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ironforge (鐵爐堡)
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[大發現]有無咁荀..收息都5年翻一倍 人氣: 2300 回覆: 13


http://homebloggerhk.com/?p=17070

Unreasonably High Return (Principal $330,000, end up$710,000 in five years)
Is it true??

A bank staff today sells me a product of Premium Financing from XXXX. The details are below:
Insurance amount   $2.5M
First Deposit :      $330,000 (I pay)
Loan :            $2.17M  ( from my friend’s bank)
Loan Interest :     H+1.8%  (~2% now)
Dividend :         4.38% (this year , accumulate to the insurance)

Redemption handling fee:  
Year 1 5%
Year 2 4%
…..
Year 5 1%
Year 6 onwards 0%

If I subscribe, the interest paid every year is $2.17M x 2% = $43400
If I redeem the insurance after 5 years , assuming 4.38% growth every year, the Face value of the insurance will be :
2.5M x (1+4.38%)^5 = $3097608

The profit is = 3097608 – 2.5M – (43400 x 5) = $380608

The profit percentage seems : 380608/330000 = 115%

According to the bank staff, 4.38% is the lowest reward in recent years. However, the ROI seems unbelievably high, and the staff hasn’t explained the risk behind.

For me , i think of the following risks :
1. The fluctuation of Hibor rate and dividend
2. No cash reward but just interest paid during first 5 years
3. It is an insurance , not investment product , don’t know if such easy to redeem after 5 years
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Louis
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219.77.6.124
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熱烈慶祝 痴峰終於坐監喇~
此廣告由舊會員所買。想在這裡下廣告嗎? 請按我
其士國際集團有限公司(25.HK)

盈利摘要-全年業績  2013/03  2012/03  2011/03  2010/03  2009/03
盈利(百萬)  1,012  658  798  417  136
盈利增長(%)  53.81  -17.55  91.20  207.71  -41.22
每股盈利  3.6400  2.3700  2.8700  1.5000  0.4900
每股盈利增長(%)  53.59  -17.42  91.33  206.12  -40.96
每股派息  0.8500  0.9500  1.1500  0.7000  0.4550
市盈率(倍)  3.77  5.91  2.91  6.84  20.94
周息率(%)  6.20  6.79  13.77  6.82  4.43
派息比率(%)  23.35  40.08  40.07  46.67  92.86
每股賬面資產淨值  20.6862  17.9913  16.1388  13.8650  11.8152
報告貨幣  港元  港元  港元  港元  港元
基準貨幣  港元  港元  港元  港元  港元
兌換比率  1  1  1  1  1
說明:兌換比率資料來源於香港金融管理局《金融資料月報》
更新日期: 2013/08/01

2009年3月最低股價2.35元。
普通會員
ironforge (鐵爐堡)
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118.140.33.7
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Louis 你個case 已經係過去式.依家無呢d機會啦.我講現在..
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系統輔導員
qt (新手)
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人仔無咁高啦, 5年都係4.x厘咋.
更何況依家買人仔都好摶啫.
~qt
This author is being removed.
系統輔導員
qt (新手)
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123.203.182.16
金錢: 6815.33
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greatsoup6樓提及
qt5樓提及
人仔無咁高啦, 5年都係4.x厘咋.
更何況依家買人仔都好摶啫.


你計埋升值有6-7%的啦


咪咁樂觀啦, 如果要谷出口, 貶值都似.
~qt
普通會員
pcp7838
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221.127.47.1
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我同意人仔更直接.

好多人加按樓按就咁咩都唔諗隊落人仔度, 接近 Risk Free.
普通會員
pcp7838
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221.127.47.1
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無扺押借 2.17M 俾你又可以一筆過五年後還? 比較少見.
This author is being removed.
This author is being removed.
系統輔導員
qt (新手)
rbenabled
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123.203.182.16
金錢: 6815.33
帖數: 9858
GP: 910
LV: 100
交易所:
greatsoup10樓提及
qt7樓提及
greatsoup6樓提及
qt5樓提及
人仔無咁高啦, 5年都係4.x厘咋.
更何況依家買人仔都好摶啫.


你計埋升值有6-7%的啦


咪咁樂觀啦, 如果要谷出口, 貶值都似.


短期應該唔會啦


因為要壓通漲?
~qt
This author is being removed.
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Tricky.Frog
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留明睇真啲 
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