建立正確觀念,退休準備更周全 ~ 私校教職員退休理財 ~

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建立正確觀念,退休準備更周全 ~ 私校教職員退休理財 ~. 2010.12.29. 講師簡介. 姓名:黃榮安 學歷:喬治華盛頓大學 MBA 經歷: 1. 中華民國退休基金協會專任講師 2. 現任保德信國際投資組協理 3. 現任保德信日本基金、保德信全球基礎建設基金經理人 4. 曾任保德信亞太基金、保德信大中華基金、保德信全球中小基金經理人 4. 日商大和總研分析師. 大綱. 退休?您準備好了嗎? 瞭解您的財富缺口 輕鬆認識投資小幫手 退休後理財. 退休理財大作戰. 退休?您準備好了嗎? 瞭解您的財富缺口 輕鬆認識投資小幫手 - PowerPoint PPT Presentation

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  • *Q2951/3

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    TR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LCTR LC

    5Y 1990/08/315Y 1990/09/285Y 1990/10/315Y 1990/11/305Y 1990/12/315Y 1991/01/315Y 1991/02/285Y 1991/03/295Y 1991/04/305Y 1991/05/315Y 1991/06/285Y 1991/07/315Y 1991/08/305Y 1991/09/305Y 1991/10/315Y 1991/11/295Y 1991/12/315Y 1992/01/315Y 1992/02/285Y 1992/03/315Y 1992/04/305Y 1992/05/295Y 1992/06/305Y 1992/07/315Y 1992/08/315Y 1992/09/305Y 1992/10/305Y 1992/11/305Y 1992/12/315Y 1993/01/295Y 1993/02/265Y 1993/03/315Y 1993/04/305Y 1993/05/315Y 1993/06/305Y 1993/07/305Y 1993/08/315Y 1993/09/305Y 1993/10/295Y 1993/11/305Y 1993/12/315Y 1994/01/315Y 1994/02/285Y 1994/03/315Y 1994/04/295Y 1994/05/315Y 1994/06/305Y 1994/07/295Y 1994/08/315Y 1994/09/305Y 1994/10/315Y 1994/11/305Y 1994/12/305Y 1995/01/315Y 1995/02/285Y 1995/03/315Y 1995/04/285Y 1995/05/315Y 1995/06/305Y 1995/07/315Y 1995/08/315Y 1995/09/295Y 1995/10/315Y 1995/11/305Y 1995/12/295Y 1996/01/315Y 1996/02/295Y 1996/03/295Y 1996/04/305Y 1996/05/315Y 1996/06/285Y 1996/07/315Y 1996/08/305Y 1996/09/305Y 1996/10/315Y 1996/11/295Y 1996/12/315Y 1997/01/315Y 1997/02/285Y 1997/03/315Y 1997/04/305Y 1997/05/305Y 1997/06/305Y 1997/07/315Y 1997/08/295Y 1997/09/305Y 1997/10/315Y 1997/11/285Y 1997/12/315Y 1998/01/305Y 1998/02/275Y 1998/03/315Y 1998/04/305Y 1998/05/295Y 1998/06/305Y 1998/07/315Y 1998/08/315Y 1998/09/305Y 1998/10/305Y 1998/11/305Y 1998/12/315Y 1999/01/295Y 1999/02/265Y 1999/03/315Y 1999/04/305Y 1999/05/315Y 1999/06/305Y 1999/07/305Y 1999/08/315Y 1999/09/305Y 1999/10/295Y 1999/11/305Y 1999/12/315Y 2000/01/315Y 2000/02/295Y 2000/03/315Y 2000/04/285Y 2000/05/315Y 2000/06/305Y 2000/07/315Y 2000/08/315Y 2000/09/295Y 2000/10/315Y 2000/11/305Y 2000/12/295Y 2001/01/315Y 2001/02/285Y 2001/03/305Y 2001/04/305Y 2001/05/315Y 2001/06/295Y 2001/07/315Y 2001/08/315Y 2001/09/285Y 2001/10/315Y 2001/11/305Y 2001/12/315Y 2002/01/315Y 2002/02/285Y 2002/03/295Y 2002/04/305Y 2002/05/315Y 2002/06/285Y 2002/07/315Y 2002/08/305Y 2002/09/305Y 2002/10/315Y 2002/11/295Y 2002/12/315Y 2003/01/315Y 2003/02/285Y 2003/03/315Y 2003/04/305Y 2003/05/305Y 2003/06/305Y 2003/07/315Y 2003/08/295Y 2003/09/305Y 2003/10/315Y 2003/11/285Y 2003/12/315Y 2004/01/305Y 2004/02/275Y 2004/03/315Y 2004/04/305Y 2004/05/315Y 2004/06/305Y 2004/07/305Y 2004/08/3120Y 1989/08/31

