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私校教職員退休系列說明會. 投資顧問 : 周建宇. 人人都想長生不老,但事實是長生又老. 民國 145 年-男性平均壽命 82.2 歲;女性平均壽命 89 歲 (2010 年經建會預估 ). 國人平均壽命. 歲數. 女性 82.55 歲. 男性 76.13 歲. 圖表資料來源:內政部統計處統計至 2010 年. 關於退休,你準備好了嗎?. 夠活幾 年 ?. 你目前所有積蓄. 還是幾個 月 ?. 一個月固定支出. 或是 … 幾 天 ?. 在沒有收入的狀況下,你的積蓄夠你活多久?. 不及早準備,你如何退休 ?. 輕鬆三步驟 — 幸福退休不是夢. - PowerPoint PPT Presentation
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Page * of 42145 82.2 89 (2010) 82.5576.132010
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!Q10Q870A2.5(220%)A3(233%)Cheers319(2007)Page * of 42
()()172335.3%172335.3%405332.5%7010042.8%101550%
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652,0002%6%8%10%2023,0007,0004,0002,0003033,00014,0009,0005,0004051,00029,00021,00015,000
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Page * of 42
27
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2025303540455055606570
4035302520151050510
Equity Funds81%80%78%75%70%59%38%22%0%0%0%
Fixed Income Funds14%15%17%19%23%32%51%65%85%85%85%
Money Market Funds4%5%5%6%7%9%11%13%15%15%15%
35302520151050
76543211
1.07711450851.09053310811.10960045491.13882838331.18926245981.29693008671.68202764971.6820276497
0.07711450850.09053310810.10960045490.13882838330.18926245980.29693008670.68202764970.6820276497
0.92288549150.90946689190.89039954510.86117161670.81073754020.70306991330.31797235030.3179723503
0.60491314120.59149454160.57242719480.54319926640.49276518990.38509756300
0.80491314120.79149454160.77242719480.74319926640.69276518990.5850975630.30.001
0.81491314120.80149454160.78242719480.75319926640.70276518990.5950975630.310.011
0.80491314120.70149454160.58242719480.45319926640.35276518990.1950975630.20.01
1.0216598121.02531512051.0304545341.03821199711.05127109641.07788415091.16183424271.1618342427
0.0216598120.02531512050.0304545340.03821199710.05127109640.07788415090.16183424270.1618342427
0.9783401880.97468487950.9695454660.96178800290.94872890360.92211584910.83816575730.8381657573
Chart1
0.81491314120.14342704680.041659812
0.80149454160.15319033790.0453151205
0.78242719480.16711827130.050454534
0.75319926640.18858873650.0582119971
0.70276518990.22596371380.0712710964
0.590.320.09
0.380.50816575730.1118342427
0.220.650.13
00.850.15
00.850.15
00.850.15
Equity Funds
Fixed Income Funds
Money Market Funds
Year
%
(2)
2025303540455055606570
4035302520151050510
Equity Funds84%82%80%77%73%66%55%35%0%0%0%
Fixed Income Funds13%14%16%18%21%26%34%49%80%80%80%
Money Market Funds3%4%4%5%6%8%11%16%20%20%20%
35302520151051
4.543.532.521.51
1.12000520581.13598486821.15686560781.18530485131.22629815351.29046162091.40494759061.6652911949
0.12000520580.13598486820.15686560780.18530485130.22629815350.29046162090.40494759060.6652911949
0.87999479420.86401513180.84313439220.81469514870.77370184650.70953837910.59505240940.3347088051
0.54528598910.52930632670.50842558710.47998634360.43899304150.37482957410.26034360440
0.82528598910.80930632670.78842558710.75998634360.71899304150.65482957410.54034360440.28
