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強積金人均蝕2.9萬 當局指市民投資選擇各異不宜一概而論
23 May 2022

 

 

根據評級機構晨星統計,強積金表現連跌5個月,截至周三為止,5月回報為負1.72%,今年急跌11.29%,合共虧損超過1300億元,人均虧損2.9萬元。積金局回應指,留意到不時有機構定期發表強積金季度甚或一個月的短期表現報告。積金局瞭解成員關注強積金的投資表現,但每個成員的情況及需要各有不同,其強積金投資按照不同階段和風險承受能力而作出不同的投資選擇,故不宜以個別報告或指數一概而論。

 

 

積金局重申,強積金乃跨越三、四十年的長線儲蓄投資,期間無可避免經歷不同的經濟周期。強積金成員毋須過份擔心短期的市場波動,更切忌試圖捕捉市況,以免得不償失。強積金成員應定期審視強積金投資組合,並根據個人的投資目標和風險承受能力等因素作出相應調整。

 

成員若有興趣瞭解強積金的中、長期數據,可瀏覽積金局網站的「強積金基金平台」,當中包括強積金的累積回報及年率化回報。前者反映個別基金在某段時期的實際回報,而後者則把投資年期及複合效應等因素計算在內,方便成員與通脹率、銀行年利率等常用指標作客觀比較。至於缺乏投資知識和時間管理的成員,則可考慮俗稱「懶人基金」的預設投資策略。

 

資料來源:星島日報

 

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