回复 116楼金银岛的帖子 chase private client fee is high. last time I talked to bank, it''''''''''''''''s 1% of your total asset which they manage. here is the detail https://www.chase.com/personal/investments/advisor/pricing exux 发表于 2023-01-29 13:21
嗯，那两千刀bonus不好拿，条条框框一大堆。看到 serviced by a J.P. Morgan Private Client Advisor 就知道这不是免费的午餐。
回复 116楼金银岛的帖子 chase private client fee is high. last time I talked to bank, it's 1% of your total asset which they manage. here is the detail https://www.chase.com/personal/investments/advisor/pricing
https://account.chase.com/consumer/banking/chase-private-client-checking-account-seo/QK96922 听上去不错，不知你用过了吗？有多少fee呢？ Accounts that qualify for your new money deposit Personal Checking and Savings accounts Eligible J.P. Morgan Wealth Management non-retirement investment accounts (opened in a Chase branch and serviced by a J.P. Morgan Private Client Advisor) Accounts that do not qualify for your new money deposit Business Checking and Savings accounts Any J.P. Morgan Self-Directed Investing & Automated Investing accounts Fees J.P. Morgan Wealth Management charges for its services Clients typically pay J.P. Morgan Securities for its services based on a percentage of assets under management. The table below features advisory fees for the firm’s Mutual Fund Advisory Portfolio, Chase Strategic Portfolio, J.P. Morgan Core Advisory Portfolio and the Advisory Program (Portfolio Manager Program and Select Advisory Strategies): J.P. Morgan Wealth Management Advisory Fee ScheduleAsset size Annual fee$0 to under $250,000 1.45% $250,000.00 to under $500,000 1.30% 存三个月的话，4.6%+2000/250000*4-1.3%*4=2.6% 存一年的话，4.6%+2000/250000-1.3%= 4.1% 是这样吧？
You can change it to joint account to double the coverage. Or open a separate account for your spouse (or at a different bank, Ally always closely follows Marcus' rate).
put your kid as a beneficiary your FDIC goes up by another 250K put your spouse as a beneficiary your FDIC goes up by another 250K that should give you 750K FDIC insurance edit. I was wrong above. The first beneficiary didn''t seem to increase the FDIC limit. So add grandma (assuming grandma is alive) as a beneficiary above (or add second kid) to get to 750K https://edie.fdic.gov/calculator.html?
put your kid as a beneficiary your FDIC goes up by another 250K put your spouse as a beneficiary your FDIC goes up by another 250K that should give you 750K FDIC insurance yolandos 发表于 2023-01-24 10:17
Credit unions of SoCal 5个月5%，我把Marcus的都转过去了 没事去逛街 发表于 2023-01-24 14:32
帮你加个链接 https://www.cusocal.org/Learn/Special-Offers/Great-Rates 利率不错，不过好像不是谁都能买的。 NEW MEMBERS: There are three ways to be eligible for Membership in CU SoCal: Live, work, attend school or religious services in the counties of Los Angeles, Orange, Riverside or San Bernardino. Be related to a current member of CU SoCal. Be an employee of a partnering business.
帮你加个链接 https://www.cusocal.org/Learn/Special-Offers/Great-Rates 利率不错，不过好像不是谁都能买的。 NEW MEMBERS: There are three ways to be eligible for Membership in CU SoCal: Live, work, attend school or religious services in the counties of Los Angeles, Orange, Riverside or San Bernardino. Be related to a current member of CU SoCal. Be an employee of a partnering business.
有没有其他什么银行可以推荐的？孩子小，未来两年有刚需换房需求，谢谢大家
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我也得被劝退的。其实各种fund啊都还要看Exp Ratio
嗯，那两千刀bonus不好拿，条条框框一大堆。看到 serviced by a J.P. Morgan Private Client Advisor 就知道这不是免费的午餐。
chase private client fee is high. last time I talked to bank, it's 1% of your total asset which they manage. here is the detail https://www.chase.com/personal/investments/advisor/pricing
https://account.chase.com/consumer/banking/chase-private-client-checking-account-seo/QK96922
听上去不错，不知你用过了吗？有多少fee呢？
Accounts that qualify for your new money deposit Personal Checking and Savings accounts Eligible J.P. Morgan Wealth Management non-retirement investment accounts (opened in a Chase branch and serviced by a J.P. Morgan Private Client Advisor)
Accounts that do not qualify for your new money deposit Business Checking and Savings accounts Any J.P. Morgan Self-Directed Investing & Automated Investing accounts
Fees J.P. Morgan Wealth Management charges for its services Clients typically pay J.P. Morgan Securities for its services based on a percentage of assets under management. The table below features advisory fees for the firm’s Mutual Fund Advisory Portfolio, Chase Strategic Portfolio, J.P. Morgan Core Advisory Portfolio and the Advisory Program (Portfolio Manager Program and Select Advisory Strategies): J.P. Morgan Wealth Management Advisory Fee Schedule Asset size Annual fee $0 to under $250,000 1.45% $250,000.00 to under $500,000 1.30%
存三个月的话，4.6%+2000/250000*4-1.3%*4=2.6% 存一年的话，4.6%+2000/250000-1.3%= 4.1% 是这样吧？
🛋️ 沙发板凳
citi 3.4%
t bill
put your kid as a beneficiary your FDIC goes up by another 250K put your spouse as a beneficiary your FDIC goes up by another 250K
that should give you 750K FDIC insurance
edit. I was wrong above. The first beneficiary didn''t seem to increase the FDIC limit. So add grandma (assuming grandma is alive) as a beneficiary above (or add second kid) to get to 750K
https://edie.fdic.gov/calculator.html?
