjZRASlCCv0ir2KMOx9JzS1UAuF_OrErADh7NgNsR4kfWlh_IaFkAFMrih0Me8R-fKMM_FtFoIV59bjuSz5Zxshxpwx0fyzzSu7FUWefhsGbTPN6R18l-pU/s353/2023%E5%B9%B4%E5%84%B2%E8%93%84%E7%8E%87(1).png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="207" data-original-width="353" height="376" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhM8T5TFfc7HU1F1vwGzyslT-Ayk6wmHkP5S4qaFXVNPKwBITml0YUT-rdP9szpNCQX9NObwjZRASlCCv0ir2KMOx9JzS1UAuF_OrErADh7NgNsR4kfWlh_IaFkAFMrih0Me8R-fKMM_FtFoIV59bjuSz5Zxshxpwx0fyzzSu7FUWefhsGbTPN6R18l-pU/w640-h376/2023%E5%B9%B4%E5%84%B2%E8%93%84%E7%8E%87(1).png" width="640" /></a></span></div><span style="font-size: medium;"><br /></span><p></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="color: #2b00fe; font-family: inherit;">
</span><span style="font-family: inherit;"><b><u><span>現時</span></u></b><b><u><span>投資</span></u></b><b><u><span>組合和基準指數組合比</span></u></b><b><u><span>較</span></u></b><span lang="EN-US" style="color: #2b00fe;"></span></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;">不同比例的環球股票指數<span lang="EN-US">FTSE
Global All Cap Index(VT</span>所追蹤的指數<span lang="EN-US">)</span>和環球債券指數<span lang="EN-US">Bloomberg Global Aggregate Float Adjusted Composite Index(BNDW</span>所追蹤的指數<span lang="EN-US">)</span>比較,<span lang="EN-US">2023</span>年累積回報如下表。現時投資組合的表現為<span lang="EN-US">80%</span>股<span lang="EN-US">+20%</span>債 和 <span lang="EN-US">60%</span>股<span lang="EN-US">+40%</span>債之間,依股債比例上投資組合表現比預期差</span><span style="font-family: inherit;">。</span><span lang="EN-US" style="font-family: inherit;"></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;"> </span></span></p>
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<td style="border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-size: medium;"><span style="font-family: inherit;">組合<span lang="EN-US"></span></span></span></p>
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<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-size: medium;"><span style="font-family: inherit;"><span lang="EN-US">2023</span>年累積回報<span lang="EN-US"></span></span></span></p>
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<td style="border-top: none; border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-size: medium;"><span style="font-family: inherit;"><span lang="EN-US">100%</span>股<span lang="EN-US"></span></span></span></p>
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<td style="border-bottom: solid windowtext 1.0pt; border-color: currentcolor windowtext windowtext currentcolor; border-left: none; border-right: solid windowtext 1.0pt; border-style: none solid solid none; border-top: none; border-width: medium 1pt 1pt medium; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">10.02%</span></span></p>
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<td style="border-top: none; border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-size: medium;"><span style="font-family: inherit;"><span lang="EN-US">80%</span>股<span lang="EN-US">+20%</span>債<span lang="EN-US"></span></span></span></p>
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<td style="border-bottom: solid windowtext 1.0pt; border-color: currentcolor windowtext windowtext currentcolor; border-left: none; border-right: solid windowtext 1.0pt; border-style: none solid solid none; border-top: none; border-width: medium 1pt 1pt medium; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">8.09%</span></span></p>
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<td style="background: rgb(222, 234, 246); border-top: none; border: 1pt solid windowtext; mso-background-themecolor: accent5; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-size: medium;"><span style="color: black; font-family: inherit;">投資組合</span><span style="font-family: inherit;"><span lang="EN-US"></span></span></span></p>
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<td style="background: rgb(222, 234, 246); border-bottom: solid windowtext 1.0pt; border-color: currentcolor windowtext windowtext currentcolor; border-left: none; border-right: solid windowtext 1.0pt; border-style: none solid solid none; border-top: none; border-width: medium 1pt 1pt medium; mso-background-themecolor: accent5; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-size: medium;"><span lang="EN-US" style="color: black; font-family: inherit;">6.36%</span><span style="font-family: inherit;"><span lang="EN-US"></span></span></span></p>
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<td style="border-top: none; border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-size: medium;"><span style="font-family: inherit;"><span lang="EN-US">60%</span>股<span lang="EN-US">+40%</span>債<span lang="EN-US"></span></span></span></p>
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<td style="border-bottom: solid windowtext 1.0pt; border-color: currentcolor windowtext windowtext currentcolor; border-left: none; border-right: solid windowtext 1.0pt; border-style: none solid solid none; border-top: none; border-width: medium 1pt 1pt medium; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">6.17%</span></span></p>
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<td style="border-top: none; border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-size: medium;"><span style="font-family: inherit;"><span lang="EN-US">40%</span>股<span lang="EN-US">+60%</span>債<span lang="EN-US"></span></span></span></p>
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<td style="border-bottom: solid windowtext 1.0pt; border-color: currentcolor windowtext windowtext currentcolor; border-left: none; border-right: solid windowtext 1.0pt; border-style: none solid solid none; border-top: none; border-width: medium 1pt 1pt medium; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">4.24%</span></span></p>
