搜索
ZurichInternationalLifeHelpingyoumaketherightdecisionsforyourfuture投資影子基金投影子基金投資指南Investments–YourguideAbouttheguide指南概述Today,morethanever,weneedtomakeoursavingsandinvestmentsworkhardforus.Managingourmoneyproperlyisthekeytofinancingthepurchaseofourhomes,ourchildren’seducationandperhapsmostimportantlyofall,ourretirementplanning.在現今社會，個人財務必須籌策得宜，因此我們對儲蓄和投資效益的要求亦特別嚴格。無論閣下的目標是為買物業，為子女提供完善教育，還是為最重要的退休生活早作打算，一套週詳的資金管理計劃都不可少。Theaimofthisbrochureistoprovideyouwithapractical,jargon-freeguidetoZurichInternationalLife’srangeofinvestmentoptions.Whetheryouareasophisticatedinvestorkeentoknowmore,ornewtoinvestments,thisguideshouldprovideyouwiththefactsyouneedtomaketheinvestmentchoicethatisrightforyou.This'Investments-Yourguide'shouldbereadinconjunctionwiththeproductbrochuresforEliteInternationalBond,Vista/CorporateVista*,SupraSavingsandInvestmentPlan*/SupraEducationFees*,andMagnus†,asappropriate.Pleasealsoreferto'Importantinformation'attheendofthisguide.Wealsoofferarangeofmirrorfunds.Forfulldetailsofthesefundspleasereferto'Mirrorfunds–Yourguide'.Whatareyoutryingtoachieve?Inordertochoosethefundthatisrightforyou,itisimportanttoestablishyourcircumstancesandneeds.Ifyouareinvestingforcapitalgrowth,youwillwanttobalancetheneedforsecurityagainstyourdesiredrateofreturn.Ifyouareusingyourinvestmentasthemainfoundationofyourfinancialplanning,forexampletopayforyourmortgageorretirement,youmayconsiderinvestingthemajorityofyourmoneyintoalowerriskstrategy.ZurichInternationalLifehasawidechoiceoffundsthatinvestinwell-establishedcompaniesandinternationalmarketplaceswhichmaysuityourneeds.*Theseproductsareclosedtonewbusiness.†GuaranteedAccumulationfundsarenotavailableforanynewschemestoMagnus.本介紹冊的要旨是以深入淺出的方式，為您提供蘇黎世國際人壽保險投資選項的指南說明，文中沒有難以理解的專業術語，確保資料一目了然。無論閣下是資深的投資專家，希望深入掌握投資竅門還是初入門的投資者，同樣可在本指南中找到所需資料，藉此作出英明的投資抉擇。此「投資指南」必須與以下適用的產品之介紹冊一併閱讀：「卓越精英」國際投資計劃、「豐盛人生」退休福利/僱員退休福利計劃*、「至尊」國際儲蓄及投資*/「至尊」國際教育基金計劃*及Magnus†計劃。敬請閣下翻閱本指南末的「重要資料」。我們亦提供一系列的影子基金有關這些基金的詳情，請參閱「影子基金投資指南」。您想實現甚麼目標？閣下挑選基金時，首先要認清本身的情況和需要，方可確保所選的基金能迎合個人要求。假如閣下投資的目標是爭取資本增值，您會需要在風險程度和所需回報率之間取得平衡。假如閣下的投資是個人財務規劃的基礎，例如資金將作樓宇按揭還款或退休之用，不妨考慮把大部份資金投資於低風險基金。蘇黎世國際人壽保險旗下不少基金均投資於歷史悠久的大公司和世界主要金融市場，這類基金應可符合閣下的需要。*這些產品並不接受新申請。†利息保證基金並不適用於Magnus的新計劃。