这真的吗？哪里可以证实一下谢谢
actually we need to have two kids (https://edie.fdic.gov/calculator.html?)
刚刚看到vanguard的cash acct也是4.29%
mark mark
帮你加个链接 https://www.cusocal.org/Learn/Special-Offers/Great-Rates
利率不错，不过好像不是谁都能买的。
NEW MEMBERS: There are three ways to be eligible for Membership in CU SoCal: Live, work, attend school or religious services in the counties of Los Angeles, Orange, Riverside or San Bernardino. Be related to a current member of CU SoCal. Be an employee of a partnering business.
这几个银行都不错。
多开个账号 别搞joint
去门店开，存款无限制，不过最多只敢存25万被保险的金额
建议存在网上银行利息高。即便网上银行是实体银行开的，两者的业务也是分开的，所以不能去本地branch开网上银行账户，得直接在网上银行的网页上开账户。据 https://www.bankrate.com/banking/savings/rates/#best-online-savings-accounts
Popular Direct – APY: 4.16% CIT Bank – APY: 4.05% Bread Savings – APY: 4.00%
谢谢妹子，这些都是活期么，也说不准什么时候用所以也不能定期
你看了这个链接吗？写着savings accounts，即活期储蓄
哈哈没点还，在手机上走路就没点，这就看看
Popular Direct is NOT a good bank. Avoid them. Very bad persona experience and you can check online reviews.
是brokerage account吗
single, joint, pod都开，一家三口，存到200w都能cover
求问fidelity哪个活期有那么好利率呀 感谢
我也是这两银行 赶紧要换了
Mark
Mark thanks
是
换
这个cash account 是指money market么？谢谢
ally cd 4.6在哪里？我在ally上找不到呢，楼主可以给个链接吗？谢谢
同问。 fidelity brokerage里没找到
https://www.ally.com/go/bank/13m-select-cd/
听说被调查了，还是拿出来安全
这个活期3.9到底是什么账户怎么玩？理财小白求指教
同问，没看到哪个账户选项是3.9
是说的要买这里的基金吗？https://institutional.fidelity.com/app/funds/dailyratesheets
mark~`
```
开个fidelity brokerage account，放进去的钱没投资的话，就在SPAXX里 （除非你改变设置选另一个core position），近七天收益是3.94%，这个数字在不断变高。
要买CD也得在fidelity或vanguard这样的brokerage买broked CD，那里可以随时交易的。或者在那里买国债也可以随时交易。
求科普！刚刚国债网上面看得眼花缭乱
我来科普下吧。国债treasury bond按期限分为短期t bill，中期t note，和长期t bond三种，现在大家一般都买t bill，因为收益高，而且看涨。
国债是一期期发行的，t bill的期限分4周，8周，13周，17周，26周和52周。最短期的t bill每周发行一次，最长期的t bill一月发行一次。每期有三个日子，announcement date，auction date和issue date。买国债得在auction date前order，钱会在issue date从你的账户被扣除。现在可以order的国债见 https://www.treasurydirect.gov/auctions/upcoming/。你在order时不知道该期国债的确切价格，因为价格是由auction决定的，但近期发行的国债的auction结果是个很好的参考，价格大差不差的 https://www.treasurydirect.gov/auctions/announcements-data-results/
t bill和CD不同之处是它把收益先给你，比如你买一万刀一年期的国债，你被扣掉的钱会是个比一万小的数字，比如9600，等到期后还你一万，两者的差价400就是你的收益。另一个不同之处是t bill收益免州税和地方税。
你可以在财政部官网买新发行的国债，也可以在brokerage firm如fidelity和vanguard买，价格是完全一样的。在后者买的好处是那里有二级市场，可以随时在那里卖出没到期的国债。
请问有哪个银行的high yield saving 比较高吗？
谢谢
Mark这个
vanguard vmrxx 4.30% 这几个都是7 days sec yield as 1/26/2023
joint account with beneficiaries 是按照 pod 算吗？
存CD没大问题，可以early withdraw，有一点penalty, 你自己算一下花不花算就行了。觉得换个利率存更花算，我early withdraw 好多次了。
我居然不知道，去把我的Roth放满
you probably don't know money market FZDXX is 4.29% either (min 100K to buy in but doesn't need to maintain 100K)?
6个月到1年期T-Bill, 4.7%上下，这是没有州税的，短期最佳
大中型银行里面 一年期CD最高的4.6%上下，Ally Bank, CIT, Synchrony Savings： CIT 4.05%, Synchrony 3.75%, Etrade 3.5%, Marcus/Capital One/Amex/Discover ~3.3% 。Brokered CD两年左右看到有Wells Fargo 4.7%的，这也是不错的
好像跌了点？ 刚去看了下4.17
利率是这几个月起来的，前几个月还没1%呢，一平均可不是才一点多（他家data还滞后）
谢谢科普！
小白再问一下买在fidelity买tbill有什么讲究的吗？听起来跟存活期一样，收益有4%还免州税？
没买过，周一和fidelity约谈
买的时候有个选项叫Auto Roll，不选的话，到期后钱就回在core position了。选择了Auto Roll的话，就自动renew了。