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    Rank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by TableRank by Table

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    Citigroup 3 Months Treasury Bill TR25.325.0924.8924.724.5324.3924.2924.1724.0824.0223.9623.9123.8723.8523.8523.8823.9424.0524.1524.2724.3924.5324.6824.8425.0225.2425.4725.6825.8926.1126.3226.5626.7927.0127.2227.4227.6327.8328.0228.1728.328.4428.5728.728.7928.8628.928.9328.9628.9928.9928.9628.9128.8828.8628.8328.8228.8128.8128.8128.8428.928.9829.0729.1629.2529.2829.329.2629.1829.0528.928.7328.5528.3228.0627.7327.3827.0526.6926.3325.9625.6225.2624.924.5524.1823.8223.4323.0222.6522.2321.8321.4221.0320.6320.2219.8219.4319.0918.7418.418.0817.7217.3817.0316.6916.3516.0115.715.3815.0814.7814.4814.1913.913.6113.3313.0712.8112.5512.312.0411.811.5711.3711.2511.1711.1511.1911.2611.3611.4911.6311.812.0212.2912.5912.8713.1913.513.814.0914.3814.6814.9515.2115.4315.6415.851616.1116.1616.216.2416.316.3816.4616.5116.5216.4716.416.3316.2616.1916.1216.0415.9415.834.07

    Citigroup WGBI TR USD73.7875.6969.4468.5568.6562.5161.6367.4964.2964.5467.5967.2364.6959.1360.4360.0450.949.5249.2349.6947.3246.8144.5240.1336.2437.7544.5444.6243.3342.2440.6237.1236.4435.435.8935.6835.3140.8445.2544.2445.943.4139.7140.2640.0538.934.5336.7437.8538.9936.7337.1936.4730.8226.6423.2417.0514.7316.8314.5817.7614.9712.6713.6216.4717.7818.3315.0815.1314.7612.8213.4917.317.6916.4313.3111.2912.2313.6714.2219.3519.4823.7725.9728.2526.9523.8525.9432.6733.233.9835.7335.240.7338.2533.9729.7130.1425.7629.7132.2233.838.4640.0934.1537.5140.2736.2138.7938.5942.7549.4752.4153.5454.8848.2255.551.1846.3247.3851.1748.5747.7443.139.7141.6941.0143.5147.4650.6250.4147.8943.8542.442.6348.6449.7450.4953.1853.9450.2643.1635.7538.4238.2540.1242.9846.7639.0342.2443.747.8741.3933.5336.3340.838.7229.7227.7230.2534.172824.0225.3731.0334.3434.237.2836.767.57

    MSCI AC World TR USD64.6488.9170.178.4479.9377.3762.870.0572.7568.8980.8466.1768.5670.4468.285.1669.8675.3380.4585.0888.4992.37109.69118.4798.69111.08103.49103.22103.96107.72116.83113.79106.4297.86102.7498.6863.1169.1979.33100.6599.290.6388.56106.31109.53100.94111.97106.5499.19101.78106.7122.8140.53132.28130.6135116.58108.66115.6899.68110.593.6193.0575.5773.2873.858.5245.6152.4950.6345.2248.4839.9322.6224.7325.6828.7223.1320.5828.620.6514.021.85-10.73-3.75-18.64-7.12-3.52-9.31-13.85-20.78-24.31-18.32-11.89-11.79-9.867.315.892.92-1.490.11-0.214.25-0.77-7.06-2.84-5.58-8.2-7.5-4.52-6.88-4.72-8.62-5.44-2.45-10.45-8.25-3.97-6.140.3-1.946.916.1317.3118.2521.0432.0244.5939.3235.4639.7442.9853.8371.3174.0768.770.9177.5177.9573.7587.4892.97104.98120.38119.3159.61151.29127.82136.64123.84128.59126.19119.38110.889.9181.0273.0950.5613.864.852.22-8.06-18.51-11.281.6110.918.1521.5725.156.03

