其实你能暂时凑足100k的话可以开fidelity cash account (don''t use their CORE fund) 买FZDXX 4.26%- 7 days average and 4.35% - compound,跟现金一样。第二天取出80K那剩下的20K就是4.26%。我准备试试
https://redneck.bank/accounts/redneck-rewards-checkin-account Redneck checking , I have used them. Earn 4.50% APY when you have up to $15,000 in your account.
其实你能暂时凑足100k的话可以开fidelity cash account (don''t use their CORE fund) 买FZDXX 4.26%- 7 days average and 4.35% - compound,跟现金一样。第二天取出80K那剩下的20K就是4.26%。我准备试试 yolandos 发表于 2023-01-01 10:35
其实你能暂时凑足100k的话可以开fidelity cash account (don''t use their CORE fund) 买FZDXX 4.26%- 7 days average and 4.35% - compound,跟现金一样。第二天取出80K那剩下的20K就是4.26%。我准备试试 yolandos 发表于 2023-01-01 10:35
券商的mutual fund应该是SIPC保险,50万 Are Fidelity cash accounts insured? Your Cash Balance while held by Fidelity and in transit to or from a Program Bank is not FDIC-insured but is covered by SIPC. For more information regarding FDIC insurance, please consult fdic.gov. For more information regarding SIPC coverage, including the SIPC brochure, please consult sipc.org or call 202-371-8300. https://www.sipc.org/for-investors/what-sipc-protects SIPC protects against the loss of cash and securities – such as stocks and bonds – held by a customer at a financially-troubled SIPC-member brokerage firm. The limit of SIPC protection is $500,000, which includes a $250,000 limit for cash. Most customers of failed brokerage firms are protected when assets are missing from customer accounts. There is no requirement that a customer reside in or be a citizen of the United States. A non-U.S. citizen with an account at a brokerage firm that is a member of SIPC is treated the same as a resident or citizen of the United States with an account at a SIPC member brokerage firm. How is my cash protected: SIPC protects cash in a brokerage firm account from the sale of or for the purchase of securities. Cash held in connection with a commodities trade is not protected by SIPC. Money market mutual funds, often thought of as cash, are protected as securities by SIPC. SIPC protects cash held by the broker for customers in connection with the customers’ purchase or sale of securities whether the cash is in U.S. dollars or denominated in non-U.S. dollar currency.
haha, in reality fidelity 的cash management beats all the checking and saving accounts. even check deposit fidelity is way better (500K mobile deposit). None of the banks allow mobile that much.
FZDXX 7 day average yield is 4.26% and compound yield is 4.35% Risk is very very low as it insuranced by SPIC (not FDIC) but yeah there is risk Fidelity could go bankrupt but it if does that means the yellow stuff has hit the fan and you have way more to worry about. Yes it fluctuates with the market but I had never broken $1. 2008 we were closer to break a dollar. The best part of these MMF are they are really act like cash, i.e. you can withdraw directly, buy stocks with it or even paybill against them.
FZDXX 7 day average yield is 4.26% and compound yield is 4.35% Risk is very very low as it insuranced by SPIC (not FDIC) but yeah there is risk Fidelity could go bankrupt but it if does that means the yellow stuff has hit the fan and you have way more to worry about. Yes it fluctuates with the market but I had never broken $1. 2008 we were closer to break a dollar. The best part of these MMF are they are really act like cash, i.e. you can withdraw directly, buy stocks with it or even paybill against them. yolandos 发表于 2023-01-01 19:52
Actually Fidelity CMA ATM debitcard will be fee free at any worldwide ATM with the following logos: Visa®, Plus®, or Star® I only have one ATM card better than Fidelity when it comes to ATM cash withdraw: First Republic ATM card that reimburses any ATM fees.
Actually Fidelity CMA ATM debitcard will be fee free at any worldwide ATM with the following logos: Visa®, Plus®, or Star® I only have one ATM card better than Fidelity when it comes to ATM cash withdraw: First Republic ATM card that reimburses any ATM fees. yolandos 发表于 2023-01-02 19:13
相当于银行里放几万块钱的话,美国银行给你几分钱,网上银行一个月能给你一百多块利息买菜了。
我难道看错什么了吗?
https://media.bac-assets.com/DigitalDeposit_CA_CA_Los_Angeles.pdf?cacheBuster=6714
请问大家的闲钱都是马上买成CD或T-bill的吗?想想几万块放在checking上太不合算了
谢谢。 ally是不是只有网上银行?
我想现在是不是都是网上银行秒实体银行? 我公司的credit union的利息也是万分之一。每年寒酸地显示几分钱利息。
相比之下,网上银行的利息很有吸引力。问问大家,这种网上银行会有什么缺点或隐患吗?
https://www.marcus.com/share/YIY-V6C-6BCI 4.3% API
我从原来的银行转钱到另外的银行,每天只能transfer 2万五。大家的也是这样的吗?如果要多转的话,就只能多转几天,感觉有点麻烦。Wire transfer 要填表,还要收手续费,也麻烦。经常开新账户的姐妹是怎么解决这个问题的? 谢谢!