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<td style="border-top: none; border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-size: medium;"><span style="font-family: inherit;"><span lang="EN-US">20%</span>股<span lang="EN-US">+80%</span>債<span lang="EN-US"></span></span></span></p>
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<td style="border-bottom: solid windowtext 1.0pt; border-color: currentcolor windowtext windowtext currentcolor; border-left: none; border-right: solid windowtext 1.0pt; border-style: none solid solid none; border-top: none; border-width: medium 1pt 1pt medium; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">2.32%</span></span></p>
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<td style="border-top: none; border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-size: medium;"><span style="font-family: inherit;"><span lang="EN-US">100%</span>債<span lang="EN-US"></span></span></span></p>
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<td style="border-bottom: solid windowtext 1.0pt; border-color: currentcolor windowtext windowtext currentcolor; border-left: none; border-right: solid windowtext 1.0pt; border-style: none solid solid none; border-top: none; border-width: medium 1pt 1pt medium; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 138.25pt;" valign="top" width="184">
<p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;">0.39%</span></span></p>
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<p class="MsoNormal"><span style="font-size: medium;"><span lang="EN-US" style="color: #2b00fe; font-family: inherit;">
</span><span lang="EN-US" style="color: #2b00fe; font-family: inherit;"></span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;"> </span></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-size: medium;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjIXfADW3DDv3QV86ZTwXLbqqn9AACrhqB4iov-cEvcJWLQRvrKxqeFhCrEGIRL_ZnxvXQeieSFQzviDLP3xYPiU5C2Mtom_xKCR9wo90ideQeH26XDyl7gkYNGwYXuo_mhMrQu5eagSzDAPSj7nL3DiwePhd_f6uR5dwqgiXp-YZqTPtmMgyWeNQAjXYI/s353/2023%E5%B9%B4%E7%B4%AF%E7%A9%8D%E5%9B%9E%E5%A0%B1.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="203" data-original-width="353" height="368" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjIXfADW3DDv3QV86ZTwXLbqqn9AACrhqB4iov-cEvcJWLQRvrKxqeFhCrEGIRL_ZnxvXQeieSFQzviDLP3xYPiU5C2Mtom_xKCR9wo90ideQeH26XDyl7gkYNGwYXuo_mhMrQu5eagSzDAPSj7nL3DiwePhd_f6uR5dwqgiXp-YZqTPtmMgyWeNQAjXYI/w640-h368/2023%E5%B9%B4%E7%B4%AF%E7%A9%8D%E5%9B%9E%E5%A0%B1.png" width="640" /></a></span></div><span style="font-size: medium;"> </span><p></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;">今季收到大額的</span><span style="font-family: inherit;">約滿酬金</span><span style="font-family: inherit;">,</span><span style="font-family: inherit;">約滿酬金拆分至下面各項支出和需要</span><span lang="EN-US" style="font-family: inherit;">:</span></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -18pt;"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;"><span>1.<span style="font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-optical-sizing: auto; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-variation-settings: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: inherit;">供滿今年度的可扣稅強積金<span lang="EN-US"></span></span></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -18pt;"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;"><span>2.<span style="font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-optical-sizing: auto; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-variation-settings: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: inherit;">注資<span lang="EN-US">Mortgage Link</span>戶口減少供樓的利息<span lang="EN-US"></span></span></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -18pt;"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;"><span>3.<span style="font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-optical-sizing: auto; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-variation-settings: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: inherit;">預留現金準備繳付下年度的稅款<span lang="EN-US"></span></span></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -18pt;"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;"><span>4.<span style="font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-optical-sizing: auto; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-variation-settings: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: inherit;">注資應急資金<span lang="EN-US"></span></span></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -18pt;"><span style="font-size: medium;"><span lang="EN-US" style="font-family: inherit;"><span>5.<span style="font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-optical-sizing: auto; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-variation-settings: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: inherit;">保留部分為玩樂現金<span lang="EN-US"></span></span></span></p>
<p class="MsoListParagraph" style="margin-left: -0.1pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; mso-para-margin-left: -.01gd; text-indent: 0.05pt;"><span style="font-size: medium;"><span style="font-family: inherit;">餘下的現金已在<span lang="EN-US">9</span>月月供股票時全數投放在投資組合。下年度的繳稅所需資金和增加在應急資金的款項買入港元貨幣基金至需要使用時才提領。<span lang="EN-US">IB</span>中將部分定期轉換作月供股票的美元買入短期美債收息,現在隨便找都找到約<span lang="EN-US">5%p.a.</span>的息率,算是不錯的回報。預期息率還有上升的空間和之前的<span lang="EN-US">blog</span>中講過上期政府綠債的息率和今次綠債差不多,決定不抽今次的政府綠債。<span lang="EN-US"></span></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit;"><span style="font-size: medium;">眾籌組合在第三季開始減持,由季初約<span lang="EN-US">4%</span>減少一半至約<span lang="EN-US">2%</span>。美國聯邦基金利率預期會長期維持在<span lang="EN-US">5%p.a.</span>以上,以一般眾籌回報<span lang="EN-US">8% p.a.</span>至<span lang="EN-US">12%p.a.</span>比較,實在沒有需要承受比較高的違約風險來賺取<span lang="EN-US">3%p.a.</span>的額外報酬,倒不如提現資金轉到股債投資組合或買美國國債和投資級別公司債以減少風險。雖然眾籌風險是比較高,但我仍會少量持有這類高風險投資<span lang="EN-US">(</span>待<span lang="EN-US">Peerberry</span>中餘下的烏克蘭借款全數還款後會全數提出,之後只會保留<span lang="EN-US">Mintos(</span>個人或汽車貸款<span lang="EN-US">)</span>和<span lang="EN-US">Estateguru(</span>地產貸款<span lang="EN-US">)) </span>。</span><span lang="EN-US"></span></span></p>
Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com0tag:blogger.com,1999:blog-5837824626032143280.post-55585476640075014482023-09-21T08:00:00.002+08:002023-10-18T22:38:56.172+08:002023/09 - 08月股息和9月月供記錄<p><span><span style="font-family: inherit; font-size: medium;">2023年 08月股息沒有收入</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">眾籌提領的資金: HKD 16,696</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">08月薪金和約滿酬金投入: HKD 163,304</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">總投入額: HKD 180</span></span><span><span style="font-family: inherit; font-size: medium;">,000</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">2023年 09月</span></span><span><span style="font-size: medium;"><span style="font-family: inherit;"><span><span>的投入為:</span></span></span></span></span><span><span style="font-family: inherit; font-size: medium;"> </span></span></p><p><span><span style="font-family: inherit; font-size: medium;">VT : 153<br /></span></span></p><p><span><span style="font-family: inherit; font-size: medium;">VWRD : 73<br /></span></span></p>Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com0tag:blogger.com,1999:blog-5837824626032143280.post-15208774169804534942023-09-14T08:00:00.003+08:002023-09-14T20:03:20.285+08:00加密貨幣交易所JPEX收割投資者?<div class="separator" style="clear: both; text-align: center;"><span style="font-family: inherit; font-size: medium;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgx0f4pod130ixWETBaunlRyuya1vp2VIjLpmI6cHZA_Xl7h353640iNlXlgdsvFQCnGC1TQ5I0J3iHCNkNXRpwuIDZc_Gw42K7cetUfyPBh5dpiO9Dcu2sAM5ouoBrqejrqZuyJ76MAUW5gHEj1Vl2djtTJ_twdI9ZMSRkbXE0neewoohEZRyZ98n9yXM/s600/0912_SFC_600.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="338" data-original-width="600" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgx0f4pod130ixWETBaunlRyuya1vp2VIjLpmI6cHZA_Xl7h353640iNlXlgdsvFQCnGC1TQ5I0J3iHCNkNXRpwuIDZc_Gw42K7cetUfyPBh5dpiO9Dcu2sAM5ouoBrqejrqZuyJ76MAUW5gHEj1Vl2djtTJ_twdI9ZMSRkbXE0neewoohEZRyZ98n9yXM/w640-h360/0912_SFC_600.jpg" width="640" /></a></span></div><span style="font-family: inherit; font-size: medium;"><br /></span><p><span style="font-family: inherit; font-size: medium;">昨天證監會點名警告加密貨幣交易所 JPEX 的經營手法有問題,包括自稱是一間持牌 "日本加密貨幣交易所" (後來日本交易所出聲明與JPEX毫無關係)、邀請大量Youtuber/KOL宣傳低風險、</span><span style="font-family: inherit; font-size: medium;">極</span><span style="font-family: inherit; font-size: medium;">高回報(17-27% APY)的收息高報、部分投資者不能出金等問題。引發投資者開始出金提取加密貨幣,但有投資者發現在提出出金請求後仍未收到任何加密貨幣。在今早半夜時份JPEX更在出金限制在最高1000 USDT,但所需的手續費突然加至999 USDT,即最多每次要消費7,800港元才可提取7.8港元。而各Youtuber/KOL開始和JPEX割席,相信呢單野好快會上本地新聞。</span></p><p><span style="font-family: inherit; font-size: medium;">引用投委會的教學網 - 提防回報高得不切實際的投資計劃,尤其是聲稱<u>低風險,高回報</u>的計劃。<br /></span></p><p><span style="font-family: inherit; font-size: medium;"></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-family: inherit; font-size: medium;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhII4bfXPICaHqvigf9tNzvunFjgY8xzeAisaOcqjDUbyP5tvSVQy0gthXVE-aHldUvoo2qfq2xDk_mfdIOcaa1rlKPvg94TcK6Y7ELaQuSnA6Ldxg7gZMBvIs2mnAWZY5RMUiPelL22YA8vTH-V0ISDO07vtwMSbZO9vvvFkznaxKZuu76BnzG4qQjFHw/s600/jpex-withdrwal-362x600.webp" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="600" data-original-width="362" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhII4bfXPICaHqvigf9tNzvunFjgY8xzeAisaOcqjDUbyP5tvSVQy0gthXVE-aHldUvoo2qfq2xDk_mfdIOcaa1rlKPvg94TcK6Y7ELaQuSnA6Ldxg7gZMBvIs2mnAWZY5RMUiPelL22YA8vTH-V0ISDO07vtwMSbZO9vvvFkznaxKZuu76BnzG4qQjFHw/w386-h640/jpex-withdrwal-362x600.webp" width="386" /></a></span></div><p></p><p><span style="font-family: inherit; font-size: medium;"> 相關新聞連結</span></p><p><span style="font-family: inherit; font-size: medium;">【虛擬資產】證監會點名警告JPEX 提出6大可疑之處<br /></span></p><p><span style="font-family: inherit; font-size: medium;"><a href="https://inews.hket.com/article/3613767/%E3%80%90%E8%99%9B%E6%93%AC%E8%B3%87%E7%94%A2%E3%80%91%E8%AD%89%E7%9B%A3%E6%9C%83%E9%BB%9E%E5%90%8D%E8%AD%A6%E5%91%8AJPEX%E3%80%80%E6%8F%90%E5%87%BA6%E5%A4%A7%E5%8F%AF%E7%96%91%E4%B9%8B%E8%99%95" target="_blank">https://inews.hket.com/article/3613767/%E3%80%90%E8%99%9B%E6%93%AC%E8%B3%87%E7%94%A2%E3%80%91%E8%AD%89%E7%9B%A3%E6%9C%83%E9%BB%9E%E5%90%8D%E8%AD%A6%E5%91%8AJPEX%E3%80%80%E6%8F%90%E5%87%BA6%E5%A4%A7%E5%8F%AF%E7%96%91%E4%B9%8B%E8%99%95</a><br /></span></p><p><span style="font-family: inherit; font-size: medium;"> 網傳拳上交易所「JPEX」八小時未出金,提幣需要 999 USDT</span></p><p><span style="font-family: inherit; font-size: medium;"> <a href="https://abmedia.io/jpex-withdrawl-activity-stopped" target="_blank">https://abmedia.io/jpex-withdrawl-activity-stopped</a></span></p><p><span style="font-family: inherit; font-size: medium;"> </span><span style="font-family: inherit; font-size: medium;">投委會理財入門 - 投資騙局<br /></span></p><p><span style="font-family: inherit; font-size: medium;"><a href="https://www.ifec.org.hk/web/tc/moneyessentials/scams/investment-scams.page" target="_blank">https://www.ifec.org.hk/web/tc/moneyessentials/scams/investment-scams.page</a> </span></p>Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com0tag:blogger.com,1999:blog-5837824626032143280.post-66936364861735355532023-09-06T08:00:00.006+08:002023-09-06T08:36:00.467+08:00綠色債券2023<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEirBFTyDxzfh1pI2oEEN3S0rPNOEFyWT_HE-PM-aBJTqwkff8z1xu_j4m61VAO1fLm4ep4QONCmry2jvG5-27AGqTN8QvmJPZwV_F-LbfvrivD_UcAMgTL3Mvt5JaA4UQY6iv96_3hSou3g8M6LVaL6ONwcvTQoIIvOJF4WeEga3IcFEPG5raISVMwZwjM/s600/163016_b1781f0bded2f835696d197e486fea83.jpeg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="338" data-original-width="600" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEirBFTyDxzfh1pI2oEEN3S0rPNOEFyWT_HE-PM-aBJTqwkff8z1xu_j4m61VAO1fLm4ep4QONCmry2jvG5-27AGqTN8QvmJPZwV_F-LbfvrivD_UcAMgTL3Mvt5JaA4UQY6iv96_3hSou3g8M6LVaL6ONwcvTQoIIvOJF4WeEga3IcFEPG5raISVMwZwjM/w640-h360/163016_b1781f0bded2f835696d197e486fea83.jpeg" width="640" /></a></div><span face=""新細明體",serif" style="mso-bidi-font-family: 新細明體;"> </span><p></p><p><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體;">綠色債券<span lang="EN-US">2023</span>息率是以定息不會少於<span lang="EN-US">4.75%</span>年利率或最近<span lang="EN-US">6</span>個月的本地通脹掛鈎的利息計算,以較高者為準。