0.83528598910.81930632670.79842558710.76998634360.72899304150.66482957410.55034360440.29
0.82528598910.71930632670.59842558710.46998634360.37899304150.26482957410.20.01
1.03389511351.03821199711.04378877151.05127109641.06183654651.07788415091.10517091811.1618342427
0.03389511350.03821199710.04378877150.05127109640.06183654650.07788415090.10517091810.1618342427
0.96610488650.96178800290.95621122850.94872890360.93816345350.92211584910.89482908190.8381657573
13%14%16%18%21%26%34%49%
Chart2
0.83528598910.13081889730.0338951135
0.81930632670.14248167620.0382119971
0.79842558710.15778564130.0437887715
0.76998634360.178742560.0512710964
0.72899304150.2091704120.0618365465
0.66482957410.2572862750.0778841509
0.55034360440.34448547750.1051709181
0.350.48816575730.1618342427
00.80.2
00.80.2
00.80.2
Equity Funds
Fixed Income Funds
Money Market Funds
year
*()
**
**()()()()()
**22520 / / / / / / ()
(Lipper Technical Indicator Benchmark)
1
MSCI World TR USD
54
2
S&P 500 TR
45
3
STOXX Europe 50 CR EUR
49
4
Topix TR
30
5
MSCI EM (Emerging Markets) TR USD
25
6
MSCI AC Asia Pacific TR USD
12
7
MSCI AC Asia Pacific ex Japan TR USD
32
8
MSCI Golden Dragon TR USD
16
9
MSCI EM Latin America TR USD
12
10
MSCI EM Eastern Europe TR USD
11
11
TAIEX CR
70
12
FTSE AW/Technology TR
15
13
MSCI World/Health Care TR
10
14
FTSE AW/Financials TR
8
15
FTSE AW/Oil & Gas TR
8
16
Citigroup WGBI TR USD
16
17
Citigroup United States WGBI TR
14
18
JP Morgan EMBI Global
17
19
Citigroup EuroBIG TR
8
20
BofA Merrill Lynch Global High Yield TR
8
21
BofA Merrill Lynch US High Yield Cash Pay TR USD
12
22
Taiwan 3 Months REPO Rates
48
520
()()8()Information RatioSortino RatioExcess Return on VaRUPR
*
()
()()()30%~50%40%~70%10%15%15%10%10%10%50%50%50%(BBB)(BBB)(BBB)(Rebalance)321
35%2.19%1.89% (2005/12/30~2012/12/30) 1.45%1.24% ()-
65.0%Taiwan 3 Months REPO Rates19.5%Citigroup WGBI TR USD4.5%Citigroup United States WGBI TR11.0%Citigroup EuroBIG TR100%
36.5%63.5%4.11%7.70% (2005/12/30~2012/12/30)()-
34.5%Citigroup WGBI TR USD14.3%JP Morgan EMBI Global9.7%Citigroup United States WGBI TR5.0%BofA Merrill Lynch High Yield Cash Pay TR USD20.6%MSCI World TR USD10.5%S&P 500 TR5.4%Topix TR100%
48.7%51.3%7.01%14.90% (2005/12/30~2012/12/30)()-
15.7%MSCI AC Asia Pacific ex TR USD7.5%MSCI EM Latin America TR USD5.0%MSCI EM (Emerging Markets) TR USD5.5%TAIEX TR11.6%S&P 500 TR6.0%Topix TR15.5%Citigroup United States WGBI TR15.7%BofA Merrill Lynch High Yield Cash Pay TR USD7.0%JP Morgan EMBI Global10.5%Citigroup WGBI TR USD100%
*()
Sheet1
30%~50%
40%~70%
()-*A *B
2006(2005/12/31-2006/12/31)2.93% 8.74% 19.58% 2007(2006/12/31-2007/12/31)4.77% 7.56% 20.93% 2008(2007/12/31-2008/12/31)*A4.94% -7.21% -24.53% 2009(2008/1231-2009/12/31)0.26% 12.27% 47.56% 2010(2009/12/31-2010/12/31)*B-1.87% -0.30% 3.51% 2011(2010/12/31-2011/12/31)3.72% 7.83% -0.35% 2012(2011/12/31-2012/12/31)0.38% 4.41% 8.58% ()2.19%4.11%7.01%()1.89%7.70%14.90%
()-25,4352,1363,9686,104()
