m*****y
发帖数: 857 | 1 it is reliable. the problem is that their high APY may be gone overnight |
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a*****s
发帖数: 3643 | 2 【 以下文字转载自 Money 讨论区 】
发信人: airways (Good Luck to Me), 信区: Money
标 题: Reward Checking or BOND ETF?
发信站: BBS 未名空间站 (Sun Mar 21 00:38:06 2010, 美东)
工资攒下的钱，一年3万吧，过几年（>3）买房. 想问一下是存
Rewordchecking(APY=4.1)合适还是买BondETF (LQD,HYG)合适? BOND我会在Roth IRA里
面买. 谢谢！！ |
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K****D
发帖数: 30533 | 3 Just did a calculation, since I started investing on 04/11/2005,
my accumulated yield is -5.78%, or -2.48% APY, 555555555.
S&P 500 yielded -0.6% in the same period, excluding dividends. |
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K****D
发帖数: 30533 | 4 He doesn't need 几百万倍的利润.
He was already a millionaire in 1962. That means a mere 47000
times gain in 47 years, or 25.7% APY. |
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K****D
发帖数: 30533 | 5 As long as volatility is considered in evaluating the performance,
I don't know why asset size matters.
If with two dollars, you have a constant way to earn stable 150% APY
(instead of 150%, -50%, +300%, -75%), then it's a good strategy. |
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m****u
发帖数: 229 | 6 >如果是交易股票的话能马上卖出去么 卖出去了钱是以什么形式存在
I dont understand your question.
If the price of stock is hit, then your shares of that stock will be sold
and the amount of cash will be in your Roth IRA account.
When you have your yearly contribution amount (i.e. $5000 USD) sent to your
Scottrade Roth IRA account, Scottrade will just hold it as cash and will
also pay you a very very low interest (i.e. 0.01% APY). If I remember
correctly, if at this time Scottrade failed (yep, like how banks fails and
FDIC jumps |
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m****u
发帖数: 229 | 7 Just by reading from OP, I can tell that someone didn't do their homework to
look around, not even go to a bank's web site.
If one would offer a m.rate of -100% APY, who wouldn't love it?
So, I dont really blame OP from asking this 3.1% rate. |
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K****D
发帖数: 30533 | 8 This "extended length of time" before the leaves drop to the
ground significantly dragged down the APY rate from what a value
investor would like to see, which means even if he is able to
get things right 67% of the time, he would only beat the index
by 30% or 50% at the end of 30 years. (All numbers for illustration
purpose only)
The information gathered, the effort spent, the patience
contributed are hardly rewarded by this mere advantage. |
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K****D
发帖数: 30533 | 9 问题出在"假设增值一倍"。That's about 4% APY, almost as bad as an annuity.
For a 30 year long term investment there is no reason to be this low.
此外，for most people, they will receive social security income (maybe
around 20k/yr) which is ordinary income.
再次，if your current income is 100k, it might just be OK to max out
401k now. More than 50% people out there are not in 28% tax braket or
higher.
最后，the rate you cash out 401k after retirement is a little bit high.
Studies show you can cash out 4% every year a |
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t*m
发帖数: 4414 | 10 too risky. buy even shorter term bond eft/funds
I think you just go with
iGObanking.com - 2 yr national high yield CD
APY
2.25%
trading
即可 |
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w******g
发帖数: 82 | 11 你要是不买ETF的话选择余地就大多了。仅mutual fund来说就有很多种,beat APY 1.5%
简直是轻轻松松的。 |
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j*******1
发帖数: 2045 | 12 1.5万算是个小钱。弄个reward checking吧。4% apy。就是每个月多刷几次卡。 |
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c*******z
发帖数: 604 | 13 你忘了最后一年的返钱(如果每年都返的话），最后的cash flow是 121,000
售拿APY说 |
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f*****g
发帖数: 15860 | 14 i know, lol, i have 5 or 6 such reward checking accounts, and i do a lot
small trans every month. i normally do 3 separate check outs at grocery
stores with their self-checkout machines.
well, in the end, we get freebies, right? better than leaving them in some 0
.5% APY accounts, hehe. |
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f*****g
发帖数: 15860 | 15 2+ years, and 5-6 accounts, $100K+ overall, i don't really feel sick, hehe.
again, it's just a matter whether you can get used to it. for example, even you
don't do this, you still wipe your credit cards X times/month, not much diff.
at all. for 1 ACH requirement, i just set up auto trasnfer between banks,
$10/month, took me 2 minutes at most.
in the end, i myself feel those little hassles are worth $4K/year (4% APY). i
understand ppl feel easier with CD, but without good rate now, we still need... 阅读全帖 |
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f*****g
发帖数: 15860 | 16 like i said, it's small money and won't make us rich, for me, $4K/year only,
still meat, hehe, better than having 100K "idle" in some 0.5% APY account. |
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a******g
发帖数: 1538 | 17 俺01年买的i-bond还压在枕头底下，68.52% in 10 years ==>5.3% apy |
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K****D
发帖数: 30533 | 18 I just checked my Vanguard account, the 3-year return is stated as an
"Annualized personal rate of return". So it is indeed APY.
mid-
the
annual
Vanguard account for less than 4 years. My total invest return is about 62%.
