(中央社記者田裕斌台北4日電)希臘確定對國際貨幣基金(IMF)倒債,總理齊普拉斯呼籲民眾在7月5日舉辦的公投拒絕紓困方案,讓希臘債務危機愈演愈烈,手上有歐股基金部位的投資人,該怎麼辦?

金控理專提供3個步驟,讓投資人可以快速決定自己手中的歐洲基金該留?還是該賣?或是有什麼可以移轉的標的,可以暫避這波希臘倒債引來的風險。

一、檢視手中歐洲基金部位;中國信託商銀財富產品處理財規劃部協理廖亭亭表示,持有歐洲基金的投資人,首先最好先檢視手上基金的投資組合,若是投資泛歐洲的基金,投資希臘的部位可能不高,但若是以南歐為主要投資市場的基金,希臘所占部位可能達到10%至20%。

若是投資人不清楚自己的基金部位是否有投資希臘的部位,可直接詢問基金公司或銀行理專,基金最新的持股狀況,或從專業基金網站中,取得個別基金的投資組合;雖然會有1至2個月的落差,但因投資比重不會在短期內有劇烈變化,對投資人還是有參考價值。

二、持有歐元資產部位多先賣再說;廖亭亭認為,短線歐洲金融市場動盪難免,7月5日希臘舉辦的公投主要決定是否接受歐盟提供的紓困方案,讓希臘總理齊普拉斯具有回到歐盟談判桌的正當性。不過可以預見的是,未來希臘與歐盟之間的角力將是個冗長的過程。

雖然歐洲今年經濟復甦態勢已成,但另一外國內金控業旗下銀行理專也指出,今年看好的市場仍以歐美、日本、中國大陸為主,加上今年以來持續建議客戶「股優於債」,針對部位較高的客戶則先建議減碼1/2至1/3,待消息面較為明確之後,再行進場回補。

三、債券部位首選投資等級若是持有歐元資產並非基金或股票,而是債券,短線預估也會受到衝擊;廖亭亭指出,持有投資等級歐元債券的投資人,由於之前投資等級債券已經率先回檔,是相對安全的標的;但若是高收益債券,恐難逃過這波市場的下殺力道。

廖亭亭建議,持有歐元資產的投資人,最好先降低投資比重至較為強勢的貨幣,例如美元資產上;若部位太高短線無法全數出脫,也最好先轉至較為安全的投資等級債券避風頭,等到風暴過去後,再重新進行資產配置。1040704

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Greece's Prime Minister Alexis Tsipras, center, speaks to the media after voting at a polling station in Athens, Sunday, July 5, 2015. Greeks began voting early Sunday in a closely-watched, ... 較多Greece's Prime Minister Alexis Tsipras, center, speaks to the media after voting at a polling station in Athens, Sunday, July 5, 2015. Greeks began voting early Sunday in a closely-watched, closely-contested referendum, which the government pits as a choice over whether to defy the country's creditors and push for better repayment terms or essentially accept their terms, but which the opposition and many of the creditors paint as a choice between staying in the euro or leaving it. (AP Photo/Spyros Tsakiris) 較少











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Associated Press | 拍攝者 Spyros Tsakiris





2015年7月5日週日 台北標準時間下午4時09分





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