我在这两个网站买过同期新发行的tbill，价钱完全一样分毫不差。 fidelity的其它一些服务有收费，比如在它的二手市场交易tbill，就要收千分之一的交易费。 又如它的brokered CD，它相当于银行的中间商，它以优惠的价格买了银行的CD，再转卖给自己的用户。银行愿意让利给它，因为这样银行就不用直接和一个个散户打交道了。Fidelity offers investors brokered CDs, which are CDs issued by banks for the customers of brokerage firms. The CDs are usually issued in large denominations and the brokerage firm divides them into smaller denominations for resale to its customers.
这几个money market fund是特殊的，它们就是存放你现金的地方。你的钱在没投资时就自动放在其中之一里，你可以选放在哪个，不需要买进卖出。 https://www.fidelity.com/trading/faqs-about-account//#faq_about1 How does cash availability work in my account? Opening a Fidelity account automatically establishes a core position, used for processing cash transactions and for holding uninvested cash. When you sell a security, the proceeds are deposited in your core position. When you buy a security, cash in your core position is used to pay for the trade. This happens automatically—you do not have to "sell" out of your core account to make a purchase.
这几个money market fund是特殊的，它们就是存放你现金的地方。你的钱在没投资时就自动放在其中之一里，你可以选放在哪个，不需要买进卖出。 https://www.fidelity.com/trading/faqs-about-account//#faq_about1 How does cash availability work in my account? Opening a Fidelity account automatically establishes a core position, used for processing cash transactions and for holding uninvested cash. When you sell a security, the proceeds are deposited in your core position. When you buy a security, cash in your core position is used to pay for the trade. This happens automatically—you do not have to "sell" out of your core account to make a purchase. 金银岛 发表于 2022-12-25 17:38
谢谢。没搞清楚如何开money market 账号，请教是不是要先开以下的任何一个账号？ The Fidelity Account® Manage your financial needs with the Fidelity Account, a full-featured, low-cost brokerage account, designed to grow and adjust according to your needs as an investor. 或者 Fidelity® Cash Management Account The account that helps meet your banking needs and more with no account fees or minimums to open an account, and competitive rates. It's never been easier to spend and save smarter.
谢谢。没搞清楚如何开money market 账号，请教是不是要先开以下的任何一个账号？ The Fidelity Account® Manage your financial needs with the Fidelity Account, a full-featured, low-cost brokerage account, designed to grow and adjust according to your needs as an investor. 或者 Fidelity® Cash Management Account The account that helps meet your banking needs and more with no account fees or minimums to open an account, and competitive rates. It's never been easier to spend and save smarter. 碌碌无为 发表于 2022-12-25 21:14
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fidelity比较方便。
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https://www.youtube.com/embed/HdlGaT_Gy5o
不知现在利率多少？我一个月前在tdameritrade买过wells fargo，18个月 4.907%
是在treasury direct上吗？多久有一次auction?
🛋️ 沙发板凳
MaxMyInterest
能具体说说吗？有什么优势之类的。谢啦
SPRXX
Google一下？
她估计是referral，有三个月短暂加息0.5%
不值得折腾，买点自己喜欢的东西算了
robinhood GOLD member 才给4%， 太黑心了。
楼主说有几万美刀，你给推荐个至少十万的？
tbill 不要付州税 但要付 federal tax https://www.investopedia.com/ask/answers/013015/how-are-treasury-bills-taxed.asp
401K没有在schwab也可以吗
这个也是退休基金？
谢谢
幸好现在加息,利息比以前高很多
或者购买中国大陆的股票,
明年开放,大概率还是要继续涨的.不过选好标的很重要.
