中央公积金局于本月24日发文告,从今年10月1日起,欲参与公积金投资计划的会员,需先完成一份问卷测试,以清楚自身对投资理财的认知程度,从而判断自己是否适合开设有关投资户头。

这项更动,旨在确保拥有时间和投资知识者,已准备好承担投资风险。如果不谙投资或没有时间的公积金会员,可选择把钱继续放在公积金户头,赚取无风险的利率。

不过,不论问卷评估结果如何,会员都能开设投资户头。虽然公积金鼓励会员们接受测试,但并未强制现有会员参与。

“这项更动早在2018年3月份,由人力资源部附加辩论委员会在国会提出。”

下调投资户头销售费和合并收费

同时,参与投资计划的销售费和合并收费(wrap fees),也将从下月1日起下调:

当前

2018101日起

销售费

(新开设的公积金投资户头)

3%

1.5%

合并收费(现有和新户头)

1%

0.7%

销售费指的是在买基金时,向中间人支付的前期费用;合并收费则包含咨询和管理户头的成本。

人力资源部有意逐步下调有关收费,至明年10月1日,将完全废除销售费收费;至于合并收费将进一步下调至0.4巴仙。

 

 

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