看了投資型保單的績效,我嚇到脫褲子 - 投資

By Daph Bay
at 2008-10-28T11:00
at 2008-10-28T11:00
Table of Contents
我家人在96年10月時,和國泰人壽買了創世紀丙型的投資型商品,
(30萬和100萬的單比躉繳)
接下來11月就是次貸風暴的開始,我提醒他們要注意一下,
他們說沒關係!業務說,這種東西要看長期......
我也不大瞭解,就沒有再去追問!
剛剛想說來問看看這些基金目前的績效,
結果詢問的結果30萬的那筆,現在只剩下9萬多元,績效為-60幾%,
100萬的那筆我無法做查詢,我想更是悽慘,因為都是單筆投入,
我現在坐立難安,雖然是我家人的錢,不過還是很難過,
我知道投資型保單的本質還是在保險,但我相信之前會單筆投入,
我家人的看法一定是放在投資,從10月一直到現在,業務也沒做過基金變更,
也沒打電話關心,現在也只能氣自己,不把錢當成一回事.........
想請問各位先進,這保單目前要做怎樣的處置呢?
他配置的基金是:1. 國泰大中華基金
2. 貝萊德世界礦業基金
3. 聯博新興市場成長基金
4. 摩根士丹利拉丁美洲股票基金
投資比例各為25%,我該贖回嗎?還是等待反彈呢?
之前有聽過100元 變 50元 跌伏 50%
但是 50元 變 100元 漲幅100%
那我現在跌了60幾%,我不就要等到漲120%才會沒有賠錢的意思嗎?
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