    MSCI EM (Emerging Markets) TR USD135.72168.94163.54173.09173.64171.17132.47125.03131.59113.78123.0897.5998.47108.1794.67100.9281.4473.7173.4463.3664.7970.1298.9699.7682.8787.2948.6144.754432.0743.4544.8840.0817.612.242.77-32.64-30.89-29.9-27.29-38.51-40.58-38.92-23.99-12.84-16.21-4.06-12.13-21.12-24.65-21.63-9.9210.4124.2929.2429.0511.81.775.04-2.550.29-8.03-11.3-17.59-19.18-14.15-19.6-28.05-27.4-26.21-28.17-27.77-30.27-41.57-36.24-30.75-25.58-27.98-29.8-23.57-23.21-26.53-35.5-41.28-31.68-40.7-24.45-16.19-20.88-14.53-24.69-29.87-22.78-4.113.2516.6475.165.8662.8352.1765.674.380.5861.632.0530.2117.4718.6222.4734.0834.4334.825.3424.9934.224.7534.1444.8544.7563.464.0696.5298.04134.98143.03137.61157.54188.16194.18160.32165.21187.33197.74255.22250.36240.87230.06215.93209.02203.21215.24236.3280.77334.07318.54421.01443.86372.8390.79331.57376.44364.44361.13338.36273.42238.44191.92139.1160.0946.2547.0432.8819.8835.3871.99105.53101.88128.77118.8510.74

    Total Average (0)

    100%100.18128.925116.82125.765126.785124.2797.63597.54102.1791.335101.9681.8883.51589.30581.43593.0475.6574.5276.94574.2276.6481.245104.325109.11590.7899.18576.0573.98573.9869.89580.1479.33573.2557.73552.4950.72515.23519.1524.71536.6830.34525.02524.8241.1648.34542.36553.95547.20539.03538.56542.53556.4475.4778.28579.9282.02564.1955.21560.3648.56555.39542.7940.87528.9927.0529.82519.468.7812.54512.218.52510.3554.83-9.475-5.755-2.5351.57-2.425-4.612.515-1.28-6.255-16.825-26.005-17.715-29.67-15.785-9.855-15.095-14.19-22.735-27.09-20.55-7.9950.733.3941.20535.87532.87525.3432.85537.04542.41530.41512.49513.6855.9455.217.48514.7813.77515.048.369.77515.8757.1512.94520.4419.30531.8531.0651.71552.08576.14580.6479.32594.78116.375116.7597.89102.475115.155125.785163.265162.215154.785150.485146.72143.485138.48151.36164.635192.875227.225218.92290.31297.575250.31263.715227.705252.515245.315240.255224.58181.665159.73132.50594.83536.97525.5524.6312.410.68512.0536.858.2255.01575.1772-29.67

    0.8+0.294.9118.278107.344114.322115.158111.91890.43491.5394.59485.97695.08678.9579.7583.2777.23486.4470.769.5271.40269.31470.77674.35892.36495.31879.87286.89869.74868.11267.8564.36472.23670.89265.88853.26849.1747.71619.2523.48828.82238.19233.45628.70227.79840.9846.68641.67250.0745.11238.79838.6541.37452.5967.6768.79269.26470.26854.76247.11851.65441.76847.86837.22635.23425.91624.93427.41619.23410.0413.06212.729.38410.9827.324-4.042-1.3180.6343.5140.506-0.9544.8562.846-1.108-8.706-15.61-8.522-18.346-7.858-2.696-5.542-4.712-11.392-14.526-9.41.758.2349.50638.90634.72831.45226.21432.72836.39641.62432.3516.82618.4512.8111.4113.74619.54219.5721.92617.1718.52823.67615.36421.45626.58824.70834.95635.08251.08651.21669.53672.45471.79884.026101.802102.89288.43692.062101.702109.398139.092138.298133.556130.336127.474125.424121.572131.14140.34161.45189.464182.786240.272246.656209.6218.778190.612210.752205.826200.482186.37152.598135.944113.74881.81235.12426.4926.53815.5285.35214.71435.64653.44450.85267.59264.952-18.346