綠色債券設有二手市場,可以以當刻市場價買入或贖回債券。如果以上一批綠色債券<span lang="EN-US">2022 (4252) </span>的現價計算<span lang="EN-US">(</span>昨天收市價為<span lang="EN-US">96.5)</span>,到期的利率是<span lang="EN-US">4.69%</span>,只有<span lang="EN-US">0.06%</span>的息差。如果以收息為主而買入今次的綠色債券<span lang="EN-US">(</span>即打算持有至到期<span lang="EN-US">)</span>,倒不如直接在市場直接買入<span lang="EN-US">4252</span>不是更方便<span lang="EN-US">? </span>如果打算在首日的上市直接賣出,以現時<span lang="EN-US">4252</span>利率,是否出現可觀獲利的情況是值得留意。</span></p><p><span face=""新細明體",serif" style="mso-bidi-font-family: 新細明體;"> </span> <br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgj2CV8y5S0Fyzi-30BuVQGa3KyuycgrA1dVl1VLLV4R3q5MsexagmHw1Aidlcjn9Hu1NbyvucA3E_7boqvJ16KMZHlKhH75-pf8OQxAL-rgA1hpj6ueKr5tf8p3ug1ohzaY1u5i0LOyhEHcOWzSB5Mq20wFnOnJsl6OJ1uXUOB6gFxvS7S2ek_8KlpHjs/s411/%E6%93%B7%E5%8F%96.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="273" data-original-width="411" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgj2CV8y5S0Fyzi-30BuVQGa3KyuycgrA1dVl1VLLV4R3q5MsexagmHw1Aidlcjn9Hu1NbyvucA3E_7boqvJ16KMZHlKhH75-pf8OQxAL-rgA1hpj6ueKr5tf8p3ug1ohzaY1u5i0LOyhEHcOWzSB5Mq20wFnOnJsl6OJ1uXUOB6gFxvS7S2ek_8KlpHjs/w640-h426/%E6%93%B7%E5%8F%96.JPG" width="640" /></a></div><p></p>Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com2tag:blogger.com,1999:blog-5837824626032143280.post-63621333022266975202023-09-01T11:30:00.006+08:002023-09-01T18:58:42.125+08:002023年8月總結<p><span style="font-family: inherit; font-size: medium;"><b><u><span face=""新細明體",serif" style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">現時投資組合</span></u></b><b><u><span lang="EN-US" style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">:-</span></u></b></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span style="font-family: inherit; font-size: medium;"><b><u><span face=""新細明體",serif" style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">股票組合</span></u></b><b><u><span lang="EN-US" style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;"> (73%)</span></u></b></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">VT
: 363.77</span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">VWRD : 1,984</span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt;"> </span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span style="font-family: inherit; font-size: medium;"><b><u><span face=""新細明體",serif" style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">債券組合</span></u></b><b><u><span lang="EN-US" style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;"> (24.6%)</span></u></b></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">4252.HKG: 500 (05/2025</span><span style="font-family: inherit; font-size: medium; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">到期</span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">)</span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">AGGG
: 19,187</span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt;"> </span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span style="font-family: inherit; font-size: medium;"><b><u><span face=""新細明體",serif" style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">眾籌組合</span></u></b><b><u><span lang="EN-US" style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;">(2.4%)</span></u></b></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">Peerberry
: EUR </span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt;">1,134</span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">Mintos
: EUR </span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt;">5,338</span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt;">Estateguru : EUR 1,510</span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt;"></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt;"> </span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span style="font-family: inherit; font-size: medium; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">現時總投資為</span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">HKD 2,792,479(</span><span style="font-family: inherit; font-size: medium; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">未計算強積金</span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">)</span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span style="font-family: inherit; font-size: medium; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">現時總投資回報為</span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">-411,148 (-14.5%)</span><span style="font-family: inherit; font-size: medium; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">,比上月總結</span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"> </span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">-363,260</span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"> </span><span style="font-family: inherit; font-size: medium; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">下跌</span><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"> </span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">47,888</span><span style="font-family: inherit; font-size: medium; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">。