()2.19%385 4.11%571 7.01%1102 4.45%602
Chart1
0000
0.38667161180.40581857810.43711620020.4371162002
0.81804583780.90404522641.0570912791.057091279
1.29929069041.51572198661.93642061531.9364206153
1.83617164962.26668233813.18359991062.7742560846
2.43512073493.1886422464.95251188723.8008829163
3.10331356364.32053964937.46141304765.0588463369
3.84875531715.710178960811.01986316596.0242615531
20121230
2%0.1667%
4%0.3333%
8%0.6667%
4.19%0.3430%
5101520253035
(2%)$384,844.90$810,137.39$1,280,128.53$1,799,516.21$2,373,492.05$3,007,793.32$3,708,760.29
(4%)$404,684.86$898,793.85$1,502,087.22$2,238,691.68$3,138,065.29$4,236,175.52$5,576,937.64
(8%)$448,502.73$1,116,702.60$2,112,217.30$3,595,380.62$5,805,065.11$9,097,154.07$14,001,858.69
$448,502.73$1,116,702.60$2,112,217.30$2,974,520.18$4,025,391.45$4,829,202.32$5,717,067.10
3035404550556065
(2%)00.380.811.281.802.373.013.71
(4%)00.400.901.502.243.144.245.58
(8%)00.451.122.113.605.819.1014.00
(4.19%)00.451.122.112.974.034.835.72
20121230
0000
0000
0000
0000
0000
0000
0000
0000
(2%)
(4%)
(8%)
(4.19%)
20121230-1
2.19%0.1825%
4.11%0.3425%
7.01%0.5842%
4.45%0.3632%
5101520253035
(2%)$386,671.61$818,045.84$1,299,290.69$1,836,171.65$2,435,120.73$3,103,313.56$3,848,755.32
(4%)$405,818.58$904,045.23$1,515,721.99$2,266,682.34$3,188,642.25$4,320,539.65$5,710,178.96
(8%)$437,116.20$1,057,091.28$1,936,420.62$3,183,599.91$4,952,511.89$7,461,413.05$11,019,863.17
$437,116.20$1,057,091.28$1,936,420.62$2,774,256.08$3,800,882.92$5,058,846.34$6,024,261.55
3035404550556065
00.390.821.301.842.443.103.85
00.410.901.522.273.194.325.71
00.441.061.943.184.957.4611.02
00.441.061.942.773.805.066.02
()
2.19%385
4.11%571
7.01%1102
4.45%602
20121230-1
20130228
2.20%0.1833%
4.54%0.3783%
7.31%0.6092%
4.28%0.3499%
5101520253035
(2%)$386,768.27$818,465.73$1,300,311.61$1,838,131.43$2,438,427.44$3,108,457.23$3,856,321.47
(4%)$410,273.51$924,876.50$1,570,339.17$2,379,938.15$3,395,412.09$4,669,113.45$6,266,707.51
(8%)$440,527.46$1,074,727.25$1,987,744.96$3,302,159.37$5,194,439.45$7,918,636.56$11,840,492.49
$440,527.46$1,074,727.25$1,987,744.96$2,892,109.85$4,023,619.92$4,872,893.87$5,820,260.96
3035404550556065
00.390.821.301.842.443.113.86
00.410.921.572.383.404.676.27
00.441.071.993.305.197.9211.84
00.441.071.992.894.024.875.82
()
2.20%386
4.54%627
7.31%1184
4.28%582
20130228
Sheet3
**
() () () () () -
**()
**()
**()
18 http://www.t-service.org.tw/
**()
** ()
**
() ()
**()
**() ()1~15
Sheet1
10RR1RR2
30%~50%RR2-RR4
40%~70%RR4-RR5
Sheet2
()
2%371
4%558
8%1,400
4.19%571
Sheet3
**()12
**() ()
() 0800-898-558 ( )
() 02-2370-3381 ( )
() 02-2558-0128
*: 0800-898 558
**
(10%5%)/email
**()1/2()(2)
**1/3
**200975.8820080.2982.460.52205682.289**Today Ill cover three main topics:
Why its so important to begin investing now for retirement,
[mouse click] How to assess your retirement income needs, and
[mouse click] What your retirement investment and plan options are and how they may help you reach your retirement planning goals**