紐約時報上週五報導賣保險產品的經紀怎樣用「股指年金」誤導人！用的股票指數回報沒包括股息。

https://www.nytimes.com/2018/11/30/your-money/retirement-annuities-steak-dinner.html?em_pos=large&emc=edit_my_20181203&nl=your-money&nlid=55681722edit_my_20181203&ref=headline&te=1  

"....Mr. Halaby’s staff distributed material before dinner that included a chart that looked like the one at the front of the room. It showed an equity indexed annuity performing 8.29 percent better, after an 18-year period from 1998 to 2016, than the S&P 500 stock market index.

But the pamphlet’s chart has some fine print — so small that my 47-year-old eyes could barely make it out — that disclosed the following: The index it was using was not accounting for the reinvestment of dividends from all those stocks....."

所有跟帖： 

• 那就是說，2%的股息给呑了。如果投资额是一米，每年股息收益是两万。经纪只要有十位客户，就可以年呑廿万。每年找到一位長客，十年后 -big_canon- ♂ (35 bytes) () 12/04/2018 postreply 20:07:51

• 这都什么跟什么呀？谁说股息给经纪吞了？ -ljty1- ♂ (0 bytes) () 12/04/2018 postreply 23:02:33

• 那些賣股指保証（gurantee但不是全回報total return)騙財產品的經紀及保險公司。 -big_canon- ♂ (0 bytes) () 12/05/2018 postreply 08:31:32

• 我跟保險經紀人沒仇，也從來沒有買任何保險騙財產品。看不過經紀教人理財，還下不下子要找律師告人。 -big_canon- ♂ (0 bytes) () 12/05/2018 postreply 08:39:32

• 我觉的应该是，如果包括了股息，SP500就会比投资产品好，客户就不会买了 -8级钳工- ♂ (0 bytes) () 12/05/2018 postreply 17:34:38