Radiant Private Wealth

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Mutual Funds

互惠基金

The media likes to portray mutual funds as investment products of yesterday. But in reality, the industry is evolving, and a lot of changes have been made in the past few years. Management fees have come down, fund managers invest their own money in the portfolios and transparency has increased to provide consumers with more detail about costs and taxes. Radiant Private Wealth welcomes these changes. Because clients deserve to know how their financial advisors are paid, and judge if the advisors are delivering value.

For most Canadians, mutual funds is still the popular choice for investment savings. The Internet has caused a rise in the do-it-yourself movement but when it comes to investing, it’s like really like preparing our daily meals. Of course, you can grow you own food and make three meals every day. But have you ever ordered pizza, take out, or go to a restaurant and pay somebody to cook for you? Ask yourself “do I love cooking every day, am I good at cooking, and do I have time to cook?” At Radiant Private Wealth, we see value of hiring a specialist to free up time for things that matter like spending more time with family.

媒體很喜歡說互惠基金是過了氣的投資方式。但事實上,投資理財界不斷的演進,互惠基金管理費MER過去幾年内都已經大幅降低,成本和收費因CRM2新法的改革,對消費者的告知也更透明。瑞光私人理財非常肯定這幾年產業的改革。因爲客戶有權知道他們理財顧問的佣金獎勵方法,對比投資的表現,才能評估他們的理財顧問是否稱職。

對大部分的加拿大人而言,互惠基金依然是最有效率儲蓄投資工具。網路上雖然有些文章鼓吹投資者自己買賣股票或ETF來節省費用。但是投資這件事就好像燒菜做飯一樣。沒有錯,當然我們自己種菜,買菜,煮飯,如果三餐都自己準備,自己洗碗,整理厨房,都在家裏吃比較省錢。但是,試問,您有沒有上過館子吃飯?或是叫Pizza或外賣,花錢讓餐館的師傅做給我們吃呢?

其實重點是,我們應該自問,自己是不是真的喜歡天天三餐都自己煮?自己是不是特別擅長烹飪?自己是不是有那麽多時間做飯呢?

瑞光私人理財相信,還是讓術有專攻的人做,又快又好,讓我們有多些時間,陪家人,做自己喜歡的事情。

Segregated Funds

分隔基金

Segregated Funds are like mutual funds with life insurance benefits. They operate very much like mutual funds: access to different global markets, highly diversified, and professionally managed. They also:

  • Guarantee 75% or 100% of the principal at a chosen date, maturity or death
  • Bypass probate, proceeds will go directly to beneficiaries privately in most cases
  • Provide creditor protection in many cases

These benefits are useful if you want to preserve the value of your accumulated capital or want to control who receives your assets and avoiding your estate when you pass away.

分隔基金是保險公司所提供的互惠基金。操作方式和優點跟一般的互惠基金非常相似,比方説:可以投資不同市場,投資標的物分散,專業管理。但是分隔基金還有更多的優勢:

  • 可以選擇70%100%的保值,有效的減少投資的市場風險。
  • 身故死亡,分隔基金裏的錢不列入遺產,馬上直接給受益人,規避了遺產認證。
  • 不受到債權人追討。

這些隔離基金的特點提供給企業主,退休人士,遺產需要特別安排的人,因爲保本的特性,不列入個人資產和遺產,很大的理財規劃空間。

Income Annuities

保險年金

An income annuity is like a personalized pension. You transfer a lump sum of money to an insurance company and they provide a regular income stream that is contractually guaranteed for a fixed period. One of the greatest threats for today’s retiree is longevity. Because longevity amplifies risks like market fluctuations or running out of money. Incorporating annuities into your retirement portfolio is to address this problem so the essentials are taken care of regardless of how the markets behave.

保險年金,實際上就是個人的退休金。您交給保險公司一筆存款,保險公司確保您退休後每個月,不管活到多老,一直都有固定收入。當今的退休人士最大的風險因素是:長壽。除了擔心活太老怕不夠錢之外,長壽的人更多經歷市場波動的機會,個人儲蓄受影響的機會更多。因此,在自己的退休資產配置裏面加入一些保險年金的組合,這樣搭配可以確保自己不會活太老,錢不夠用而晚景凄涼。

Estate Protection Funds

遺產保障基金

Estate protection funds are only for clients between ages 80 to 90. The most important feature of this product is a “death benefit guarantee” which means the policy guarantees (from the deposit date) 100% of the money will go directly to your beneficiaries when you pass away. For an older retiree, they can participate in the growth of the markets without worrying about any market downtowns that could negatively impact the estate.

遺產保障基金只限制提供給客人80嵗到90嵗左右。這個基金的特色在於能“身故保本“保障投資人的遺產。如果投資人死亡,投資將依照到時的市場價值,或原本投資額的100%,哪一個比較高的金額,歸入遺產。對年紀大的老人家來説,這類的投資工具,還能夠投資參與市場的增長,同時能夠確保不會因爲市場不好,造成虧本,影響到名下的遺產。對於避開風險的投資人來説,這是非常好的選擇。

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