第1个回答 2008-10-01
3 ensures that the investment knowing self chooses , where clear risk location "invests in having risk " , danger? Disregarding what investment , your risk to assume where be , must get sb.'s number. Primo , this "dangerous" investment that can come from you target. The target is increasingly high , risk is increasingly big, evading the risk way is according to self ability , ascertain the proper target. Product .know about is increasingly few secondly , face to face , risk is then increasingly big. Investment funds , investment target , portfolio formation , history notes being going to know a fund, essential elements such as cost standard and risk, not having known to choose a mistake hard to avoid , has chosen a mistake suffering losses hard to avoid. In fact, "bank plan " said by most people is really not that conscientious from the bank education deposits , is that fund provided by investment company invests but. This kind investment company scale is respectively different , product tremendous difference , investment effect vary with each individual, even if various bank GIC is also entirely and totally different, choosing "the bank plan " is complicated , can not do things in a casual way. The mistake unties thirdly, marketplace make for , often brings about big loss. Have having rising in coming down , coming down in always shaking change , go up on the marketplace , continue rising being often hiding wide go down, marketplace overall situation change, sometimes is main cause with investment of failure. Avoid reading information , erroneous judgement opportunity by accident , be that the investor does insufficient homework forever. 4. Know well that "the bank plan " is in low point when , state concerned policy , avoids losing my child extraly being at school, cashing investment at the right moment is able to lose money , is forced to will be postponed with money time , make things difficult for sb. just now when making things difficult for sb. until having to. (Can not push to finishing going ahead learning making things difficult for sb. again , be able to lose a government subsidy otherwise). Antagonism , the USC plan pay back the capital plus interest on schedule , already build-up avails has not been short one mark in history , do not undergo stock market is bleak impact. Needing explanation's is "to put off helping me to have protected a little avails with money ,", but is really not that everybody is not bad adopt. Be method's turn to may accept policy constraint, money may be getting fewer as making things difficult for sb. more suppose the marketplace continues coming down during being postponed,; Suppose throwing into big some ($ 2000 xes 18), the avails coming into being is much a few, "put off becoming right away possibly with money " arousing taxation affairs burden , bringing about avails loss thereby with money all together. According to the policy regulation , the stiffness-rization investment educating deposit to be that a kind of fulfills opportunity, earn profit homogeneously during being at school ability benefits really maximization. Be unlike general investment, the country has a lot of special regulation and policy to RESP. These policy applies to any company , misunderstand or does not know about these policy, the city brings about self loss. For example: Many people believes "the bank plan " can withdraw capital at will , cancels a plan in fact may have cost not only , is able to lose cumulative allowance and future allowance forehead degree. Know policy that policy investing in a decision-making , avoiding that can be conducive to you is lost. 5. Sufficient time and energy are prerequisite with investment of success. In 10's the thing investing in time being able to sum up has been very many , can not list one by one. The at last ought to mean time and the energy factor. Growing up being accompanying a child, my cause is also developing , the job is more and more heavy , time is more and more few, I am gradually difficult to have time to go to know a marketplace , more difficult to track investment effectively, despite of investing in the chance there existing a few in later stage, I have also missed. Appraising a plan is difficult , "the plan appraising the complicated bank" is right away especially difficult , any final conclusion has to be partial to suspicion of satisfying generally without exception. The main body of a book self case makes comments on only right away , can not summarize that people's investment manages effect other. Intravenous drip understanding , the most reliable words being a person who has had the experience equally, do not expect to win consistent agreeing with , reliable hope is able to give a latecomer the certain enlightenment but. Be difficult to receive since being busily engaged, consult about, understand, please. If somebody hopes the story coming to testify me seeing primitive document, contact with the representative that USC plans please
第2个回答 2008-09-27
3, to ensure that their own investment choices, to understand where the risk
"Investment risk", where the risk? No matter what investment, the risk of what you must be a pretty good idea.
