几个月前将SUPER INVESTMENT转为Diversified Fixed Interest，今天一看EXPECTED INVESTMENT RETURN居然是负的，再一看AUSTRALIAN SUPER这个项目过去一年期投资收益率也是-1.5%,定期存款居然还能是负收益吗？
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这没什么，负就负吧，许多年以前也负过的，不可能总是正的。
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定期存款怎么会是负收益呢？
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这是定期投资，应该不是定期存款吧？
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The Diversified fixed interest option aims to deliver moderate returns over the medium term by investing in a diversified portfolio of Australian and global fixed interest instruments是定期投资，但基本都是债券类的类似定期存款那种工具吧？
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The Diversified fixed interest option aims to deliver moderate returns over the medium term by investing in a diversified portfolio of Australian and global fixed interest instruments
多元化固定利息选项旨在通过投资于澳大利亚和全球固定利息工具的多元化组合，在中期内提供适度的回报。
这个投资属于中等回报，也就是说中等风险，不是高风险。
中等风险投资可以为负的
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那个投资的是bond，不是term deposit
利率升高，就显得原先的coupon低了，导致bond price 低于par value。不然没人买了
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专业~
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BOND怎么也是正利率吧？怎么会是负收益率呢？
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因为利息上升，债券的价值降低了
就像我有一张100块的五年定存，每年固定付1块钱的利息，现在原价100转给你你会要吗
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买价应该不是票面价，根据市场行情浮动，100的债券可能99，可能102。感觉是从二级市场买的，我的fixed interest rate也是负的
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Australian super 有 member direct option 。可以自己决定如何投资，如股票,etf,和定期存款。目前一年期定期存款利率3.6至3.85。
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能讲一讲怎么用member direct option? 谢谢
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刚看了一下21/22的报告
Diversified Fixed Interest 46.26 挣了几只烤鸡
Balanced 怒亏
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Term Deposits
Includes Term Deposits, Cash, Pre-Mixed and DIY Mix Options
$150 pa & 0.12% on cash
Portfolio Admin Fee
$150
Cash Account Fee
0.12%
Cash Interest Rate
3.50%
Min Cash Balance
$400
好像还可以，最高是3.9的利息，存一年
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Fixed Interest, 特别是duration长的，因为最近加息，跌的很厉害。我们公司去年就把duration长的Fixed Interest前换了。
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他们网站上很详细，把原来账户的钱转过去就可以直接自己投资了。
我觉得现在这个形势很适合自己买股票跟基金，每个月养老金账户到账后定投一把感觉很爽。
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最近听说一位人士前一阵子股票损失了$35万.
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这应该是要把现在的全卖掉，然后把cash转过去吧
然后future investment也全选成cash
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Quick reference
• Your total AustralianSuper balance must remain
above $10,000 in super, or $30,000 in Choice
Income, otherwise you will need to close your
Member Direct account.
• You must keep the specified minimum amount
invested in AustralianSuper’s other investment
options and $400 in your Member Direct Cash
account at all times.
• A maximum of 80% of your total AustralianSuper
account balance can be invested in shares
and ETFs.
• The maximum you can invest in any one listed
security is 20% of your total AustralianSuper
account balance (different limits may apply to
some ETFs).
• The minimum buy trade for shares, ETFs & LICs
is $1,500 and the maximum is $250,000. The
minimum buy order for Term Deposits is $2,000.
• The maximum amount you can invest in a single
Term Deposit is $5 million.
• You cannot buy and sell the same security on
the same day.
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The Member Direct Cash Account (Cash account) is
a deposit account provided by Members Equity Bank
Limited (ME Bank). As a licensed Australian bank, ME
Bank is subject to regulation by the Australian Prudential
Regulation Authority. ME Bank also holds Australian
Financial Services Licence No. 229500 and is subject to
regulation by the Australian Securities and Investments
Commission.
The Member Direct Cash Account is not covered by the
Government’s Financial Claims Scheme.
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选Member direct TERM DEPOSIT account. 好像还有一个是NAB的4.5%。
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National Australia Bank 4.15 365
最高的是这个，4.15，一年150的管理费
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准备把所有的Diversified Fixed Interest全部转成cash
然后放到这个member direct里面
3.5的利率，0.12的管理费，cash没有年费
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这个0.12的管理费是怎么计算的?是盈利的0.12%吗？
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这很正常
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你可以在Australian Super开设Member Direct, 那里可以存定期.
利率见: http://www.superguide.com.au/in-retirement/tips-stretch-retirement-dollars
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如果你将$100,000转到Member Direct而选择只需定期存款, 年费是$150, 再加$120 ($100,000 x 0.12%), 共支出$270. 如果全部存一年定期, 按照今天NAB利息4.25%, 你的利息是$4,250, 扣除上述的手续费和15%的利息回报所得税, 实际净回报是$3342.50.
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我也是用的这个亏了 坑得很。后来转成cash了
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Balances in the Cash account are not covered by the Government’s Financial Claims Scheme (FCS).
请问这个menber direct里面的cash是否存在ME bank倒闭的风险或者本金亏掉的风险？
Balances in the Cash account are not covered by the Government’s Financial Claims Scheme (FCS).
请问这个menber direct里面的cash是否存在ME bank倒闭的风险或者本金亏掉的风险？
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当然存在
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那看来还是存定存比较保险
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Sorry, you better check Australian Super as I can't predict the risk. I choose NAB.
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专业
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