</span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">2023</span><span style="font-family: inherit; font-size: medium; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">年</span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">08</span><span style="font-family: inherit; font-size: medium; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">月</span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"> XIRR</span><span style="font-family: inherit; font-size: medium; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">為</span><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"> <span lang="EN-US">-</span></span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">1.3%</span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">2023</span><span style="font-family: inherit; font-size: medium; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">全年</span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;"> XIRR</span><span style="font-family: inherit; font-size: medium; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">為</span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt;">11.2%</span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt;"></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"> </span></p><p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">8</span><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">月中有一筆約滿酬金到帳</span><span style="font-family: inherit; font-size: medium; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">,令今年的收入比前數年大幅增加。今年第二季持續多篇新聞表示政府財政收入在疫後都差過政府預計數字,如果未有任何本地經濟利好的政策出現下,今年度的減稅份額理應會比上年再減少,今年即使供滿</span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;">MPF</span><span style="font-family: inherit; font-size: medium; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">自願供款部分,</span><span style="font-family: inherit; font-size: medium; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">約滿酬金中若干部分仍要預留來交薪俸稅</span><span style="font-family: inherit; font-size: medium; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">。暫時會將下年交稅的部分和一些個人短期預留的項目支出投放在貨幣市場基金滾存,其餘的會下月在月供</span><span lang="EN-US" style="font-family: inherit; font-size: medium; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;">ETF</span><span style="font-family: inherit; font-size: medium; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">時投入。</span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span style="font-family: inherit; font-size: medium; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">有感本地經濟持續性下降和政府財務赤字持續,政府可能會透過加稅或減少福利政策來彌補財政赤字。鑑於這些情況,如同今日超強颱風來襲一樣,還是預留多一些應急資金應對未來可能的變差的情況。</span></p>
Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com3tag:blogger.com,1999:blog-5837824626032143280.post-14415374231154876822023-08-22T08:30:00.001+08:002023-08-22T08:30:00.167+08:002023/08 - 07月股息和8月月供記錄<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrxjnfBO0-f3oF8i3SOeV4kJVM8zrnKXeOOulItDvwmL1tC2orX79ZKWR2rLni-dTchP55sRrK4UTsxGk8FebmE3Vk2Rk1adgQeO9j7NAwrd1BQfrqiC9lhlhlyImKpL2iBrRc2X0J4yX887DtqMoUEoJDHAtFh4bhAMnPLSbxbATfMLTkYHAk_xdV1Ck/s1200/Designer.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="628" data-original-width="1200" height="334" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrxjnfBO0-f3oF8i3SOeV4kJVM8zrnKXeOOulItDvwmL1tC2orX79ZKWR2rLni-dTchP55sRrK4UTsxGk8FebmE3Vk2Rk1adgQeO9j7NAwrd1BQfrqiC9lhlhlyImKpL2iBrRc2X0J4yX887DtqMoUEoJDHAtFh4bhAMnPLSbxbATfMLTkYHAk_xdV1Ck/w640-h334/Designer.png" width="640" /></a><span><span style="font-family: inherit; font-size: medium;"> </span></span></div><p></p><p><span><span style="font-family: inherit; font-size: medium;">2023年 07月股息收入:</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">AGGG : HKD 7,395<br /></span></span></p><p><span><span style="font-family: inherit; font-size: medium;">眾籌提領的資金: HKD 27,419</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">07月薪金月供投入: HKD 22,500</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">總投入額: HKD 57</span></span><span><span style="font-family: inherit; font-size: medium;">,314</span></span></p><span><span style="font-family: inherit; font-size: medium;">2023年 08月</span></span><span><span style="font-size: medium;"><span style="font-family: inherit;"><span><span>的投入為:</span></span></span></span></span><span><span style="font-family: inherit; font-size: medium;">VWRD : 66</span></span>Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com0tag:blogger.com,1999:blog-5837824626032143280.post-2129409035538975332023-08-13T17:14:00.007+08:002023-08-13T23:15:35.413+08:00道富(SPDR) 美國上市ETF今月(8/2023)減管理費用<p><span style="font-size: medium;"><span style="font-family: Calibri;">自上年4月安碩(IShare)減低ETF的管理費用<span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>,道富(SPDR)為保持自身ETF的吸引力</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>,</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span>在8月1日下降部分美國上市ETF減管理費用<span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>,</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span>為一眾投資人增加投資回報</span></span></span></span></span></span></span><span><span><span><span><span><span><span>。黃色的ETF是boglehead作環球股票投資和美國短中期國債會採用的ETF</span></span></span></span></span></span></span></span></span><span style="font-size: medium;"><span style="font-family: Calibri;"><span><span><span><span><span><span><span>。</span></span></span></span></span></span></span></span></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjxU4Wrdb1ETm5IhuHa_oTt6HnqFTXbLqQhENlXBAd8tXUk1YCb9stxHBefkygo4SVBPONpJVTw_IeL-g8Pc7xaQffe4S8XH8h4Jinlofvn4GV0QlQNS8cRj3F4Ay0-6kQHdTxmj8859_TUoli2wyRMVPMuA-dVBIgesxdZ162dgOcZLW8fzS17d3Pr4A/s1837/ETF%20list_01.