高盛Marcus的 online saving account现在是4.3% APY。它的好处是随时存取,没有Min balance要求, incoming/outgoing wire transfer 都是Free, 钱进出极为方便 额度quote很大。背靠高盛 安全无忧 FDIC insured。
请用下面的refer链接申请 拿到4.3% APY (还剩下4个名额) 多谢! https://www.marcus.com/share/LIY-93L-EAAW
Marcus 自己转是单笔125K额度。如果更多打电话给客服就可以。 https://www.marcus.com/share/YIR-3H7-3ECQ
那是不是每个月都要挪钱去买cd?
支票pay给自己,用手机deposit
Saving也一样
SPRXX 4.14%/4.22%, 没差多少,钱少的话也可以买
这些都是有FDIC保险的吧?
券商的mutual fund应该是SIPC保险,50万
Are Fidelity cash accounts insured? Your Cash Balance while held by Fidelity and in transit to or from a Program Bank is not FDIC-insured but is covered by SIPC. For more information regarding FDIC insurance, please consult fdic.gov. For more information regarding SIPC coverage, including the SIPC brochure, please consult sipc.org or call 202-371-8300.
https://www.sipc.org/for-investors/what-sipc-protects
SIPC protects against the loss of cash and securities – such as stocks and bonds – held by a customer at a financially-troubled SIPC-member brokerage firm. The limit of SIPC protection is $500,000, which includes a $250,000 limit for cash. Most customers of failed brokerage firms are protected when assets are missing from customer accounts. There is no requirement that a customer reside in or be a citizen of the United States. A non-U.S. citizen with an account at a brokerage firm that is a member of SIPC is treated the same as a resident or citizen of the United States with an account at a SIPC member brokerage firm.
How is my cash protected: SIPC protects cash in a brokerage firm account from the sale of or for the purchase of securities. Cash held in connection with a commodities trade is not protected by SIPC. Money market mutual funds, often thought of as cash, are protected as securities by SIPC. SIPC protects cash held by the broker for customers in connection with the customers’ purchase or sale of securities whether the cash is in U.S. dollars or denominated in non-U.S. dollar currency.
谢谢讯息!
层主是开的哪种checking,怎么我的没那么高
几乎不怎么用 branch 可以开网上银行。
以前利息低不在乎, 现在5000块4%的利息也有200块,比它的monthly fee 都高了 (12*12, 144)
还不如用fidelity 的cash management 当checking呢
haha, in reality fidelity 的cash management beats all the checking and saving accounts. even check deposit fidelity is way better (500K mobile deposit). None of the banks allow mobile that much.
不是的 现在实体银行的saving 和 money market 也基本没利息,万分之二而已。 而网上银行都给百分之三以上了。
FZDXX 7 day average yield is 4.26% and compound yield is 4.35%
Risk is very very low as it insuranced by SPIC (not FDIC) but yeah there is risk Fidelity could go bankrupt but it if does that means the yellow stuff has hit the fan and you have way more to worry about.
Yes it fluctuates with the market but I had never broken $1. 2008 we were closer to break a dollar.
The best part of these MMF are they are really act like cash, i.e. you can withdraw directly, buy stocks with it or even paybill against them.
有点我不能理解的是好些网上银行就是实体银行办的,为何两者利率相差那么大?
我的网上银行是实体银行的一个division,结果两账户之间转钱还需要五个工作日才能到账,晕倒。
Branch cost 很高, building, employees , insurances , operations. 网上银行这些费用都少很多,就可以把 interest 给customers
你估计看错了 money market从来都是利率敏感的 不会那么低利率 再查查看?
你和我以前的想法一样,所以损失了许多利息。 现在就用on line的,利息高,攒一段时间再转去brokerage 帐户。
是的,我有一银行也是,所以就反过来,别的银行去那个有限制的银行去pull 钱。 Fidelity 一次转帐10 万,在fidelity上操作去那个银行转。
你这个200块是年息吧
早就存网上银行了。就是没网点取现金不方便呗,实体银行账户还是要的。找FDIC保险的就行。
我真是后知后觉。好几年前我同事就跟我说,网上银行的CD利息高, 他都存网上。但是那时候利息差别没这么明显, 加上我老派思维,心里不习惯网上银行,所以一直没有关注。
现在发现几年下来,简直亏大了!
谢谢详细的解释,再问一下这个应该在个人cash还是股票账户里面买呢?
这个办法好,谢谢!
打错了。不是checking. 是total saving. 但也是随时拿。 主页上就有。FD IC25万
Do it in all accounts you have cash (if under 100K then go with SPRXX which has 4.1% 7 day yield)
去银行开bank check
sounds like brainwashed by banks?
请问什么行,需要是新资金吗?
fidelity cash management account 的 debit card,全球有visa logo的atm取钱不需要手续费,包括在中国,比实体银行账户方便多了
Actually Fidelity CMA ATM debitcard will be fee free at any worldwide ATM with the following logos:
Visa®, Plus®, or Star®
I only have one ATM card better than Fidelity when it comes to ATM cash withdraw: First Republic ATM card that reimburses any ATM fees.
谢谢
看来我得改变观念试用网上银行了。 今天打美银电话,想和他们确认为什么利息低, 问他们有没有什么产品可以给好一点的利息, 结果硬是让我听了一个小时的机器人回话和音乐, 一直没真人接听, 太过分了!
我打算把钱转部分去 Fidelity 了。