回複:I am taking risk to attract many 磚頭

來源: ZhangZhouDaTou 2012-01-30 15:57:41 [] [博客] [舊帖] [給我悄悄話] 本文已被閱讀: 次 (1416 bytes)
回答: 還要這投資理財顧問嗎?Lemonheart2012-01-30 09:19:23

1) Business is business - Never buy products because the sales is a friend and you have to give him/her 麵子. I see many UVL investors bought the products not fitting their financial goals at all just because the agent is a friend. This is the worse way to help friend since the agent needs to split the revenue with his/her firm and you may graduately lose your friend.

2) I have the feeling you may mis-read the statement. In 2010 and 2011, Notes' returns out perform Dow. In average, the annual rates are are at 5-7% (3-4% of dividend/interest and 1-3% of capital gain). Only 5% of note get delinquent. If the note is still "alive", you should gain 5-7%. If you don't understand the statement, why not make an appointment with your financial advisor and demand the explaination? I believe he'll be heppy to do that for you too.

3) 1% fee is a very good rate. You may enjoy the product while not realize it - Even you buy mutual funds/ETF yourself, you are charged much higher operation/sales fee. Read those "big books" mailed by fund company, you'll find out. We always need to compare apple to apple.

4) After a fair study and give him a chance to explain, if you still don't feel comfortable, you should move the $$ away and close the account.The study and explanation will also help to convince your hu*****and to agree with your final decision. 

 

所有跟帖: 

你也講得非常好。我會考慮。我們的notes時間不長,還看不到一年的結果。以後應該就是4%-5%的return。2年的。 -Lemonheart- 給 Lemonheart 發送悄悄話 Lemonheart 的博客首頁 (0 bytes) () 01/30/2012 postreply 16:08:33

not sure about your point #2 -rx300- 給 rx300 發送悄悄話 (347 bytes) () 01/30/2012 postreply 17:33:07

回複:not sure about your point #2 -ZhangZhouDaTou- 給 ZhangZhouDaTou 發送悄悄話 ZhangZhouDaTou 的博客首頁 (573 bytes) () 01/30/2012 postreply 19:53:42

Thanks a lot for your explanation! -rx300- 給 rx300 發送悄悄話 (336 bytes) () 01/30/2012 postreply 20:32:13

你好厲害哦。謝謝!! -Lemonheart- 給 Lemonheart 發送悄悄話 Lemonheart 的博客首頁 (0 bytes) () 01/30/2012 postreply 20:59:00

回複:not sure about your point #2 -minhang- 給 minhang 發送悄悄話 (245 bytes) () 01/30/2012 postreply 22:23:12

回複:This supports -rx300-'s point -ZhangZhouDaTou- 給 ZhangZhouDaTou 發送悄悄話 ZhangZhouDaTou 的博客首頁 (410 bytes) () 01/31/2012 postreply 08:44:01

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