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="706" data-original-width="1837" height="246" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjxU4Wrdb1ETm5IhuHa_oTt6HnqFTXbLqQhENlXBAd8tXUk1YCb9stxHBefkygo4SVBPONpJVTw_IeL-g8Pc7xaQffe4S8XH8h4Jinlofvn4GV0QlQNS8cRj3F4Ay0-6kQHdTxmj8859_TUoli2wyRMVPMuA-dVBIgesxdZ162dgOcZLW8fzS17d3Pr4A/w640-h246/ETF%20list_01.jpg" width="640" /></a></div><br /><p><span style="font-size: medium;"><span style="font-family: Calibri;"><span><span><span><span><span><span><span>值得留意的是SPDR</span></span></span></span></span></span></span></span></span><span style="font-size: medium;"><span style="font-family: Calibri;"><span><span><span><span><span><span><span>公告</span></span></span></span></span></span></span></span></span><span style="font-size: medium;"><span style="font-family: Calibri;"><span><span><span><span><span><span><span>提出今次減</span></span></span></span></span></span></span></span></span><span style="font-size: medium;"><span style="font-family: Calibri;">管理費用的十隻</span></span><span style="font-size: medium;"><span style="font-family: Calibri;">美國</span></span><span style="font-size: medium;"><span style="font-family: Calibri;">ETF將會是一眾競爭對手中最廉宜的ETF</span></span><span style="font-size: medium;"><span style="font-family: Calibri;"><span><span><span><span><span><span><span>。</span></span></span></span></span></span></span></span></span></p><p><span style="font-size: medium;"><span style="font-family: Calibri;"><span><span><span><span><span><span><span></span></span></span></span></span></span></span></span></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-size: medium;"><span style="font-family: Calibri;"><span><span><span><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdhtgXNxDOgDgjB_RNwgk1yYX_tRtHxV1VdnL2vUrNOCuRGdsLXpUfVNdRTE9Hbckh7wB5mm-M09Hq22GKpSSqMsi2PYe1jew0NZiiFzJTtpkUvQMzcJGEY51x5TVRBsTSmRzISyol0iqUn8bF0Bi4hOfxB6W5MAYrV2smkePM8Mcqvkpxx9XrMWpw8b4/s859/%E6%93%B7%E5%8F%96.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="859" data-original-width="662" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdhtgXNxDOgDgjB_RNwgk1yYX_tRtHxV1VdnL2vUrNOCuRGdsLXpUfVNdRTE9Hbckh7wB5mm-M09Hq22GKpSSqMsi2PYe1jew0NZiiFzJTtpkUvQMzcJGEY51x5TVRBsTSmRzISyol0iqUn8bF0Bi4hOfxB6W5MAYrV2smkePM8Mcqvkpxx9XrMWpw8b4/w494-h640/%E6%93%B7%E5%8F%96.JPG" width="494" /></a></span></span></span></span></span></div><span style="font-size: medium;"><span style="font-family: Calibri;"><span><span><span> </span></span></span></span></span><span style="font-size: medium;"><span style="font-family: Calibri;"><span><span><span><span><span><span><span>SPDR公告</span></span></span></span></span></span></span></span></span><p></p><p><span style="font-size: medium;"><span style="font-family: Calibri;"><span><span><span><span><span><span><span><a href="https://www.ssga.com/library-content/pdfs/etf/us/spdr-portfolio-etfs-ter-reductions-faqs.pdf" target="_blank">https://www.ssga.com/library-content/pdfs/etf/us/spdr-portfolio-etfs-ter-reductions-faqs.pdf</a> </span></span></span></span></span></span></span></span></span></p><p><span style="font-size: medium;"><span style="font-family: Calibri;"><span><span><span><span><span><span><span> </span></span></span></span></span></span></span></span></span></p><p><span style="font-size: medium;"><span style="font-family: Calibri;"><span><span><span><span><span><span><span> </span></span></span></span></span></span></span></span></span></p>Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com1tag:blogger.com,1999:blog-5837824626032143280.post-10454147681617964422023-08-02T09:00:00.010+08:002023-08-13T10:22:30.255+08:002023年7月總結<p><span style="font-family: inherit; font-size: medium;"> </span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-family: inherit; font-size: medium;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgX6pVy3KckcQODqJy5AAaRrKS4_m7bQYqBbONnleO8H4181J_waa9t_SwraXo-m3P7VidvmbSfJI-QbjZoJ1Vmz_7q7Qnp8UZGLxHcLM-wEkwP7tkYWJgGDuXBUjoZqQXLcd3G25bQXo48w2EBxAnKKNGvT514XeHA4nNhwn9Isn3mG-HAOaXm7FhAymc/s1200/Designer.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="628" data-original-width="1200" height="334" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgX6pVy3KckcQODqJy5AAaRrKS4_m7bQYqBbONnleO8H4181J_waa9t_SwraXo-m3P7VidvmbSfJI-QbjZoJ1Vmz_7q7Qnp8UZGLxHcLM-wEkwP7tkYWJgGDuXBUjoZqQXLcd3G25bQXo48w2EBxAnKKNGvT514XeHA4nNhwn9Isn3mG-HAOaXm7FhAymc/w640-h334/Designer.png" width="640" /></a></span></div><span style="font-family: inherit; font-size: medium;"><br /></span><p></p><p><span style="font-family: inherit; font-size: medium;"><b><u>現時投資組合</u></b><b><u><span lang="EN-US">:-</span></u></b><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><b><u>股票組合</u></b><b><u><span lang="EN-US"> (71.9%)</span></u></b><b><u><span lang="EN-US"></span></u></b></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">VT
: 363.77</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">VWRD : 1,917</span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"> </span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><b><u>債券組合</u></b><b><u><span lang="EN-US"> (24.7%)</span></u></b><b><u><span lang="EN-US"></span></u></b></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">4252.HKG: 500 (05/2025</span>到期<span lang="EN-US">)</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">AGGG
: 19,187</span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"> </span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><b><u>眾籌組合</u></b><b><u><span lang="EN-US">(3.4%)</span></u></b><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">Peerberry
: EUR </span><span lang="EN-US">1,414</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">Mintos
