BOA preferred deposit是银行存款，FDIC insured，比money market和tbills还保险，这两个会跌亏本没保险 https://www.ml.com/solutions/preferred-deposit.html Security. As a bank deposit product, Preferred Deposit balances are insured by the Federal Deposit Insurance Corporation (FDIC), up to applicable limits.
BOA preferred deposit是银行存款，FDIC insured，比money market和tbills还保险，这两个会跌亏本没保险 https://www.ml.com/solutions/preferred-deposit.html Security. As a bank deposit product, Preferred Deposit balances are insured by the Federal Deposit Insurance Corporation (FDIC), up to applicable limits.
BOA preferred deposit是银行存款，FDIC insured，比money market和tbills还保险，这两个会跌亏本没保险 https://www.ml.com/solutions/preferred-deposit.html Security. As a bank deposit product, Preferred Deposit balances are insured by the Federal Deposit Insurance Corporation (FDIC), up to applicable limits.
楼主家附近是不是有个美国银行的支行，因此就对它就格外信任？可走进那个支行里去问是拿不到的这个利率的。得去美林开个投资账号。开了投资账号后没有财务顾问也不行，还得在美林雇个财务顾问才行，这个顾问不是免费的吧？ Preferred Deposit is a Bank of America bank deposit product offering that you can access through eligible Merrill brokerage accounts. 哪些账号是eligible呢？ It is important to note that for Preferred Deposit and Preferred Deposit for Business, the minimum initial deposit is $100,000. Thereafter, deposits in whole dollar amounts of $1,000 or more and withdrawals in any whole dollar amount may be made by calling your financial advisor. 存钱和取钱还得通过你的财务顾问，麻烦不？ Merrill Guided Investing with Advisor has a management fee of 0.85% and a $1,000 account minimum. Some portfolios, such as their Alpha-Seeking strategies, require a $20,000 minimum. If you qualify for the rewards program described above, that fee drops to 0.80%, 0.75% or 0.70% depending on your total combined balance. https://www.nerdwallet.com/reviews/investing/advisors/merrill-edge-guided-investing
https://www.ml.com/solutions/preferred-deposit.html
Security. As a bank deposit product, Preferred Deposit balances are insured by the Federal Deposit Insurance Corporation (FDIC), up to applicable limits.
楼主可否提供一下BOA活期4.24%的官方链接？
上次在这边看到这个信息，专门去BOA去问了，被告知不是BOA而是和BOA有合作的一个机构，所以直接就pass了
如果fed reserve涨利息，你的t-bill就跌，短期卖了亏钱 这就是为什么silicon valley bank会破产
一知半解好吓人，来来来，你说说bill note 和bond的区别，svb买的是不是tbill
没基本区别，你这种咬文嚼字的书呆子才会计较zero coupon和yield to maturity的书面差别 问这种问题的人本身就是一知半解
这是美林给的，有条件的，
不是普通BOA的saving
普通BOA对于零售客户的saving利息还是很低的
B-bill by definition就是短期的, 4周起跳。你连bill, note, bond区别都没搞懂。
Preferred Deposit is a Bank of America bank deposit product offering that you can access through eligible Merrill brokerage accounts. 哪些账号是eligible呢？
It is important to note that for Preferred Deposit and Preferred Deposit for Business, the minimum initial deposit is $100,000. Thereafter, deposits in whole dollar amounts of $1,000 or more and withdrawals in any whole dollar amount may be made by calling your financial advisor. 存钱和取钱还得通过你的财务顾问，麻烦不？
Merrill Guided Investing with Advisor has a management fee of 0.85% and a $1,000 account minimum. Some portfolios, such as their Alpha-Seeking strategies, require a $20,000 minimum. If you qualify for the rewards program described above, that fee drops to 0.80%, 0.75% or 0.70% depending on your total combined balance.
https://www.nerdwallet.com/reviews/investing/advisors/merrill-edge-guided-investing
BOA saving就是没有
这个不是 BOA的普通saving
完全两回事儿
真傻，fed 涨息，这些长短期 bill notes bond都会·跌，叫什么名字就跟加几号气油一样，自己为很懂汽油， 其实是被汽油公司忽悠了
你真傻，self guided investing就可以开，没有费用 关键是你有10万，没事玩的同学就别来蹭热闹了
存钱取钱是第一次需要和ML联系，然后就可以自己上网操作，自由及时转钱在ML和BOA账户之间
你忧郁症这么厉害，为什么不去找个好男人呢？非要天天来华人网诉苦埋怨骂人？
BoA收购美国最大证卷商美林都15年了，你还以为他们不是一家人？ 这钱是放在BOA存款账户里的， 所以是FDIC保证
tbill 没有default risk，但是有market risk. 你要在seconadary market交易，就跟bond一样有跌有赚
证卷商？
99.9% of all money market funds are safe.
there are higher rate about 4.5%. fidelity, schwab.
太胡扯了，fed涨息，bill notes bonds利率都涨，SVB早期买的十年期bonds会跌就是因为之前利率低，提前赎回就要打折卖
你真的需要基本常识再来发表高见 而且为什么svb买的long term debt会顶不住，跟inverted yield的关联，至少google下吧 网上多的是
你查查什么叫duration 跌幅跟term还有coupon rate有很大关系 oh 最重要的 ratings
你真是一知半解，二手市场这些都是priced in的都一样，利率涨价格就跌，SVB高价卖的bonds利率低，所以现在赔钱，你要提前拿钱bill notes bonds都可能赔钱 你这最基本的道理都不懂
你真搞笑，yield inversion只是指2 year 比10year利息高，就是说未来recession来的利息会降 但是fed涨息，这次2年 10年 30年同往上涨，你拿哪一个都会丢钱 这就是通货膨胀失控和正常recession之间的差别
你显然没有在二级市场经常买卖 丢1%和丢25%是一样的？
T bill是类似于cash的那种存在了，而且短期，不怎么受利率影响的… bond什么的，特别是长期的影响会很大
是的 我叫他去查什么叫duration，还有duration和interest rate的关系 可惜他不听 只在网上骂人
短期tbill hold4周都做不到吗？那cd也没法买啊，时间更久。
确实，现在发现fidelity太好用了，core position的利率高，而且还可以直接当成checking账户来用，直接拿来还信用卡还房贷。vanguard的利率也高，但是好像不能当成checking账户来用？
我有美林的投资帐户，但一直是投资经理打理的，平时自己都不会登录，平时都是boa的checking, saving,利率很低。投资帐户Fidelity的自己更容易操作
专门去问了，是要通过boa 的affiliate Merrill Lynch 建立投资账户来买。首存必须$10万+, 存钱取钱都要通过练习Merrill Lynch的consultant来做。跟普通的银行存款账户还是不一样的。
只有第一次需要advisor， 之后可以自己网上操作了。
能多说说吗？要开哪种fidelity帐户……
你要是4周8周都拿不稳还存个啥，放家里米缸吧
就是普通的brokerage账户