同學
Mike跟Joe才收你7000...
讓小弟來整理一下
[海外券商]
1. 手續費較便宜 甚至有像Robinhood這種完全免手續費的券商
一般券商來說目前大約3~5 usd
2. 可以直接買賣OTC股票 (複委託不行)
3. 消費者可以很清楚的知道券商是否有在SIPC / FDIC的保護傘之下
4. 有些海外券商提供0成本的ETF
5. 海外資產會回會有額外的成本 ( 20~50USD )
6. 你的家人必須了解如何跟海外券商溝通 取回遺產
[複委託]
1. 手續費較貴 通常是0.15% ~ 0.2% 低消大約12+, 看你的交易員怎麼給
假設一次交易30萬台幣 單次交易手續費是 300000 * 0.15% = 450 NTD = 15USD
2. 不可以買OTC股票
但是以富邦為例: 目前富邦證券複委託可交易之海外股票包括美國、香港、日本、英國、德國及新加坡等國家。
(資料來源:
https://www.fubon.com/securities/stock_fund/004sbroker001.htm )
3. 消費者可能要自己去搞清楚你的台灣券商 到底是委託哪個美國券商交易股票
因為這會影響到你的SIPC/FDIC額度上限
4. 如果你突然升天了 你的家人可以委託台灣券商 無痛處理遺產
以Mike的68檔股票為例
只計算買進 畢竟巴班是buy-and-hold策略
一檔股票三五年才賣一次 忽略比較好計算
海外券商交易成本: 5 USD * 68 * 30 = 10200 NTD
複委託交易成本: 300000 NTD * 0.15% * 68 = 30600 NTD
價差大約2萬台幣
這是本金2000萬計算
若您的本金是1億台幣
則海外券商交易成本是: 10000 NTD * 5 = 5萬台幣
複委託交易成本是: 30000 NTD * 5 = 15萬台幣
價差會來到10萬
如果我有1億身家
我不會介意花10萬買個方便
最後有一點值得一提
TD這家券商感覺蠻特別的
除了SIPC之外
他還提供了額外的保障:
[這個是SIPC 基本的]
TD Ameritrade, Inc. is a member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure is available on request at
SIPC.org
[TD透過倫敦再保, 額外提供了等值149.5 million的資產保障 還有2million的現金保障]
Additionally, TD Ameritrade provides
each client $149.5 million worth of protection for securities and $2 million of protection for cash through supplemental coverage provided by London insurers. In the event of a brokerage insolvency, a client may receive amounts due from the trustee in bankruptcy and then SIPC. Supplemental coverage is paid out after the trustee and SIPC payouts and under such coverage each client is limited to a combined return of $152 million from a trustee, SIPC and London insurers.
The TD Ameritrade supplemental coverage has an aggregate limit of $500 million over all customers. This policy provides coverage following brokerage insolvency and does not protect against loss in market value of the securities.
資料來源:
https://www.tdainstitutional.com/account-protection
這邊我真的是推薦TD這家券商 ( 我是愛用的客戶 這不是葉配 XDD )
因為如果你跟我一樣經歷過2008
你應該不會對以下這則新聞陌生:
https://www.forbes.com/2007/11/12/etrade-mortgage-update-markets-equity-cx_er_1112markets24.html#7a6434ad1384
Is it going from bad to Chapter 11 for E*Trade Financial ?
On Monday, shares plunged
54.5%, or $4.68, to $3.91 in midday trading, after a Citi Investment Research analyst said the online brokerage could face bankruptcy. Late Friday,
E*Trade warned investors that its write-downs will be larger-than-expected in the fourth quarter.
http://finance.creaders.net/2007/11/14/761950.html
ETrade突发危机投资人何去何从?