: EUR </span><span lang="EN-US">8,228</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">Estateguru : EUR 1,493</span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"> </span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;">現時總投資為<span lang="EN-US">HKD 2,795,941(</span>未計算強積金<span lang="EN-US">)</span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;">現時總投資回報為<span lang="EN-US"><span style="color: red;">-363,260 (-12.6%)</span></span>,比上月總結<span lang="EN-US"> </span><span lang="EN-US"><span style="color: red;">-407,226</span></span><span lang="EN-US"> </span>上升<span> </span><span lang="EN-US"><span style="color: #2b00fe;">43,966</span></span>。<span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">2023</span>年<span lang="EN-US">07</span>月<span lang="EN-US"> XIRR</span>為<span> </span><span lang="EN-US"><span style="color: #2b00fe;">2.4%</span></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">2023</span>全年<span lang="EN-US"> XIRR</span>為<span lang="EN-US"> <span style="color: #2b00fe;">12.7%</span></span><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"> </span></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;">今月參考<span lang="EN-US">Vanguard</span>和<span lang="EN-US">iShares</span>的<span lang="EN-US">Target Retirement Date ETF (TDF) (</span>類似<span lang="EN-US">MPF</span>的預設投資組合<span lang="EN-US">(DIS)</span>,在不同年齡下股債比例會不同<span lang="EN-US">) </span>在不同退休年期的債券比例,發現兩者的債券比例在年輕時差別很大。<span lang="EN-US"> Vanguard</span>所有<span lang="EN-US">TDF</span>至少配置<span lang="EN-US">20%</span>債劵比例,相反<span lang="EN-US">iShares TDF</span>在年輕時差不多接近以<span lang="EN-US">100%</span>股票配置。兩者都是在中年後期才加快債劵比例分配。自己離退休時間還有一段距離,在不失去債券部分和股票的相關性,以最少<span lang="EN-US">20%^</span>為設定點作資產配置。</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: inherit;">^ 投資金律有提出投資人至少應有20%債券配置</span></span><span style="font-size: medium;"><span style="font-family: inherit;">,不管你自以為可以</span></span><span style="font-size: medium;"><span style="font-family: inherit;">承受多少</span></span><span style="font-size: medium;"><span style="font-family: inherit;">風險</span></span><span style="font-size: medium;"><span style="font-family: inherit;">。</span></span></p>
Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com0tag:blogger.com,1999:blog-5837824626032143280.post-89114567001046835012023-07-24T09:00:00.002+08:002023-07-24T22:31:24.592+08:00投資全世界股票的UCITS ETF (2) : SPDR® MSCI ACWI IMI UCITS ETF (股票代號 IMID)<div class="separator" style="clear: both; text-align: center;"><span style="font-family: inherit; font-size: medium;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgv5xkqzJ-nMGuUcN_wTUWXY0t4h7IFhX5bDN1d7CJwUGmFcLFnxM7WhOMsPGyxmWurbbYVIggWLkPRv2yJFKYVJTQUx4EpCRAv4I1Iwg64P0uKE7d5pWfsomEORp_SiPV2SEDc5cgPBv_eOytaSsk4KP9dYn8MOhGsnQyhVNPWhhMaTqbzbiQ7hIyQmFw/s1200/Designer2.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="628" data-original-width="1200" height="334" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgv5xkqzJ-nMGuUcN_wTUWXY0t4h7IFhX5bDN1d7CJwUGmFcLFnxM7WhOMsPGyxmWurbbYVIggWLkPRv2yJFKYVJTQUx4EpCRAv4I1Iwg64P0uKE7d5pWfsomEORp_SiPV2SEDc5cgPBv_eOytaSsk4KP9dYn8MOhGsnQyhVNPWhhMaTqbzbiQ7hIyQmFw/w640-h334/Designer2.png" width="640" /></a></span></div><span style="font-family: inherit; font-size: medium;"><br /></span><div style="text-align: left;"><span style="font-family: inherit; font-size: medium;">在美股市場,使用一支投資全球大中小型股票的ETF,大多數人都知 VT(Vanguard Total World Stock Index Fund ETF)。而在英國股市場,有一支類似的全球大中小型股票ETF,即SPDR® MSCI ACWI IMI UCITS ETF(股票代碼IMID)。該ETF只有累積型ETF,沒有配息型的選擇。它追蹤的是MSCI ACWI IMI(All Country World Investable Market Index)指數,該指數包含9,181家全球23個已開發國家和24個新興市場國家的大中小型公司,涵蓋全球99%的市場指數,公司數量和VT追蹤的FTSE Global All Cap Index的9,496間公司同樣涵蓋全球99%的市場指數。</span></div><div style="text-align: left;"><span style="font-family: inherit; font-size: medium;"> </span></div><div style="text-align: left;"><span style="font-family: inherit; font-size: medium;">這只UCITS ETF早在2011年5月已成立,但由於以下原因,它未能在Bogleheads和市場廣泛流傳(AUM只有6.5億美元):</span></div><p><span style="font-family: inherit; font-size: medium;"><br /></span></p><ol style="text-align: left;"><li><p><span style="font-family: inherit; font-size: medium;">高昂的管理費:它的管理費在去年是每年0.4%,比一般同類型或相似的ETF高約1倍。但在今年年初,SPDR發出一份公告,將IMID的管理費在今年4月3日大幅下降至每年0.17%。這對長期投資和長遠回報是有利的,顯示出SPDR有意吸引更多Bogleheads或長期投資人的青睞,擴大其市場佔有率。 </span></p></li><li><p><span style="font-family: inherit; font-size: medium;">持有較少的股票數量:IMID在其官網上指出,該ETF只持有1,970支股票,僅佔9,181間公司的21%。這對追蹤指數的誤差十分不利,容易造成較大的誤差。官網上指出,IMID比指數的每年誤差範圍在0.72%至1.09%之間,比現時IMID比指數在IMID成立日計算累積了6.15%誤差(雖然IMID現在的表現是跑贏該指數)。相比之下,VWRD對指數的誤差非常少,每年誤差範圍僅在-0.05%至0.05%之間,比現時VWRD比指數在VWRD成立日計算累積了0.23%誤差。</span></p><p><span style="font-family: inherit; font-size: medium;"> </span></p></li></ol><div style="text-align: left;"><span style="font-family: inherit; font-size: medium;">雖然上述問題影響下IMID未必是最佳選擇,但在其降低管理費後,有望增加其市場佔有率的情況下,SPDR可以增加更多的股票數量,改善其追蹤誤差,並改善投資人對其的看法。總之,IMID是少數可以使用一支ETF涵蓋全球股票市場的UCITS ETF之一,其相對低廉的管理費值得投資人注意和持有,以取得全球公司市場的回報。</span></div><p><span style="font-family: inherit; font-size: medium;"><br /></span></p><p><span style="font-family: inherit; font-size: medium;">SPDR® MSCI ACWI IMI UCITS ETF (IMID)官方網頁<br /></span></p><p><span style="font-family: inherit; font-size: medium;"><a href="https://www.ssga.com/uk/en_gb/institutional/etfs/funds/spdr-msci-acwi-imi-ucits-etf-spyi-gy" target="_blank">https://www.ssga.com/uk/en_gb/institutional/etfs/funds/spdr-msci-acwi-imi-ucits-etf-spyi-gy</a><br /></span></p>Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com0tag:blogger.com,1999:blog-5837824626032143280.post-2206122879151646022023-07-21T09:00:00.005+08:002023-08-19T10:16:37.916+08:002023/07 - 06月股息和7月月供記錄<p><span></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrxjnfBO0-f3oF8i3SOeV4kJVM8zrnKXeOOulItDvwmL1tC2orX79ZKWR2rLni-dTchP55sRrK4UTsxGk8FebmE3Vk2Rk1adgQeO9j7NAwrd1BQfrqiC9lhlhlyImKpL2iBrRc2X0J4yX887DtqMoUEoJDHAtFh4bhAMnPLSbxbATfMLTkYHAk_xdV1Ck/s1200/Designer.