    0.6+0.489.62107.63197.868102.879103.53199.56683.23385.5287.01880.61788.21276.0275.98577.23573.03379.8465.7564.5265.85964.40864.91267.47180.40381.52168.96474.61163.44662.23961.7258.83364.33262.44958.52648.80145.8544.70723.26527.82632.92939.70436.56732.37930.77640.845.02740.97946.18543.01938.56138.73540.21348.7459.8759.29958.60858.51145.33439.02142.94834.97140.34131.66229.59322.84222.81825.00719.00811.313.57913.2310.24311.6099.8181.3913.1193.8035.4583.4372.7027.1976.9724.039-0.587-5.2150.671-7.0220.0694.4634.0114.766-0.049-1.9621.7511.49515.73815.62236.60733.58130.02927.08832.60135.74740.83334.28521.15723.21519.67517.6120.00724.30425.36528.81225.9827.28131.47723.57829.96732.73630.11138.06239.10450.45750.34762.92764.26864.27173.27287.22989.03478.98281.64988.24993.011114.919114.381112.327110.187108.228107.363104.664110.92116.045130.025151.703146.652190.234195.737168.89173.841153.519168.989166.337160.709148.16123.531112.15894.99168.78933.27327.4328.44618.64610.01917.37834.49248.66846.68960.01457.904-7.022

    0.4 0.4 0.274.64486.86479.48282.66683.0879.5968.56470.84671.467.15472.61264.42664.05664.14461.51666.00855.40854.42655.354.41854.46256.12864.47464.66655.81259.82253.3352.57852.10250.07653.56851.89449.23442.65640.79640.04625.74429.56233.5938.00236.15833.06231.52638.30841.11638.27841.17439.36436.54636.8237.50443.24450.55849.41848.39647.87238.2633.7436.63831.0235.0328.88427.21422.85823.2424.89220.97215.40416.92216.62414.34815.31814.5988.9969.9349.92210.699.3989.03412.03212.49410.4827.9025.0389.1943.8228.06211.19811.71612.2089.0287.90210.22617.37819.79819.0732.4130.3727.3425.83829.77832.01835.96631.74622.13423.88421.82419.83821.71224.48825.68628.8227.26428.22231.1424.92830.131.31428.86434.25435.40242.57442.33850.05850.45450.6856.56666.18867.91461.64263.40667.4970.15284.59284.29883.77482.54881.40281.2479.60683.34885.87894.268109.134105.804135.162139.264121.914124.226111.148121.686120.496115.89106.48490.44683.47271.76653.11429.1825.62426.81419.44413.14818.2230.3740.24838.89448.16846.673.822

    0.2 0.6 0.269.36476.21770.00671.22371.45367.23861.36364.83663.82461.79565.73861.49660.29158.10957.31559.40850.45849.42649.75749.51248.59849.24152.51350.86944.90447.53547.02846.70545.97244.54545.66443.45141.87238.18937.47637.03729.75933.937.69739.51439.26936.73934.50438.12839.45737.58537.28937.27136.30936.90536.34339.39442.75839.92537.7436.11528.83225.64327.93224.22327.50323.3221.57319.78421.12422.48320.74616.66417.43917.13415.20715.94517.09214.42914.37113.09112.63412.32912.6914.37316.6215.62916.02115.43318.38715.14615.98918.35721.26921.68620.37120.46621.37627.12327.30225.18630.11129.22325.91726.71229.65131.36935.17533.68126.46528.64928.68926.03827.97329.2531.48135.70636.07436.97538.94133.14238.61137.46234.26737.3639.42441.94541.46943.44942.26843.15345.81251.61554.05652.18852.99354.03753.76560.41960.38162.54562.39962.15663.17962.69863.12861.58362.84371.37369.6785.12488.34581.20479.28974.05579.92381.00776.11768.27461.37959.68653.00940.09127.32926.56428.72222.56217.81520.88429.21635.47234.73140.5939.62212.329

    Sheet3

    Ann Comp Ret

    TR LC

    20Y 1989/08/31

    To 2009/08/31

    Rank by Table

    Univ

    Value

    4.07

    7.57

    Name6.03

    Citigroup 3 Months Treasury Bill TR10.74

    Citigroup WGBI TR USD

    MSCI AC World TR USD

    MSCI EM (Emerging Markets) TR USD8.385

    7.033

    *

    *V.S

    * ()

    * --

    *

    *

    *

    *

    *

  • *

    1.52.51.2.1.2.

  • *V.S

    *200850707910

    *

    *+++()++++

    *

    0~15 15~30 30~50 50~70

    *

    *

    *

    ~

    *

    *www.pension.org.tw

    *

    *

    A

    ***5*30* 67

    *5,0006% 253511015525

    ******