一個開始花旗銀行定期定額計劃的簡單決定，您的規律投資能達成重要的長期目標—下一個家園、子女未來教育、或是退休生活。
經由定期撥出一小筆金額進行規律的投資，效益將會累積。此一方式也讓您得以運用廣受認可的成本平均法則。
- 現金儲蓄不一定能因應通貨膨脹。通膨會侵蝕現金儲蓄的購買力。因此，您或可考慮分散至其他投資項目，如債券和股票，以較佳的長期獲利克服通膨。
- 花旗銀行定期定額計劃使您得以掌握一系列投資機會，這些機會通常不提供投資金額較小的投資人。
- 靈活彈性的天期選擇包括1年、3年或5年計劃，或其他天期選擇能最佳配合您致力達成的理財時程。例如，可選擇讓您的花旗銀行定期定額計劃在子女年滿18歲時到期，以便支付他們的大學教育費。
- 節省追蹤監看市場以掌握投資機會的時間。
如何運作？
花旗銀行定期定額計劃得利於廣受歡迎的投資法則—成本平均法。成本平均法是一種投資策略，亦即在一段長時間內以固定間隔投資固定金額。一般咸認這是克服市場波動效應的最佳投資技術之一。
採取成本平均法，當價格較低時買入較多單位，反之當價格較高時買入較少單位，從而平均總投資成本。
此種投資策略可對市價的變化提供若干隔離。
案例
每月定額投資$1,000，以市價買入投資基金單位(如以下表格顯示)。
| 說明價格下跌後再上漲 | ||
| 價格($)/單位 | 買入單位 | |
|---|---|---|
| 1月 | 45 | 22.22 |
| 2月 | 44 | 22.73 |
| 3月 | 42 | 23.81 |
| 4月 | 38 | 26.32 |
| 5月 | 35 | 28.57 |
| 6月 | 31 | 32.26 |
| 7月 | 34 | 29.41 |
| 8月 | 38 | 26.32 |
| 9月 | 41 | 24.39 |
| 10月 | 46 | 21.74 |
| 11月 | 50 | 20.00 |
| 12月 | 54 | 18.52 |
| 296.29 | ||
|
每月投資金額總計: $1,000 x 12 = $12,000 買入單位總數: 296.29 12個月期間每單位平均成本：$12,000/296.29 = $40.50 |
||
以上表格數據並非依據特定投資基金績效並僅供說明目的，亦非代表任何基金之任何實際或預測績效或依據實際或預測之基金價格。
策略優勢
- 例如，平均成本每單位$40.50，在12個月中的7個月低於市價(以黃色標示者)
- 此一策略只需在開始時的一個簡單決定—每個月投資$1,000，而在其餘時間則無需考慮或追蹤市價的波動
- 不必再耗費時間和精力，您的投資就能把握市場走勢—單位價格的下跌，會使總體成本更有利於您。比長期間內試圖把握市場時機更為有利
風險為何？
定期定額計劃中的成本平均法則並未承諾獲利的結果，亦無法在持續下跌的市場中對投資虧損提供保障。
但此一技術確實去除了許多影響如何與何時投資的決策因素。
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縮小詳細說明。
- 只需聯繫您的理財經理或致電24小時花旗服務熱綫 +65 6224 5757+65 6224 5757。
- 如果您有進一步的疑問，請點擊 此 留言。
您將需要
- 最低US$5,000(或等值)
- 最低每月後續投資US$1,000或以上
Risks
No Guarantees
- Returns are not guaranteed and costs will still be incurred even if the fund performs poorly.
Lack of Control
- By investing in an Investment Fund, you give up control over the choice of individual bonds, shares and other assets that go into the fund, as the fund manager will make these decisions for you.
Impact of Fees on Returns
- The total cost of sales charge and expenses can be higher than investing in individual securities. Investors should be cautious with funds that charge high fees as they can potentially reduce the investment returns.
Market Risk
- The major source of risk and volatility with Investment Funds comes from the underlying assets held by the fund.
Liquidity Risk
- Investment Funds are relatively liquid with most funds allowing access to funds within a reasonable short time frame. In times of severe economic downturns, however, funds can reduce this liquidity, and potentially even freeze all redemptions for a period of time, so as to protect the holdings of the fund and not disadvantage investors who want to stay in the fund.
Manager's Risk
- The performance of the fund may be affected by the skill or reputation of the fund manager. This may give rise to "key person risks" should the particular fund manager leave the organization.
Exchange Rate Fluctuations
- Investors investing in Investment Funds denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal when the foreign currency is converted back to the investors’ home currency.
Risk is an inherent aspect of every form of investment. Investors should be advised that past performance is not indicative of future results and be prepared for fluctuations in the market price of their Investment Funds, including the possible loss of the principal amount invested.
* The above is only a summary of some of the key risks in investing in the product. Detailed risk disclosures are set out in the documentation relating to the specific product. Prior to entering into a transaction, you should ensure that you have read and understood the nature of all of the risks associated with the investment in order to determine whether the investment is suitable for you in light of your experience, objectives, financial position and other relevant circumstances. You should consult with your legal, regulatory, tax, financial and/or accounting advisors to the extent you consider it necessary in making your own investment decision.
