to answer your question I have for an example, set up such an account with Ally no penalty CD in under 10 minites and liquidated them with a couple of mouse clicks.
看到大家all in Tbill,我现在很怕Tbill会爆 goodwill 发表于 2023-03-11 22:10
stick with short term Tbill if you are concerned. if you have a 1 year tbill and the fed raises the rate 1% tomorrow you will see roughly 1% loss on your tbill if you decide to sell. You will be OK if you hold it for a year but it could be nerve wracking to some people.
Revocable Trust Insurance Coverage - Five or Fewer Unique Beneficiaries When a revocable trust owner names five or fewer beneficiaries, the owner''s trust deposits are insured up to $250,000 for each unique beneficiary. This rule applies to the combined interests of all beneficiaries the owner has named in all formal and informal revocable trust accounts at the same bank. When there are five or fewer beneficiaries, maximum deposit insurance coverage for each trust owner is determined by multiplying $250,000 times the number of unique beneficiaries, regardless of the dollar amount or percentage allotted to each unique beneficiary. Therefore, a revocable trust with five unique beneficiaries is insured up to $1,250,000.
回复 125楼galah的帖子 当然是FDIC insured 这个比money market还保险 money market跟t-bill一样，也会跌的，你要是跌的时候卖出去反而亏钱，这个是稳赚不赔 Preferred Deposit is a Bank of America bank deposit product offering that you can access through eligible Merrill brokerage accounts. It makes it easy for you to manage your day-to-day cash flows alongside your investments, in a single account. Preferred Deposit also offers: Competitive yield. Your money will be placed into a deposit account with Bank of America N.A., to help you optimize the cash you may need for your goals. Security. As a bank deposit product, Preferred Deposit balances are insured by the Federal Deposit Insurance Corporation (FDIC), up to applicable limits. Convenience. You will have ready access to funds — through your Merrill advisor or MyMerrill — so you can use the money to pay for personal expenses or take advantage of other opportunities.
Per account type, so single account is one account type jojnt account t is another account type with $500k FDIC insured. if you add beneficiary it’s another $250k for each beneficiary
to answer your question I have for an example, set up such an account with Ally no penalty CD in under 10 minites and liquidated them with a couple of mouse clicks.
那你去这个网站搜索一下这个CUSIP 的代码是 949764AK0 的定期。是Wells Fargo 银行的CD。 利息是5.25
T-Bill如果爆了，那一定是世界大战。而且美国大败了。
stick with short term Tbill if you are concerned. if you have a 1 year tbill and the fed raises the rate 1% tomorrow you will see roughly 1% loss on your tbill if you decide to sell. You will be OK if you hold it for a year but it could be nerve wracking to some people.
BOA平时留个2万左右算紧急fund吧 就是取钱转账方便的 有local网点
同奇怪 莫非有猫腻 拭目以待
为啥 capital one cd风险大？🤔
这个
如果tbill 会爆 那cd就没问题吗？ 估计风险是差不多的
BOA 11个月CD 3.75%。
Boa实在太低了
Discover 系统很烂，我担心他算错。 把钱拿走了
仔细读一下这个FDIC文件。 特别是Revocable Trust Accounts 部分。看看1-5个beneficiaries 怎么算。5个以上怎么算。
https://www.fdic.gov/regulations/resources/brochures/your_insured_deposits-english.html
Revocable Trust Insurance Coverage - Five or Fewer Unique Beneficiaries
When a revocable trust owner names five or fewer beneficiaries, the owner''s trust deposits are insured up to $250,000 for each unique beneficiary.
This rule applies to the combined interests of all beneficiaries the owner has named in all formal and informal revocable trust accounts at the same bank. When there are five or fewer beneficiaries, maximum deposit insurance coverage for each trust owner is determined by multiplying $250,000 times the number of unique beneficiaries, regardless of the dollar amount or percentage allotted to each unique beneficiary. Therefore, a revocable trust with five unique beneficiaries is insured up to $1,250,000.
4.2%的是Fidelity brokerage account 的SPAxx吗？
打电话给银行确认过，和这个ＭＭ说的一样。joint account, $500k。加一个beneficiary加$250k。
你用FDIC 官网上的Eddie 算一下，会发现 joint account 50万，加一个beneficiary 还是50万，加两个就是75万。 Individual account 加一个beneficiary 加 25万。
以后我也这个
我也是佛系的心态了
你的marcus可以直接转fedility？？ 我怎么连着fedility连small deposit都是收不到所以我才没办法要走boa再过去
那个和其他投资类也没什么区别了？没有25w保险？
Chase CD 3-5 months , APR 4%. $100k+ minimum. .
当然是FDIC insured 这个比money market还保险 money market跟t-bill一样，也会跌的，你要是跌的时候卖出去反而亏钱，这个是稳赚不赔
Preferred Deposit is a Bank of America bank deposit product offering that you can access through eligible Merrill brokerage accounts. It makes it easy for you to manage your day-to-day cash flows alongside your investments, in a single account. Preferred Deposit also offers: Competitive yield. Your money will be placed into a deposit account with Bank of America N.A., to help you optimize the cash you may need for your goals. Security. As a bank deposit product, Preferred Deposit balances are insured by the Federal Deposit Insurance Corporation (FDIC), up to applicable limits. Convenience. You will have ready access to funds — through your Merrill advisor or MyMerrill — so you can use the money to pay for personal expenses or take advantage of other opportunities.
能造成恐慌不是系统问题造成的吗。小老百姓当心自己辛苦挣的三瓜两枣有什么错
250k是一个银行所有账号还是每个账号？
请问这个具体叫什么名字？谢谢
那一个 product? 我看到都是 0.01%
Per account type, so single account is one account type jojnt account t is another account type with $500k FDIC insured. if you add beneficiary it’s another $250k for each beneficiary
锁一年的，也还行
我怎么只有0.1% 的利息？是哪种？
请给个link 找不到啊
https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/ICCRateSheet.pdf