First of all, the "risk" from your investment objectives. The higher the goal, the greater the risk, risk-averse approach is based on their ability to determine appropriate goals.
Second, the less understanding of the product, the greater the risk. Investment funds, it is necessary to understand the fund's investment objectives, investment portfolio, historical records, the cost of the basic standards and risk factors do not inevitably have chosen the wrong, wrong inevitably lose out. In fact, the vast majority of people say the "bank" is not responsible for the education savings banks, investment companies, but provided by the mutual fund investment. Such investment companies of different scale, different products, investment results vary from person to person, even if the Bank of GIC is also a variety of different selection of the "bank" is complex and can not engage in simple.
Third, the wrong solution to the market, often bring big losses. Shock on the market is always changing, there is an increase in the drop in a rising, rising a sharp drop in often hidden, the market environment changes, often the main reason for the failure of the investment. Avoid misunderstanding, misjudgment of the time, investors are never enough to do the homework.
4. Familiar with the national policy to prevent additional loss
My children go to school, "the bank" at a low ebb, the investment will be honored in a timely manner Diuqian, had to postpone the time to spend money on, until only have to take hold. (END can not be pushed on to use the school, otherwise they will lose government subsidies). On the other hand, USC plans to debt service on time, history has accumulated a revenue no less, has not been the impact of the stock market slump. It should be noted that "postponement of to spend money on" help me to keep some of the proceeds, but not everyone can use. This method will be bound by the policy, if the market continued to decline during the postponement, the more money will get less; if some of the major investment ($ 2000 x 18), generate more revenue, "to defer to spend money on," it will turn out to spend money on focus , Which led to the tax burden, resulting in loss of income. In view of the policy, education savings is a rigid timing of the cash investment, during the school uniform can really benefit from profit maximization.
Unlike investment, the state of the RESP many special provisions and policies. These policies apply to any company or misunderstandings do not understand these policies will cause the loss of their own. For example: Many people think that the "bank" can withdraw the principal, in fact, canceled plans may be not only cost but also the cumulative loss of subsidies and the amount of subsidies in the future. Will help you understand the policies of the investment decision-making to avoid the loss of policy.
5. Sufficient time and energy is a necessary condition for successful investment.
More than a decade of investment in time can be summed up things too much, not to name a few. Finally, it should be said that the time and energy. Along with the growth of the child, I was also the cause of development, more and more emphasis on work, less and less time, I gradually came to have a very difficult time to understand the market, the more difficult to effectively track the investment, even though the latter part of a number of investment opportunities, I Also missed.
Evaluation of the program is difficult to assess the complexity of the "bank" is even more difficult, any sweeping conclusions are suspected. This article only on its own comment on the case can not be summed up other people's investment management results. Experience, is a remark from people, do not expect to win unanimous approval, but it does hope to be able later to a certain degree of enlightenment.
Due to busy work, it is difficult to receive advice, please understanding. If anyone would like to see the original documents to prove my story, please contact the representative of the USC program.
纯手工翻译，要有语病请别见怪
第3个回答 2008-09-27
3 Make sure you know about your choice of investment and understand where the risk is.
“Risk is in investment”, but where is it? No matter what kind of investment you choose, you must know about the risk.
First, the “risk” comes from your investing item. The more profit the investment makes, the higher the risk is. The way of risk aversion is that you should choose the right item according to your ability.
Second, the less you know about the item, the higher the risk is. If you invest a foundation, you must know which item he is going to invest and know about his investment combination, trust record, charge criteria and risks and so on. If you don’t understand these primary factors, you will make a wrong choice. And when you make the wrong choice, you will suffer a loss. In fact, the “ bank plan” which most of people is talking about is not education savings charged by banks, but mutual fund investment supplied by investment companies. These companies have different scales, investing items and profits; even GIC of banks is like this. So it is complicate to choose a “bank plan” instead of handling simply.
