第1个回答 2008-10-04
3确保了解自己的投资选择，明了风险所在
“投资有风险”，险在何处？不管作何投资，你的风险何在，一定要心中有数。
首先，这个“险”会来自你的投资目标。目标越高，风险越大，规避风险的办法是根据自己的能力，确定恰当的目标。
其次，对产品了解越少，风险则越大。投资基金，就要了解基金的投资目标，投资组合、历史纪录，费用标准和风险等基本因素，不了解就难免选错，选错了就难免吃亏。其实，绝大多数人所讲的“银行计划”并不是由银行负责的教育储蓄，而是投资公司所提供的互惠基金投资。此类投资公司规模各异，产品千差万别，投资效果因人而异，即便银行的各种GIC也大不相同，挑选“银行计划”是复杂的，不能简单从事。
第三，错解市场走向，常常带来大的损失。市场上总是震荡变化，上升中有下降，下降中有上升，持续上升常常暗藏着大幅下降，市场大环境的变化，往往是投资失败的主要原因。避免误读信息，误判时机，是投资人永远做不足的功课。
4. 熟悉有关国家政策，避免额外损失
我的孩子上学时，“银行计划”处于低谷，适时兑现投资会丢钱，只好将拿钱时间推迟, 直到不得不拿时才拿。(不能推到上完学再拿，否则会失去政府补贴)。相反，USC计划按时还本付息，历史上已经积累的收益一分没少，并没有受到股市萧条的冲击。需要说明的是，“推迟拿钱”帮助我保住了一些收益，但并不是人人可以采用。该方法会受到政策约束，假如推迟期间市场继续下降，钱会越拿越少；假如投入大一些（$2000 x 18年），产生的收益多一些，“推迟拿钱”就可能变成集中拿钱，从而引起税务负担，造成收益损失。鉴于政策的规定，教育储蓄是一种兑现时机刚性化的投资，上学期间均匀获利才能真正受益最大化。
不同于一般投资，国家对RESP有许多特别的规定和政策。这些政策适用于任何公司，误解或不了解这些政策，都会造成自己的损失。比如：许多人以为“银行计划”可以随意撤出本金，其实取消计划不但可能有费用，还会丢失累积的补贴和未来的补贴额度。了解政策将会有助于你的投资决策，避免政策损失。
5. 充足的时间和精力是投资成功的必要条件。
十几年的投资时间可以总结的东西太多了，不能一一列举。最后应该说的是时间和精力的因素。伴随着孩子的成长，我的事业也在发展，工作越来越重，时间越来越少，我渐渐很难有时间去了解市场，更难有效地跟踪投资，尽管投资后期存在一些机会，我也错过了。
评价计划是困难的，评价复杂的“银行计划”就更加困难，任何定论均有以偏概全之嫌。本文只就自己的案例发表评论，不能概括其他人的投资管理效果。点滴体会，均是一个过来人的肺腑之言，并不期望博得一致的赞同，但确实希望能够给后来者一定的启示。
由于工作繁忙，难以接待咨询，敬请谅解。若有人希望看到原始文件来证明我的故事，请与USC计划的代表联系。
问题补充：机器翻译就请不要拿出来了，都耽误时间，谢谢。
第2个回答 2008-09-27
To ensure that their own investment choices, to understand where the risk
“投资有风险”，险在何处？ 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.
第三，错解市场走向，常常带来大的损失。 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.避免误读信息，误判时机，是投资人永远做不足的功课。
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.
不同于一般投资，国家对RESP有许多特别的规定和政策。 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.
十几年的投资时间可以总结的东西太多了，不能一一列举。 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.点滴体会，均是一个过来人的肺腑之言，并不期望博得一致的赞同，但确实希望能够给后来者一定的启示。
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.
第3个回答 2008-10-09
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.
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
On behalf of the team will participate in the school in November 2008 at 15-16 at the Shanghai International Circuit, "in 2008 2nd Honda Honda China energy-saving Games", with nearly 60 colleges and universities team play together.
Add: the first sentence as follows: - an in-depth understanding of tectonic car, familiar with the basic vehicle operation and maintenance, training and the ability to use the knowledge capacity.
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Its origin is in Hefei
1, a gradual improvement in color, a white powder run of the skin Liangze
2, in-depth pores, deep clean
3, Anchen away, to light color
第4个回答 2008-09-30
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, does not know to chosen a mistake , chosen a mistake hard to avoid 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 , to will make things difficult for sb. just now until having to when making things difficult for sb.(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, chance , I have also missed despite of investment there exists a few in later stage. 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. Problem is supplemented: Machine translation will invite coming to take out , losing time , thanking you.