【語重心長】投資新手或者唔想再做傻散嘅入一入嚟（4）

有冇用致富月供嘅巴打
見佢主帳戶每次頭1000USD都免佣
想請教下如果月供多過1000usd 係咪用子帳戶會抵啲？

A note on tracking error: In October 2022, we switched from using SCHO ETF (1-3yr govt bonds) for excess cash management to a laddered T-Bill portfolio. The KFA MLM Index we track assumes a cash return of 30-day T-Bills on 100% of the assets. For the ETF, typically 15%-20% of assets are at the futures broker earning interest, but earn less than the 30-day T-Bill. The remaining 80%-85% of excess cash is at the custodian invested in a laddered T-Bill portfolio with maturities up to 1yr (prior to October 2022 it was SCHO). Assuming a normal yield curve, having maturities out further on curve helps make up difference to the broker’s level of paid interest. Most of the slippage from 2022 is attributable to the cash investment in SCHO plus typical fees. There was some additional drag on the cash piece in 2023 with rising rates and the inverted yield curve, but far smaller relative to the effect SCHO had in 2022.

原來下面就有講，只係佢哋之前係用一至三年國債去track index嘅 30 days tbill，結果因為Inverted yield curve搞到咁大tracking error, 睇返過去一年個Tracking error又真係符合返個成本

月供好似只有主ac先供到

決定開定個ib account

記得問frd拎個referral code, 頭一年有1% IBKR股票回贈

你係月供多過1000usd照用主ac?

之前問過 收usd1000蚊打後嘅0.15%佣
我平時within個range 無實測過

要抄功課 有咩係四寶歐股ver

VT / (VTI + VXUS) = IMID / ACWD / VWRA
(AVUV + AVDV) = AVWS

4個post嘅濃縮精華就係依個

最多1000usd 等值
都好撚多
不過要擺夠一年先可以賣
ib應該都算優質股擺下無壞

無咁多 allin曬 放曬佢轉做歐股會唔會好不智

唔駛一次過的
你遲啲放多啲錢入去佢就遲啲先派多啲股俾你
直到你打爆上限
咁會有啲早啲夠一年嘅就可以賣先
但唔記有冇限要開戶後幾耐之內

購買時安排咗每個月5k短期美國債到期.
而家覺得roll落去好煩.
計劃每一張到期收錢就投入ib01.

其實大家點睇歐版美國國債etf？
美國版etf 如TLT利息睇落冇稅，好似美版都唔使遺產稅.
咁歐版美國國債etf係咪只有累積唔使自己roll嘅優勢？

美債應該唔洗遺產稅
美債基金唔敢答所以走去歐版算

成世人投資幾隻字概括晒

好似邊度睇到TLT 呢一類國債etf都唔使遺產稅
請師兄們指教

Btw IMID同VWRA邊個好啲 我上網睇IMID管理費平啲 但VWRA 5年黎又跑贏IMID3%

遲下 notes加返啲常見etf先，成日有人問

TLT雖然冇税，但都要扣定30%税再下年退返，至少IB係咁運作

除咗呢點咁歐版美債etf咁係只有累積唔使自己Roll嘅優點

咁應該係因為IMID包括埋小型股，近年表現比較差，同埋IMID 2023年先由0.40%管理費減至而家0.17%

遺產稅呢 其實好想知但好似無乜人答到

係呀.ib持有tlt中
運作同你講嘅一模一樣.跣抽稅再回水

tlt有

咁我返去繼續歐版