Third, wrong forecast of market tendency always bring great loss. Market is always vibrating up and down frequently. Great fall follows by continuous rise. The change of market environment always takes major responsibility of failure of investment. There is never enough preparation work to be done by an investor to avoid misunderstanding of message and misjudge opportunity.
4, Know well about national policy and avoid extra loss
When my boy is in school, the “bank plan” is under low valley. You will lose money if you cash in the investment. So I put off the encashment until I have to do it. (You should not cash in after your child is graduated or you would lose government allowance.) In the other way, USC plan pays back capital plus interest on time and you will not lose a single cent of your accumulative benefit under impact of depression of stock market. One thing I have to illustrate is that “put off of encashment” help me keep part of profit but it is not suitable to everyone because the method is restricted by policy. For example, if the market continues to fall during put off of encashment, you will lose more money or if your investment is large ($2000*18), you will pay extra money for tax because your take profits at once. Due to the policy regulation, education saving is a kind of stiff investment. The profit will be in maximum only when you take it evenly in school. Different to normal investment, our country has many special regulation and policy to ESRP. They are applicable to any companies and whether you misunderstand or do not understand them, you will suffer a loss. For example, many people thought they could withdraw capital at any time, but it might be charged if you cancel the plan and you would lose your accumulative and future benefit.
5, enough time and energy is necessary condition for success of investment
There is too much experience for me to sum up of my more than ten years’ investment and I would not list one by one. The last I should say is time and energy. Along with grown up of my child and career, I was left less time but more work. Little by little I found myself hard to grab some time to know about market, let alone follow an investment. Although there were some chances in later investment, I missed also.
It is hard to appraise a plan, complicate “bank plan” is even harder. Any last word is not good enough to define. This article is only taken me as an example and will not anticipate the same effect on other investors. What you see is from my inner world and I do not expect any consent but some illumination.
Due to my busy work, any visit and consultation would be refused. Please understand it. If anybody would like to see original paper to prove my story, please contact representative of USC plan.
能否插播个小广告，像这么多字数的翻译，我只要收取50。利用空闲时间努力挣钱啊。这是我自己翻的，请放心使用。
第4个回答 2008-10-14
3, to ensure that their own investment choices, to understand where the risk
"Investment risk", where the risk? No matter what investment, the risk of what you must be a pretty good idea.
First of all, the "risk" from your investment objectives. The higher the goal, the greater the risk, risk-averse approach is based on their ability to determine appropriate goals.
Second, the less understanding of the product, the greater the risk. Investment funds, it is necessary to understand the fund's investment objectives, investment portfolio, historical records, the cost of the basic standards and risk factors do not inevitably have chosen the wrong, wrong inevitably lose out. In fact, the vast majority of people say the "bank" is not responsible for the education savings banks, investment companies, but provided by the mutual fund investment. Such investment companies of different scale, different products, investment results vary from person to person, even if the Bank of GIC is also a variety of different selection of the "bank" is complex and can not engage in simple.
Third, the wrong solution to the market, often bring big losses. Shock on the market is always changing, there is an increase in the drop in a rising, rising a sharp drop in often hidden, the market environment changes, often the main reason for the failure of the investment. Avoid misunderstanding, misjudgment of the time, investors are never enough to do the homework.
4. Familiar with the national policy to prevent additional loss
My children go to school, "the bank" at a low ebb, the investment will be honored in a timely manner Diuqian, had to postpone the time to spend money on, until only have to take hold. (END can not be pushed on to use the school, otherwise they will lose government subsidies). On the other hand, USC plans to debt service on time, history has accumulated a revenue no less, has not been the impact of the stock market slump. It should be noted that "postponement of to spend money on" help me to keep some of the proceeds, but not everyone can use. This method will be bound by the policy, if the market continued to decline during the postponement, the more money will get less; if some of the major investment ($ 2000 x 18), generate more revenue, "to defer to spend money on," it will turn out to spend money on focus , Which led to the tax burden, resulting in loss of income. In view of the policy, education savings is a rigid timing of the cash investment, during the school uniform can really benefit from profit maximization.
