{"items":["5fda757d560e0100177f0795","5fda757d560e0100177f0796","5fda757d560e0100177f0798"],"styles":{"galleryType":"Columns","groupSize":1,"showArrows":true,"cubeImages":true,"cubeType":"max","cubeRatio":1.7777777777777777,"isVertical":true,"gallerySize":30,"collageAmount":0,"collageDensity":0,"groupTypes":"1","oneRow":false,"imageMargin":5,"galleryMargin":0,"scatter":0,"rotatingScatter":"","chooseBestGroup":true,"smartCrop":false,"hasThumbnails":false,"enableScroll":true,"isGrid":true,"isSlider":false,"isColumns":false,"isSlideshow":false,"cropOnlyFill":false,"fixedColumns":0,"enableInfiniteScroll":true,"isRTL":false,"minItemSize":50,"rotatingGroupTypes":"","rotatingCropRatios":"","columnWidths":"","gallerySliderImageRatio":1.7777777777777777,"numberOfImagesPerRow":3,"numberOfImagesPerCol":1,"groupsPerStrip":0,"borderRadius":0,"boxShadow":0,"gridStyle":0,"mobilePanorama":false,"placeGroupsLtr":true,"viewMode":"preview","thumbnailSpacings":4,"galleryThumbnailsAlignment":"bottom","isMasonry":false,"isAutoSlideshow":false,"slideshowLoop":false,"autoSlideshowInterval":4,"bottomInfoHeight":0,"titlePlacement":["SHOW_ON_THE_RIGHT","SHOW_BELOW"],"galleryTextAlign":"center","scrollSnap":false,"itemClick":"nothing","fullscreen":true,"videoPlay":"hover","scrollAnimation":"NO_EFFECT","slideAnimation":"SCROLL","scrollDirection":0,"scrollDuration":400,"overlayAnimation":"FADE_IN","arrowsPosition":0,"arrowsSize":23,"watermarkOpacity":40,"watermarkSize":40,"useWatermark":true,"watermarkDock":{"top":"auto","left":"auto","right":0,"bottom":0,"transform":"translate3d(0,0,0)"},"loadMoreAmount":"all","defaultShowInfoExpand":1,"allowLinkExpand":true,"expandInfoPosition":0,"allowFullscreenExpand":true,"fullscreenLoop":false,"galleryAlignExpand":"left","addToCartBorderWidth":1,"addToCartButtonText":"","slideshowInfoSize":200,"playButtonForAutoSlideShow":false,"allowSlideshowCounter":false,"hoveringBehaviour":"NEVER_SHOW","thumbnailSize":120,"magicLayoutSeed":1,"imageHoverAnimation":"NO_EFFECT","imagePlacementAnimation":"NO_EFFECT","calculateTextBoxWidthMode":"PERCENT","textBoxHeight":26,"textBoxWidth":200,"textBoxWidthPercent":65,"textImageSpace":10,"textBoxBorderRadius":0,"textBoxBorderWidth":0,"loadMoreButtonText":"","loadMoreButtonBorderWidth":1,"loadMoreButtonBorderRadius":0,"imageInfoType":"ATTACHED_BACKGROUND","itemBorderWidth":0,"itemBorderRadius":0,"itemEnableShadow":false,"itemShadowBlur":20,"itemShadowDirection":135,"itemShadowSize":10,"imageLoadingMode":"BLUR","expandAnimation":"NO_EFFECT","imageQuality":90,"usmToggle":false,"usm_a":0,"usm_r":0,"usm_t":0,"videoSound":false,"videoSpeed":"1","videoLoop":true,"jsonStyleParams":"","gallerySizeType":"px","gallerySizePx":1000,"allowTitle":true,"allowContextMenu":true,"textsHorizontalPadding":-30,"itemBorderColor":{"themeName":"color_12","value":"rgba(197,197,197,0)"},"showVideoPlayButton":true,"galleryLayout":2,"calculateTextBoxHeightMode":"MANUAL","targetItemSize":1000,"selectedLayout":"2|bottom|1|max|true|0|true","layoutsVersion":2,"selectedLayoutV2":2,"isSlideshowFont":true,"externalInfoHeight":26,"externalInfoWidth":0.65},"container":{"width":300,"galleryWidth":305,"galleryHeight":0,"scrollBase":0,"height":null}}
由零開始學習股票-月供股票懶人包

難度:★☆☆☆☆
月供股票,就是每月用相同的金額,購買相同的股票。月供股票是大多數投資新手,希望透過「平均成本法」(dollar cost averaging)作長遠投資的撰擇。平均成本法是指以分段買入股票的方式,減低資產短期波動的風險。
舉個例,假設你開始月供2000元中銀香港、2000元中國平安、2000元港燈,你會在每月指定日子以相同金額買入這三隻股票。現在中銀香港是36.1元一股,你這個月會買到55股,即1985.5元,銀行只會用1985.5元買,餘下會留在戶口。同樣地,中國平安是77.3元一股,你這個月會買到25股,即1932.5元。
月供股票的好處,主要有:
1)低入場費:如果你長期看好中國平安,平安一手要38650元,但你覺得一次過付太多錢,月供就幫到你。你可以每月2000元地供。
2)平均成本:假設平安三個月的股價是:67元、77元、87元,你同樣是月供2000元,在第一個月你會買到29股,第二個月買到25股,第三個月買到22股,變相平的時候買多些,貴的時候買少些。平均買入價會是6000元/(29+25+22)=78.9元。
3)減低心理因素:由於每月都是指定日子入貨,不需要時刻望住股票機看黃金靚位入貨。入完貨後股票升,不會那麼快想「止賺」。而入完貨後股票跌,也不會那麼快想「止蝕」。投資者不用擔心短期賺蝕,迫自己做長線投資者。
常見疑問:
問:不同銀行的佣金收費有分別嗎?
答:有,消委會今年8月比較了10間銀行的月供股票計劃,發現進行相同的月供計劃,收費可以相差逾倍。原因是有些銀行是「按股票」收費,有些是「按計劃」收費。前者是逐隻股票計收費,後者是一個計劃內供多少隻也收同一筆費用。
一般來說,選擇「按計劃」收費的銀行會比較便宜,包括有中銀、大新、工銀亞洲、永隆、集友等,全都是收取供款額的0.25%佣金費用。而且,它們的最低收費大部分都是50元,除了大新是38元。值得一提的是,匯豐更以免佣金及其他服務費及稅項作招徠,投資者每月供款1,000元,可全數買入所投資的股份。不過,滙豐會每個月收取25元的股票保管費。
問:碎股會否無法沽出?
答:銀行可以以正價沽出碎股,無需擔心,會視作一般股票買賣處理。不過要留意,大部分銀行對一般交易,都設有經紀佣金的最低收費,最普遍是100元,如果以經紀佣金是沽出價的0.25%計算,每次沽出價值少於40,000元的股票,都需要支付100元的最低佣金。換言之,每次沽出的價值愈少,涉及的佣金比例便會愈高。
問:有息派嗎?
答:有息派,不需要儲夠一手才有。