Whatisyourtimehorizon?Thetypeofinvestmentyoumakemayalsobedependentonwhenyouplantousethemoneyyouhavesaved.Forexample,onafive-yearviewyoumayconsideralowerriskfund,likeabond-basedManagedfund.Overamediumtolongerterm,aminimumoffiveyearsormore,youmightconsiderahigherrisk,higherreturnfund,suchasasinglecountry,specialistequityfund.Ifyoudonotplantotouchthismoneyfortenyearsormore,asmallercompaniesoremergingmarketsfundmightbeofinteresttoyou.Whatisyourattitudetorisk?Eachpersonhastheirownattitudetowardsrisk–somepeoplearenaturallymorecautiouswhilstothersaremoreadventurous.It’simportanttothinkaboutwhereyouarenowinfinancialterms,whatyou’dliketoachieveandhowmuchriskyou'repreparedtotake.Whichevercategoryyoufitinto,itisimportanttoputriskintoperspective–stockmarketstendtoriseovertime.Infact,thelongeryouarepreparedtostickwithaninvestmentthemorelikelyitisthattheriskwillfall.However,itisworthrememberingthatjustas‘there’snosuchthingasafreelunch,’neitheristheresuchathingasalowrisk,highreturninvestment.Higherreturns,unfortunately,gohandinhandwithhigherrisk.Thereisusuallyatradeoffbetweenriskandreward.Greaterlong-termreturnsareoftendeliveredbyinvestmentsthatinvolveahigherdegreeofshort-termrisk.Ontheotherhand,lowerriskinvestmentstypicallyleadtolowerpotentialrewards,especiallyinthelong-term.您的投資年期？閣下決定選用哪類投資方案時，亦須視乎閣下計劃用儲蓄款項的時間。例如您以五年為投資期，便應著眼於風險較低的基金，例如以投資債券為主的「管理基金」系列。要是選擇作最少五年或以上的中期至長線投資，則可考慮風險與回報皆較高的基金，例如投資於單一國家的特種股票基金。假如閣下打算在十年或更長時間後方用資金，投資於小型公司及新興市場的基金或許會是你的理想之選。您能承受多少風險？每位投資者對承受風險均有不同看法，有些較為審慎，別的則可能較為進取。您必須考慮自己的經濟狀況、投資目標及準備承受多少風險。無論閣下屬於哪類，都應從將來角度考慮風險因素，例如長線而言股市一般會攀升。事實上，固定投資項目的時間越長，風險便一般會越低。然而投資者不可忘記世上沒有「免費午餐」，亦沒有低風險高回報的投資。投資回報越高，風險也相應較高。您必須於風險及回報兩者中作出取捨。涉及較高短期風險的投資一般能獲取較大的長線回報。而相反地，較低投資風險所達致的潛在回報便普遍較低，特別是長線投資。Pleaserememberthatthevalueofanyinvestmentandtheincomefromitcanfallasaresultofmarketandcurrencyfluctuationsandyoucouldgetbacklessthantheamountoriginallyinvested.Nothingcontainedinthisbookletshouldbeconstruedasguidancetothesuitabilityofthemarketsmentioned.Anyoneconsideringinvestinginthesemarketsshouldseekprofessionalguidance.UsingthisguideWehavecategorisedourfundrangeintofourspecificgroups:•Lowriskfunds.•DynamicGrowthfund.•Managedfunds.•Mirrorfunds.TheLowriskfundsinvestincashorinternationalfixedinterestsecurities,theDynamicGrowthfundinvestsinabalanceofcashandequities,theManagedfundsofferexposuretoglobalstockmarketswhilstminimisingtheriskthroughdiversificationandthemirrorfundsofferaccesstoarangeofspecialistfundswithmorespecificinvestmentcriteriathantheManagedfunds.請謹記任何投資的價值及其收入，亦可因市場及貨幣浮而下跌，您可能取回少於最初所投資的款項。投資者不應以本指南內容作為釐定個別市場是否適合投資的指引。任何人士如有意投資於本指南所載的市場，應諮詢專業顧問意見。如何找尋閣下所需的指南說明我們把旗下基金組合為三大類：•低風險基金•管理基金•影子基金「低風險基金」投資於現金或國際定息證券；「管理基金」分散地投資於全球股市，從而減低直接投資的風險；「影子基金」是較「管理基金」有更多特定投資準則的特種基金系列。LowriskfundsThesefundsformthefoundationofourinvestmentrange,andinvestincashorinternationalfixed