求建议:买什么基金好?

梨子77

有点闲钱,3-5年不会用到.想在Fundsupermart 里买些基金,风险中等这样,有什么好的推荐吗?还是有其它理财方法?

童緯強

3~5年在下推荐买那些１００％债卷的基金比較安全。
有很多证卷基金都不错，但基本风险都偏高，需要有５～１０年方比较安全。
楼主也可以考虑参与土地开发和建筑，回报接近证卷但比较安全。
不然，买亚洲Reits基金，比如Henderson和EastSpring的Asia Prop Funds也不错。
（在下个人因社会理念问题非常痛恨Reits基金，但老实说，这些基金的风险和回报的确是一流的）

狮城理财

我也google translate 一个。ETF交易所交易基金 的特点（因为很多基金都跟踪指数，所以也常被称为指数交易基金）

优点
价格的透明度

享受日内价格的透明度，交易所 出价，买卖委托, 最后成交价格透明 的价格。

低成本多元化

购买一个ETF，如STI ETF（State Street的）让您即时接触到构成该指数的30家公司，相比去买每个单一股票 ，支付经纪费用要低。。

访问难以投资的国家和 领域 (如越南，印度， 白银，石油）

交易所买卖基金，现在可以很容易地访问其他方式难以达到的资产和行业，如黄金，石油或中国A股市场。

低费用和销售费用

ETF的前期销售费用，相比3-5％的单位信托基金销售费用低很多。它一般低于1%的管理费也是从每日基金的净值中均摊扣除。  
投资于一篮子证券

相比只投资一个企业的具体表现的股, 票ETF 基金分散你的风险，标的指数的所有成分股。Benefits
Price transparency
Enjoy intra-day price transparency on their listed exchanges, and see bid, ask and last done prices of the ETFs you trade.



Low cost diversification
Buying an ETF such as STI ETF (State Street) gives you instant exposure to 30 companies which constitute the index, without buying into each of the single stocks and incurring high brokerage fees.



Access hard-to-reach sectors
With ETFs, you can now readily access otherwise hard to reach assets and sectors, such as gold, oil or the China A-shares market.



Low fees and sales charges
ETFs have no upfront sales charges, compared to sales charges of 3-5% for unit trusts. It also requires lower management fees of less than 1% and goes by an intra-day pricing.



Exposure to a basket of securities
Compared to stocks which only give exposure to a specific company's performance, ETFs diversify your exposure to all the constitients underlying index


市场风险

投资者须承受ETF跟踪的相关资产的价格波动  。一般情况下，跟踪的相关资产下跌 ， ETF的价值也会下降

外汇风险

如果交易的ETF是外币，投资者的回报会受外汇汇率波动影响 。

交易对手风险

合成交易所买卖基金Synthetic ETFs 通过使用衍生工具如掉期合约复制跟踪资产回报 ，如果其交易对手不履行自己的义务，ETF投资者则需要冒对手风险。

Physical ETFs 实物ETF,  也有一定的交易对手风险，作为第三方托管人可能有与其他证券借贷安排
Market risk
Investors are exposed to the price volatility of the underlying assets which the ETF tracks. Generally, where the price level of the underlying declines, the value of ETF declines as well.


Foreign exchange risk
If the traded currency of an ETF is different from the functional currency of the investor, the investor will be exposed to fluctuation in foreign exchange rates which may affect the returns on the ETF.



Counterparty risk
Synthetic ETFs, which replicate benchmark returns through the use of derivatives and swap-based instruments, are exposed to the risk of counterparties not fulfilling their obligations on those instruments.
Physical ETFs also have certain counterparty risks, as third-party custodians might have securities lending arrangements with other