首先是fidelity core position不要选fcash，选money market fund。 https://www.fidelity.com/mutual-funds/fidelity-funds/money-market-funds-fcash
其次可以去买点broker cd 或者treasury bond。 在fidelity，research下面的fixed income可以找到。
这个半年4.6%是 半年4.6%的收益（年利率9.2%），还是年利率4.6%？
https://www.marcus.com/share/BOY-GXI-L23A
买CD。
mm 能不能给个截图或链接？ 请问任何 ira 账户都可以买到4.6% 的吗？我在TIAA，没找到。
谢谢了！
请问你有没有比较过价格？ 我也是在fidelity上买 fidelity不收手续费或者压低中间价格不太相信啊
Same here. 我直接就在fidelity上面时不时买三个月的美债。就算不买，里面的money account现在也有3.7%的收益
请问t-bills到期后，钱是不是转到你的银行账号了？要多久能到银行账号？
我在这两个网站买过同期新发行的tbill，价钱完全一样分毫不差。
fidelity的其它一些服务有收费，比如在它的二手市场交易tbill，就要收千分之一的交易费。
又如它的brokered CD，它相当于银行的中间商，它以优惠的价格买了银行的CD，再转卖给自己的用户。银行愿意让利给它，因为这样银行就不用直接和一个个散户打交道了。Fidelity offers investors brokered CDs, which are CDs issued by banks for the customers of brokerage firms. The CDs are usually issued in large denominations and the brokerage firm divides them into smaller denominations for resale to its customers.
fidelity
我用brokerage 账户里的钱买的，到期换成钱在自己账户里
我不怎么把钱放银行里，银行是用来付账的
万一没开放呢？
如果确定一年不用钱，all-in52周也行。 缺点就是，如果明年初期，中期股市崩盘，你的资金就拿不出来进场了。如果崩盘，美联储涨息救市，你也只能干瞪眼。
年利率
MD, 刚才发现fidelity 的现金是cash core position, 才1.7%, 气死了
马上给改了，换成3.8%的，这样就算没买t bill 也不怎么亏
是的，你如果是在treasury direct 上买的话。钱在到期当天的早上就到银行账户上了。
我都没有留意fielity的现金利息是多少。这个怎么查，怎么换？谢谢！
fidelity 告诉你怎么换，一分钟的是，你狗狗一下
我看见的是 cash management account APR 2.21%。 3.8% 是哪种啊？
请教money market 是不是通过fidelity checking account去买？ 如果是的话，是不是可以随时把钱转到checking account? 有交易费吗？
如果从fidelity买t-bills的话，可以从money market里的钱直接交易吗？ 到期后钱是不是回到money market里？
谢谢
这几个money market fund是特殊的，它们就是存放你现金的地方。你的钱在没投资时就自动放在其中之一里，你可以选放在哪个，不需要买进卖出。
https://www.fidelity.com/trading/faqs-about-account//#faq_about1
How does cash availability work in my account? Opening a Fidelity account automatically establishes a core position, used for processing cash transactions and for holding uninvested cash.
When you sell a security, the proceeds are deposited in your core position. When you buy a security, cash in your core position is used to pay for the trade. This happens automatically—you do not have to "sell" out of your core account to make a purchase.
markkkk
谢谢。没搞清楚如何开money market 账号，请教是不是要先开以下的任何一个账号？
The Fidelity Account® Manage your financial needs with the Fidelity Account, a full-featured, low-cost brokerage account, designed to grow and adjust according to your needs as an investor.
或者
Fidelity® Cash Management Account The account that helps meet your banking needs and more with no account fees or minimums to open an account, and competitive rates. It's never been easier to spend and save smarter.
我开的是The Fidelity Account，这个账户让你做各类投资如买卖债券基金和股票。开的时候会问你选这三个money market中的哪个作为放未投资现金的core position。Default选择是SPAXX，这个选择过后可以随时修改。
Fidelity® Cash Management Account好像是用来起替代银行支票账户的作用。你的工资可以直接存到这个账号去，可以网上付账，用ATM机取钱等。那里的钱好像只有一点几的利息。
赞，我是最近才开始调整的，以前许多现金在银行，利息很低。因为胆小觉得在 bokerage 帐户不安全，用只有online的银行 也不安全，也懒得折腾。现在意识到不行，要改变想法，否则损失太大了。
我问过客服的，那个1.7 算是银行帐户有 fdic。 money market 算是borkerage帐户，无fdic，所以高一些等于买基金，但买 CD是fdic的，买TBill 也是万无一失的。
还是不明白，请问怎么去改钱默认存的方式呢？我以前开户不记得有这个选项 谢谢
login 之后，在左上角选 ‘portfolio’ 然后在页中有几个tab选 ‘position’，会显示目前的一个，上面有个绿色box 显示 ’change core position‘，你click 一下会出现几个选项，选一个就可以了。 你可以 在自己帐号play around ，到处看看，就会觉得挺容易。与其它平台相比， 我觉得 fidelity 平台很好，刚开帐户时不熟，现在很熟了。