美國國際投資人信託

Pacific Rim
Objectives of International Investors
國際投資者們的需求
 Security 安全性高
 Flexibility 彈性化
 Wide Array of Investment Options
無限寬闊的投資選擇
 Capital Appreciation 資本增值
 Liquidity and Access to Funds 常
保資金流動性且又容易取得
 Tax Free Structure 達到免稅之利
 Why Invest Internationally
為什麼往國際間投資
Investors want to retire while maintaining a
high standard of living 投資人在退休時享有高
水準的生活
They also want to plan for the future needs
of their children 為孩子的將來
做打算
They want to protect themselves from
political and economic instability 在國
內政治和經濟不穩定的狀況下保護家人
 Retirement 做退休的準備
 Every year life expectancy is
increasing 每年 , 人的平均壽命都增加
 It is important that investments
outpace inflation 跟上物價通貨膨脹的腳
步是很重要的
 The best way to beat inflation is a
diversified portfolio 唯一能夠跟上通貨膨
脹的腳步是做多樣化的投資
IbbotsonAssociates

Returns before and after inflation

1926–2003 通貨膨脹之前和之後的報酬率
12%

10.4%
Before inflation 通貨膨脹前
10% After inflation 通貨膨脹後
Compound annual return

8%
7.2%

6% 5.4%

3.7%
4%

2.3%
2%
0.7%

0%
Stocks Bonds Cash

Assumes reinvestment of income and no transaction costs or taxes. This index performance does not reflect the different fees
and charges associated with variable annuities. If it did, the performance would be lower than cited above.
 Education 孩子的教育金
 Educational costs are rising faster
than overall inflation 大學學費上漲比
通貨膨脹還快
 It is important to start planning for
education as soon as possible 馬上
開始計畫儲存孩子的教育金是很重要的
IbbotsonAssociates

Returns before and after taxes

繳稅之前和之後的報酬率
1926–2003

12%

10.4% Before taxes 課稅之前

10% After taxes 課稅之後
Educational Inflation
Compound annual return

8.0% 學費調漲比率
8%

6% 5.4% 5.7%

3.9% 3.7%
4%

2.2%
2%

0%
Stocks Stocks Bonds Bonds Cash Cash Inflation
after after after
taxes taxes taxes
This index performance does not reflect the different fees and charges associated with variable annuities. If it did, the
performance would be lower than cited above. Withdrawals of tax-deferred accumulations are subject to ordinary income
taxes. A 10% federal tax penalty may apply to withdrawals made before age 59½.
 The Cost of Waiting
猶豫不決的代價
 For every decade that you wait to start
investing you have to invest more than double
the amount to reach your goal 您每慢十年投資
, 就要付出兩倍的金額來達到您的目標

 It is important to start investing in a diversified

portfolio as soon as possible 馬上開始執行您的
多樣化的投資是很重要的
IbbotsonAssociates

Hypothetical investment in stocks 股票投資假設

$150,000
Year-end 1983–2003
$129,616 Total amount invested 總共投資金額
Compounded value at year-end 2003 到 2003 年的覆利
價值

$100,000

Year-end 1993–2003
$62,356

$50,000
$40,000

$20,000

$0
Investor A Investor B
Years contributing: 10 10
Annual amount contributed: $2,000 $4,000
This index performance does not reflect the different fees and charges associated with variable annuities.
If it did, the performance would be lower than cited above.
What is the Solution?
要如何解決呢 ?
 Global Institutions
全球性的金融管理機構

 Security 安全
 Confidence 值得信賴
 Experience 經驗豐富
 Royal Bank of Canada
加拿大皇家銀行
 #1 Bank in Canada
加拿大第一大銀行
 Moodys Aa 慕迪投資 Aa 評價
 Global Fortune 500
全球五百大企業排名 299

One the top 10 banks in North America

北美洲十大銀行之一
 Over 40 billion in pension funds under
management 管理超過 400 億美元退休金
 Fortune 500 全球五百大企業排名 193
 #1 Insurance broker in the world 全球
最大的保險經紀人和退休金管理人
Asset Managers 資產管理公
司

 Top Fund Administrators 頂尖的基金行

政管理公司
 Wide Array of Funds 多元的基金選擇
 Prize winning funds 備受肯定的基金
Fund Classes 基金種類
 Fixed Income 固定收益型基金
 Equity 股票型基金
 Hedge Funds 避險型基金
 Guaranty Structure 保證機制型基金
IbbotsonAssociates

Stocks, Bonds, Bills, and Inflation

Year-end 1925–2003
$20,000
$10,000 $10,954 12.7%
Small company stocks
Large company stocks
Government bonds $2,285 10.4%
$1,000 Treasury bills
Inflation Ending Average
wealth return

$100
$61 5.4%

$18 3.7%
$10 $10 3.0%

$1

$.10
1925 1935 1945 1955 1965 1975 1985 1995 2003

Hypothetical value of $1 invested at year-end 1925. Assumes reinvestment of income and no transaction costs or taxes.
Fixed Income 固定收益型基
金
 Morgan Stanley 摩根史坦利系列基金
 US Bond 美國債券基金
 Euro Bond 歐洲債券基金
 Emerging Markets 新興市場債務基金

 Alliance Capital (ACM) 大聯系列基金

 Global Bond 全球債券基金
 Short Dollar Maturity 全球成長趨勢基金

 Man Investments MAN 系列基金

 Arbitrage Strategies 套利策略基金
 Equity 股票型基金
 Morgan Stanley 摩根史坦利系列基金
US Equity Growth 美國股票成長基金
US Small Cap Growth 美國小型企業基金
World Equity 全球股票基金
Global Brands 全球品牌基金
European Value Equity 歐洲股票基金
European Equity Growth 歐洲股票成長基金
US Property 美國物產基金
 Equity 股票型基金

 Alliance Capital (ACM) 大聯系列基金

American Value 美國價值基金
Global Value 全球價值基金
International Healthcare 國際醫護基金
Asian Technology 亞洲科技基金
Greater China 大中華基金
India Liberalization 印度自由基金
 Hedge Funds 避險型基金
 Man Investments MAN 系列基金
AHL Diversified PLC AHL 多元化管理基金
Arbitrage Strategies 套利策略基金
Capital Guaranteed Funds 保本基金
 Alliance Capital 大聯系列基金
Strategic Technologies 科技策略投資基金
 Advanced Technology 先進的
科技
 Account Access 個人帳戶操作
 Clients 客戶
 Agents 業務顧問
 Online Access 網站操作
 Fund Switches 基金轉換
 Personal Data 個人資料
 Payment mode 投資方式
 Resource Center 資源中心
 Fund Info 基金資訊
 Forms 各種表格
 Announcements 公佈欄
 Investment Presentations 投資的建議
Illustrations