投資型保單類全委投資帳戶與一般組合型基金的比較

Comparison of Discretionary Investment-oriented Policy and Funds of Funds

陳鴻文(Hung-Wen Chen) ； 林英星(Ying-Shing Lin)

《全球管理與經濟》 13卷1期 (2017/06) Pp. 55-72

https://doi.org/10.6565/JGME.2017.06(1).4

摘要

本文主要了解投資型保單連結類全委投資帳戶和一般組合型基金的差異，１、透過分析發現因為類全委的費用收取較高致使全權委託基金不但績效差於組合型基金，且在標準差及變動度上也較高於組合型基金，２、專業團隊單獨操作的全權委託基金表現不如整體廣泛投資標的的組合型金，在風險控管上也沒辦法做有效管理。3.若選擇較常與保險公司合作的基金公司，其受託操作基金支數愈多，表現也會較佳。

關鍵字

類全委投資帳戶 ； 組合型基金 ； 基金績效

並列摘要

This paper mainly understands the difference between the investment type of the discretionary investment-oriented policy and the funds of funds. 1. Through the analysis, it is found that the discretionary investment-oriented policy is not only poorly performing in the funds of funds because of the high fees charged by the class committee, And the degree of change is also higher than the funds of funds, 2, the professional team to operate alone the discretionary investment-oriented policy performance as a whole wide investment standard funds of funds, there is no way to do effective management of risk management. 3. If you choose more often with the insurance company to cooperate with the fund company, its entrusted operating fund count more, the performance will be better.

並列關鍵字

Discretionary ； Investment-oriented Policy ； Funds of Funds ； Fund Performance