國泰組合式商品想請教大家(年利6%及9%) - 理財

By Sandy
at 2013-08-02T18:29
at 2013-08-02T18:29
Table of Contents
大家好
剛才理專打電話給我
說最近有兩樣商品想推薦給我
都是南非幣保守型組合式商品,到期都會還本金,保本型的
不會拿本金來配息!
有可能提前解約(對我沒差,覺得十年有點太長了!)
1.三年期
年利率5.7~6.2%
風險是當南非幣對美金再跌破0.22之天數不計息
(假設契約開始日是10元,當zar跌破12.2之天數不計息)
2.十年期
年利9.2~9.8%
若標普指數在900~2300時有利息
若超過或跌破之天數不計息
(比我之前想買的壽險好太多了,還只要十年,好心動)
其他還有
匯率風險(因為我本來就有zar所以沒有現在進場的問題..
已經進場了!好像大家都不看好非美> <
對我來說應該是南非幣大升值我不能換回的風險!?
另外zar我買在3.2 )
提前終止風險:本金會打折這樣(這筆是閒錢所以抱著要買就不要贖回的心態)
信用風險:我想國泰應該是不會倒閉吧(畢竟有壽險)
我自己的想法是...
最近開始學習投資理財
基金及外匯
發覺..要賺錢真不是書上寫的這麼簡單
(一買就跌,一賣就漲這樣)
想想自己操作也沒辦法6~9%
南非幣又不知道3年內會不會起漲
評估上述風險過後,我都可以接受,好像可以買這兩項產品耶!
但實在害怕自己評估能力不足
所以有評估等於沒評估這樣
希望請大家幫忙給點意見
謝謝!
--
剛才理專打電話給我
說最近有兩樣商品想推薦給我
都是南非幣保守型組合式商品,到期都會還本金,保本型的
不會拿本金來配息!
有可能提前解約(對我沒差,覺得十年有點太長了!)
1.三年期
年利率5.7~6.2%
風險是當南非幣對美金再跌破0.22之天數不計息
(假設契約開始日是10元,當zar跌破12.2之天數不計息)
2.十年期
年利9.2~9.8%
若標普指數在900~2300時有利息
若超過或跌破之天數不計息
(比我之前想買的壽險好太多了,還只要十年,好心動)
其他還有
匯率風險(因為我本來就有zar所以沒有現在進場的問題..
已經進場了!好像大家都不看好非美> <
對我來說應該是南非幣大升值我不能換回的風險!?
另外zar我買在3.2 )
提前終止風險:本金會打折這樣(這筆是閒錢所以抱著要買就不要贖回的心態)
信用風險:我想國泰應該是不會倒閉吧(畢竟有壽險)
我自己的想法是...
最近開始學習投資理財
基金及外匯
發覺..要賺錢真不是書上寫的這麼簡單
(一買就跌,一賣就漲這樣)
想想自己操作也沒辦法6~9%
南非幣又不知道3年內會不會起漲
評估上述風險過後,我都可以接受,好像可以買這兩項產品耶!
但實在害怕自己評估能力不足
所以有評估等於沒評估這樣
希望請大家幫忙給點意見
謝謝!
--
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