Unlike investment, the state of the RESP many special provisions and policies. These policies apply to any company or misunderstandings do not understand these policies will cause the loss of their own. For example: Many people think that the "bank" can withdraw the principal, in fact, canceled plans may be not only cost but also the cumulative loss of subsidies and the amount of subsidies in the future. Will help you understand the policies of the investment decision-making to avoid the loss of policy.
5. Sufficient time and energy is a necessary condition for successful investment.
More than a decade of investment in time can be summed up things too much, not to name a few. Finally, it should be said that the time and energy. Along with the growth of the child, I was also the cause of development, more and more emphasis on work, less and less time, I gradually came to have a very difficult time to understand the market, the more difficult to effectively track the investment, even though the latter part of a number of investment opportunities, I Also missed.
Evaluation of the program is difficult to assess the complexity of the "bank" is even more difficult, any sweeping conclusions are suspected. This article only on its own comment on the case can not be summed up other people's investment management results. Experience, is a remark from people, do not expect to win unanimous approval, but it does hope to be able later to a certain degree of enlightenment.
Due to busy work, it is difficult to receive advice, please understanding. If anyone would like to see the original documents to prove my story, please contact the representative of the USC program.
Add: machine translation, please do not come out, all the time delay, thank you
第5个回答 2008-10-02
3 to know yourself, and the investment risk
"The investment risk," where risks? Regardless of how the risk of investment, you must are coming.
First, the "insurance" will come from your investment objectives. The higher the risk, the goal is to avoid the risk, according to his ability, to determine appropriate goal.
Secondly, the less understanding of product, the greater risk. Investment funds, understanding the fund's investment objectives, portfolio, historical records, expenses standard and risk factors, don't understand the basic unavoidably choose wrong, choose the wrong unavoidably loses. In fact, most people by "Banks plan" and not by the bank savings, but for the education investment company provides mutual funds investment. Such investment companies, products vary scale effect, investment Banks, even all varies GIC also vary, select "Banks plan" is complex, not easy.
Third, market orientation, often with solutions. Market volatility is always change, rising have fallen down there, in the continues to rise sharply, often hidden market environment changes, often is the main reason. Failure investment To avoid misunderstanding, information, investors who are always make time of homework.
4. Familiar with relevant state policies, to avoid extra damage
My children to school, "the plan" in the lowlands, timely cash investment lose money, but money will be delayed until have to take only. (after learning to push can take, otherwise you will lose the government subsidies). Instead, USC plan to servicing, history has accumulated a portion of earnings, and no less no stock of depression. It is, "off" help me money saved some, but not everyone can adopt. This method will be postponed, if the policy constraint, money market continues to fall during the get less. If the input ($2000 x larger, 18 years), "delayed returns more money" may become on the money, thus causes losses caused by income tax burden. Given the policy, the education deposit is a cash timing adamancy, investment, during the school uniform profit maximization can benefit.
In general, the state of different investment for many special RESP regulations and policies. These policies apply to any company, or don't understand these misunderstandings, will cause their policies. Example: many people thought that "the plan" can withdraw the principal, cancelled plans not only may have cost, also will be lost and the future of the cumulative amount subsidies subsidies. Understanding will help you policy of investment decision-making, avoid policy losses.
5. Enough time and energy is the necessary conditions for investment successfully.
Ten years of investment of time can summarize too many things, not list. Finally should say is the time and effort. With the growth of children, my career development, work, and less time, I learned to have time to understand more effectively, investment, although investments late tracking some opportunity, I missed.
The plan is difficult to evaluate and evaluation of complex "Banks plan" was more difficult, and have no conclusive YiPianGaiQuan too. This is the only comment on his case, summarized the others investment management effect. Experience is a mounts, loved ones, there is not consistent with the expectation from, but really hope to give much enlightenment.
Due to heavy work, received advice, please pardon. If someone wants to see the original documents to prove my story, please contact with the representative at USC plan.