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="628" data-original-width="1200" height="334" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrxjnfBO0-f3oF8i3SOeV4kJVM8zrnKXeOOulItDvwmL1tC2orX79ZKWR2rLni-dTchP55sRrK4UTsxGk8FebmE3Vk2Rk1adgQeO9j7NAwrd1BQfrqiC9lhlhlyImKpL2iBrRc2X0J4yX887DtqMoUEoJDHAtFh4bhAMnPLSbxbATfMLTkYHAk_xdV1Ck/w640-h334/Designer.png" width="640" /></a><span><span style="font-family: inherit; font-size: medium;"> </span></span></div><p></p><p><span><span style="font-family: inherit; font-size: medium;">2023年 06月股息收入:</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">VWRD : HKD 10,506 <br /></span></span></p><p><span><span style="font-family: inherit; font-size: medium;">眾籌提領的資金: HKD 12,885</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">06月薪金月供投入: HKD 22,500</span></span></p><p><span><span style="font-family: inherit; font-size: medium;">總投入額: HKD </span></span><span><span style="font-family: inherit; font-size: medium;">45,891</span></span></p><span><span style="font-family: inherit; font-size: medium;">2023年 07月</span></span><span><span style="font-size: medium;"><span style="font-family: inherit;"><span><span>的投入為:</span></span></span></span></span><span><span style="font-family: inherit; font-size: medium;">VWRD : 51</span></span><p><span><span style="font-family: inherit; font-size: medium;"> </span></span></p>Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com2tag:blogger.com,1999:blog-5837824626032143280.post-90046130339714907862023-07-13T08:00:00.009+08:002023-07-13T08:03:49.764+08:00投資全世界股票的新UCITS ETF: Invesco FTSE All-World UCITS ETF (股票代號 FTWD 和 FWRA)<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhji-e2Y2dKBTfEPDe-eo_XHLZbwaTtpONP3nYxe-S9zzYwcaGCiEiDHDIiMkR7rQeOQX3jZ4FQC2B1tAk7W4x7wc-13zdYAyxLzDePi3eELCtABt-W7WuDfTynKUFRJGCWfxSsC_3yNjwyCUpJkNTErhBd3C2W8F-iCA2Gwc1i0CHd_vVewQFVLN8upWo/s1080/Designer.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1080" data-original-width="1080" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhji-e2Y2dKBTfEPDe-eo_XHLZbwaTtpONP3nYxe-S9zzYwcaGCiEiDHDIiMkR7rQeOQX3jZ4FQC2B1tAk7W4x7wc-13zdYAyxLzDePi3eELCtABt-W7WuDfTynKUFRJGCWfxSsC_3yNjwyCUpJkNTErhBd3C2W8F-iCA2Gwc1i0CHd_vVewQFVLN8upWo/w640-h640/Designer.png" width="640" /></a></div><p><span style="font-family: inherit; font-size: medium;">基金公司景順<span> <span lang="EN-US">(Invesco)</span></span>在今年6月中成立兩支新的投資全世界股票以美元計價的<span lang="EN-US">UCITS ETF: Invesco FTSE All-World
UCITS ETF</span>。該<span lang="EN-US">ETF</span>分別有累積型<span lang="EN-US">ETF (</span>股票代號為<span lang="EN-US">FWRA)</span>和配息型<span lang="EN-US">ETF (</span>股票代號為<span lang="EN-US">FTWD)</span>作選擇<span lang="EN-US">(</span>有關累積型和配息型<span lang="EN-US">ETF</span>的分別可參考我的另一篇<a href="https://martisfi.blogspot.com/2022/11/ucits-etf-etf.html" target="_blank"><span lang="EN-US">Blog</span>文</a><span lang="EN-US">)</span>,追蹤<span lang="EN-US">FTSE </span><span lang="EN-US">All-World</span><span lang="EN-US"> Index</span>指數,這個指數包含了美國、美國以外的已開發市場、新興市場的大中型公司,和<span lang="EN-US">Boglehead</span>一貫推薦的領航(<span lang="EN-US">Vanguard</span>)<span> </span><span lang="EN-US">UCITS
ETF(VWRD</span>和<span lang="EN-US">VWRA)</span><span lang="EN-US"> </span>追蹤一樣的指數,可以以只用一隻<span lang="EN-US">ETF</span>就能投資全世界股票市場,具有分散地區和公司類型的效果。</span></p><p><span style="font-family: inherit; font-size: medium;"> </span></p><p><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;">今次景順推出這隻<span lang="EN-US">ETF</span>最大的亮點是其比領航<span lang="EN-US">ETF</span>更低的費用,基金支出費用每年只需<span lang="EN-US">0.15%</span>,比<span lang="EN-US">VWRD</span>和<span lang="EN-US">VWRA</span>的<span lang="EN-US">0.22%</span>少<span lang="EN-US">0.07%</span>(少約<span lang="EN-US">3</span>成支出),對長期投資和長遠回報是十分吸引的。不過該<span lang="EN-US">ETF</span>只是剛推出階段,成交和流動性比<span lang="EN-US">VWRD</span>和<span lang="EN-US">VWRA</span>差,買賣的價格差未必抵消其低的支出費用。而持股方面,<span lang="EN-US">FTWD</span>和<span lang="EN-US">FWRA</span>持有<span lang="EN-US">1,817</span>間公司的股票,比<span lang="EN-US">VWRD</span>和<span lang="EN-US">VWRA</span>的<span lang="EN-US">3,691</span>間公司的股票少大約一半。</span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"> </span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;">有這項新的<span lang="EN-US">ETF</span>來直接競爭,如果這<span lang="EN-US">ETF</span>進一步佔據<span lang="EN-US">VWRD</span>和<span lang="EN-US">VWRA</span>的市場分額,相信會給領航帶來下降基金支出費用的壓力,最終還是投資人直接受惠。<span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"> </span></span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">FTWD</span>的官方連結<span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"><a href="https://etf.invesco.com/gb/private/en/product/invesco-ftse-all-world-ucits-etf-dist/trading-information">https://etf.invesco.com/gb/private/en/product/invesco-ftse-all-world-ucits-etf-dist/trading-information</a></span></span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"> </span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US">FWRA</span>的官方連結<span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"><a href="https://etf.invesco.com/gb/private/en/product/invesco-ftse-all-world-ucits-etf-acc/trading-information">https://etf.invesco.com/gb/private/en/product/invesco-ftse-all-world-ucits-etf-acc/trading-information</a></span></span></p><p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"> </span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;">倫敦證券交易所慶祝<span lang="EN-US">Invesco FTSE
All-World UCITS ETF</span>上市的新聞<span lang="EN-US"></span></span></p>
<p class="MsoNormal"><span style="font-family: inherit; font-size: medium;"><span lang="EN-US"><a href="https://www.londonstockexchange.com/discover/news-and-insights/london-stock-exchange-welcomes-invesco-celebrating-launch-ftse-all-world-ucits-etf">https://www.londonstockexchange.com/discover/news-and-insights/london-stock-exchange-welcomes-invesco-celebrating-launch-ftse-all-world-ucits-etf</a></span></span></p>
Martishttp://www.blogger.com/profile/13536601359225882268noreply@blogger.com0