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- 建立时间:2007-06-11
- 更新时间:2008-05-14
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·۰.。‧:*:在一起听雨的屋檐下.。‧:*:‧。★，。:*:‧☆
巧妙的陷阱
2007-08-06 12:24:37
天气: 晴朗 心情: 高兴
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- clneosg 发表于 2007-08-06 12:55:53
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Still do not really understand. If it is what you said that the company will give 10% every yr back to the investor, it maybe a good investment if you look at it in a different way. Compute a spreadsheet table and you will know what I mean. Don't know how to attach spreadsheet here as I am an idiot looking at the chinese editorial platform.
If you invest $100,000 in a UT that give you a 10% investment, over the end of 10th yr, you will receive $259,374.25 compounded. If you invest $100,000 in this closed ended fund that gives you 10% every yr till the 10th yr, the investment strategy will be:
1. Invest $100,000, capital returned at the end of 10th yr.
2. Every yr, $10,000 will be released, use that $10,000 released every yr into a UT that invest in UT that yields average 10% per annum, in that sense compute from 2nd yr onwards a repetition of 10k till the 10th yr. Your investment returns for this approach will be $149,274.25 for 9th yr investment.
3. Total will be $249,274.25. With this approach your $100k basically is principlely saved. And the so called UT if cannot hit 10%, you may still gain more or less. depending if the returns are 9% or below, basically if what yuxi said that 10% return per yr return from the closed ended fund and invested this way, this way is a better way.
Reason is with 9% return on UT, your option 1 investment will yield 258,042.64, option 2 will yield $265,202.93. I will not say more for those UT that return below 9% as the gap will be much wider. So if the product as is what it is said to be to yield 10% interest per annum payable per annum, I will still go for it if it keeps the word guaranteed without any wavering of the yrly interest payout for 10yrs or 10% as option 2 may hedge another.
Maybe yuxi, you can teach me how to paste table as I feel this platform is damn stupid or maybe I am damn idoit in chinese platform that I do not know how to paste graphics illustrations.
- clneosg 发表于 2007-08-06 13:00:33
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Initial Invest $100,000.00
Yr 9% 9% 1 $109,000.00 $100,000.00 2 $118,810.00 $10,900.00 3 $129,502.90 $22,781.00 4 $141,158.16 $35,731.29 5 $153,862.40 $49,847.11 6 $167,710.01 $65,233.35 7 $182,803.91 $82,004.35 8 $199,256.26 $100,284.74 9 $217,189.33 $120,210.36 10 $236,736.37 $141,929.30
Total $236,736.37 $241,929.30
- clneosg 发表于 2007-08-06 13:01:32
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Initial Invest $100,000.00
Yr 10% 10% 1 $110,000.00 $100,000.00 2 $121,000.00 $11,000.00 3 $133,100.00 $23,100.00 4 $146,410.00 $36,410.00 5 $161,051.00 $51,051.00 6 $177,156.10 $67,156.10 7 $194,871.71 $84,871.71 8 $214,358.88 $104,358.88 9 $235,794.77 $125,794.77 10 $259,374.25 $149,374.25
Total $259,374.25 $249,374.25
- Robin 发表于 2007-08-06 13:32:24
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QUOTE:原帖由 雨茜 于 2007-8-6 12:24 发表
我们得到的保证是在10年内，他会分10次，每次将我本钱的10分之一换给我，每年一次。从第11年起，我们能够得到的是可能有每季度得到这个基金净资产8%的分红。这个回报可能或高或低，也可能为0。 ...
真够黑的. 先放你十年, 然后再给你不知道有没有的回报.
- liza 发表于 2007-08-06 17:31:53
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QUOTE:原帖由 雨茜 于 2007-8-6 12:24 发表
昨天去了D银行一趟，听了两个Closed Fund的Sales Speech。
没有告诉他我的职业，呵呵~
把自己放在顾客的位置，听听看他们是如何跟顾客介绍产品的，或许可以偷师一下。
更重要的，想要顾客在听这些产品介绍的时 ...
如此解析的产品，金融管理局能通过？ ... ... 相信该银行的规模也不算很小吧，不应该是漏网之鱼哦
- 雨茜 发表于 2007-08-06 18:14:35
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回复 #2 clneosg 的帖子
OK, maybe you haven't catch the point.
This product actually gurantees CAPITAL REPAYMENT/PAY-BACK 10% of your principle for the inital 10 years.
- 雨茜 发表于 2007-08-06 18:21:36
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QUOTE:原帖由 clneosg 于 2007-8-6 13:00 发表
Initial Invest $100,000.00
Yr 9% 9% 1 $109,000.00 $100,000.00 2 $118,810.00 $10,900.00 3 $129,502.90 $22,781.00 4 $141,158.16 $35,731.29 5 $153,862.40 $49, ...
During the initial 10 years, no ROI will be given for this product. Because it will be re-invested.
What client will receive is from 11th year, there is quaterly potintial devidend of 8% of NAV. NOTE: We will never how much NAV of this fund is.
As stated in the brocure: the potential dividend depends on the market condition. It can be 0.
[ 本帖最后由 雨茜 于 2007-8-8 22:26 编辑 ]
- clneosg 发表于 2007-08-07 08:49:19
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Still do not catch the details. Pls explain with stats.
1. Does it mean to say that the 10% returns will not be paid every yr?
2. Does it mean to say that at the end of the 10th yr, the fund will pay 10 pa computed for the 10th yr? Pls use stats. E.g. Does it mean it pays $259k for the $100k invested compounded or pay only 10% of 100k which is bloody black if it does that.
That's why I said, pls explain in more details as I do not catch any of the abbreviations.
- 雨茜 发表于 2007-08-07 09:40:49
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QUOTE:原帖由 clneosg 于 2007-8-7 08:49 发表
Still do not catch the details. Pls explain with stats.
1. Does it mean to say that the 10% returns will not be paid every yr?
2. Does it mean to say that at the end of the 10th yr, the fund ...
OK. This is how this fund is working:
Let's say we have 20K and buy this fund.
For the initial 10 yrs, they guranteed to refund us 10% of the capital, that is 2K, per year. Therefore, at the end of the 10 yrs, our capital of 20K is back.
From the 11th yr, this fund will give a potential dividend. The dividend is 8% of NAV, so it depends on how big the NAV of this fund is. Disclaimer in the brocure: the potential dividend can be high, or low and even 0.
So, you can see, there is no 10% ROI at all. In the initial 10 yrs, we get our own money back without any interests. From 11th yr, we may get nothing as well.
- Robin 发表于 2007-08-07 14:05:31
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建议大家经常把那些银行推荐的东西拿过来给大家分析一下, 这样可以大大减少损失, 同时增长见识.
