https://www.oegod.com/ 請問大神 Fri, 05 Jun 2026 00:31:56 +0000 En hourly 1 https://www.oegod.com/ https://www.oegod.com/question/%E5%BC%B7%E7%A9%8D%E9%87%91%E5%8F%8A%E9%86%AB%E7%99%82%E5%8A%B5%E7%82%BA%E4%BB%80%E9%BA%BC%E5%92%81%E5%A4%B1%E6%95%97%E5%A6%82%E4%BD%95%E6%94%B9%E9%9D%A9 https://www.oegod.com/question/%E5%BC%B7%E7%A9%8D%E9%87%91%E5%8F%8A%E9%86%AB%E7%99%82%E5%8A%B5%E7%82%BA%E4%BB%80%E9%BA%BC%E5%92%81%E5%A4%B1%E6%95%97%E5%A6%82%E4%BD%95%E6%94%B9%E9%9D%A9 強積金及醫療劵為什麼咁失敗?如何改革? Sun, 03 Jan 2021 07:14:22 +0000 政治及管治 guest@oegod.com (匿名 匿名) https://www.oegod.com/question/%E5%BC%B7%E7%A9%8D%E9%87%91%E5%8F%8A%E9%86%AB%E7%99%82%E5%8A%B5%E7%82%BA%E4%BB%80%E9%BA%BC%E5%92%81%E5%A4%B1%E6%95%97%E5%A6%82%E4%BD%95%E6%94%B9%E9%9D%A9 https://www.oegod.com/question/%E5%BC%B7%E7%A9%8D%E9%87%91%E5%8F%8A%E9%86%AB%E7%99%82%E5%8A%B5%E7%82%BA%E4%BB%80%E9%BA%BC%E5%92%81%E5%A4%B1%E6%95%97%E5%A6%82%E4%BD%95%E6%94%B9%E9%9D%A9#answer-7641 https://www.oegod.com/question/%E5%BC%B7%E7%A9%8D%E9%87%91%E5%8F%8A%E9%86%AB%E7%99%82%E5%8A%B5%E7%82%BA%E4%BB%80%E9%BA%BC%E5%92%81%E5%A4%B1%E6%95%97%E5%A6%82%E4%BD%95%E6%94%B9%E9%9D%A9#answer-7641 強積金最大問題係交易費用過高,而且係以總資產值收取費用,基本上由我管理效率會更好,因為我只需要直接買入盈富基金就可以,唔需要大費周章去選股. 而家已經新加入被動基金,就類似我講果d,直接追蹤恆生指數就可以,收費可以減少60%以上,我暫時估計未來10年既回報會跑贏之前好多,但如果屬中低風險類別,依然會輸死(強積金黎講,買恆指成份股已經係超高風險). 另一個改革方案就係仿傚新加坡,佢地既強積金係有每年保證回報,冇記錯係3-4%,原理就係,直接買入由淡馬錫所發行之債券,間接效果則由淡馬錫代為投資,而香港如果要咁做,對口部門應該係外匯儲備基金. 好多歐洲國家都有用呢個做法,譬如挪威主權基金都持有大量香港股票,咁個問題係邊呢,就係香港好難高透明度去做,而外匯儲備基金亦唔想太過開放,簡單黎講就係政治風險代價太高. 醫療劵主要目的就係為左減輕公營負擔,但我唔明你指既失敗在於邊一方面,冇辦法答到你. Mon, 08 Feb 2021 21:07:43 +0000 政治及管治 guest@oegod.com (匿名 匿名) https://www.oegod.com/question/%E5%BC%B7%E7%A9%8D%E9%87%91%E5%8F%8A%E9%86%AB%E7%99%82%E5%8A%B5%E7%82%BA%E4%BB%80%E9%BA%BC%E5%92%81%E5%A4%B1%E6%95%97%E5%A6%82%E4%BD%95%E6%94%B9%E9%9D%A9#answer-7641 https://www.oegod.com/question/%E5%BC%B7%E7%A9%8D%E9%87%91%E5%8F%8A%E9%86%AB%E7%99%82%E5%8A%B5%E7%82%BA%E4%BB%80%E9%BA%BC%E5%92%81%E5%A4%B1%E6%95%97%E5%A6%82%E4%BD%95%E6%94%B9%E9%9D%A9#answer-7642 https://www.oegod.com/question/%E5%BC%B7%E7%A9%8D%E9%87%91%E5%8F%8A%E9%86%AB%E7%99%82%E5%8A%B5%E7%82%BA%E4%BB%80%E9%BA%BC%E5%92%81%E5%A4%B1%E6%95%97%E5%A6%82%E4%BD%95%E6%94%B9%E9%9D%A9#answer-7642 強積金及醫療劵為什麼咁失敗? 都吾系好失敗, 因個客/病人都有責任 如何改革? 1) 個客可以簡好D 個PLAN 甘多就吾會蝕 變相有得賺 2) 醫療劵 : 老人平时要用 吾好成日積住吾用, 用得合時, 吾好少少病用晒 等到大病時吾夠用 ### 凡事都吾會只系一方責任 Sat, 02 Jan 2021 17:14:43 +0000 政治及管治 guest@oegod.com (匿名 匿名) https://www.oegod.com/question/%E5%BC%B7%E7%A9%8D%E9%87%91%E5%8F%8A%E9%86%AB%E7%99%82%E5%8A%B5%E7%82%BA%E4%BB%80%E9%BA%BC%E5%92%81%E5%A4%B1%E6%95%97%E5%A6%82%E4%BD%95%E6%94%B9%E9%9D%A9#answer-7642