How can I have only 10% annual return? |
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K****D
发帖数: 30533 | 19 "50% mostly in late 2008." That explains all.
Trust me, pure DCA from mid 2007 till now has NO WAY of getting 30% APY.
I am just too lazy to compute. But I have been doing YTD weekly show off
for the past 5 years, so I know how the numbers should look like.
Think about it this way: if you were doing DCA, you will only have about
10% of your money contributed at the "good moments" -- late 2008 till
early 2009. The rest 90%, at not so attractive prices. Sure, it still beats
lumpsum in the middle o... 阅读全帖 |
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J******s
发帖数: 913 | 20 I agree. How about from mid-2008 to now? I guess 20%+ APY is very possible.
BTW, my market timing was successful. I can sense when to reduce risk and
switch to bonds. |
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w****n
发帖数: 1737 | 21 I agree with you,
there is no way DCA can get such high APY. |
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m****u
发帖数: 229 | 22 TodayEscape,
What do you mean by "ibond才0.74%现在，估计最高的时候也不会超过5%."
Did you mean the fixed interest rate + inflation rate together = 0.74%?
I somehow feel that you didn't calculate it correctly or didn't express your
meaning correctly.
If you buy ibond on May 31, 2011 and sell it on May 1, 2012, the interest
for this period should be at least 2.51% APY. This is about the same rate
for a 5 years CD but it's a 11 month CD.
I remember during the time when gas price was over $4 in 2008, the ibond
inter... 阅读全帖 |
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m****u
发帖数: 229 | 23 I c. You did pretty good. You did what an avg ibond buyer would do.
But based on your post, I found that I may know something that you dont
already know. My money is in ibond now, so I went a bit deeper to find
the
rate before the rate is posted on treasury site.
iBond's inflation is mainly based on Labor Dept's March and Sept number.
It's April now, if one cares about ibond so much, one would look into
Labor
Dept's March numbers and then calculate the rate before the rate can be
found/ displaye... 阅读全帖 |
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m****u
发帖数: 229 | 24 I dont know the Spet 2011 number. I only know the rate for the first 6
months, but this is not hard to assume the second 6 months rate to be 0.
take the number / 2 is the WORST CASE and it is 2.51% APY.
I dont need to be God to know the WORST CASE. But God would know the rate
for the second 6 months.
I think I did the best for what a human can do. |
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T*********e
发帖数: 9208 | 25 assuming the rate is 0 in the second 6 months, you save a little over 11
months,you will get
(1+.046/12)^6-1=2.3%
assuming you can get a similar deal right away, and use your momey
effectively in the same manner for the whole year, the apy is 1.023^12/11-1=
2.507%
you have to time your deposit, and make sure it was and it will be
reinvested without any gap, which i think is almost impossible.so the real
apr is probably still gonna be 2.3% without knowing the rate in the second
half
of the year.
... 阅读全帖 |
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K****D
发帖数: 30533 | 26 Long term I don't know. Long term predictions are mostly 50-50
lottery.
When I first touched stocks I remember someone in stock board said
NXG will gain 100% APY for the next 3 years. And people had every
reason to believe so. it is gold mining for christ's sake.
That was in 2005/6. Guess it didn't happen. |
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x******x
发帖数: 1903 | 27 APY fix 12%前3年
3年后有公式计算利率，最低0，最高20%
20年到期，银行可以赎回，赎回前可以二级市场卖掉。
一般是BOA,Morgon Stanley，Chase等银行发行的债券notes
没有FDIC，银行倒了投资拿不回来
有没有同学买过？听上去不错啊 |
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J**S
发帖数: 25790 | 28 想暂时歇歇，不炒股票了，账户里的钱这么放着，没利息。
请问有什么APY比较高的， SAVING/CD可以存的吗？希望没有风险，本金固定的那种。
我用的是FIDELITY
谢谢。 |
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k***n
发帖数: 3158 | 29 yes, have been all cash since May in my 401K
only index funds available there
but ER is very low and the cash account pays about 3-4% APY
I actually took a loan of most money from 401K last year
and bought gold |
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d*********2
发帖数: 48111 | 30 never get the point of such saying.
a simple math. suppose ur investment apy is Y%. ur total amt to IRA in one
year is A, then x years later, the expected return is
A * (1+Y%)^^x * T%
T% is the marginal tax rate.
so, the only difference comes from the tax rate.
while u won't expect a constant Y%, and Y% could be negative. traditional
beats roth in any range when Y% is negative, i.e. in possibility, more yield. |
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P**********e
发帖数: 543 | 31 来自主题: Investment版 - 35万美元 35万美元不换人民币，等几个月银子跌倒17，8左右买入，20000oz,再过两三年，最多
五年，银子涨到60到80卖出去，卖个70的平均价1，400，000变millionare了，31-150%
投资回报。
我记得中国是定息，没有每年利滚利 （APY)，利息5.5=3.9 |
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K****D
发帖数: 30533 | 32 2011 APY (all accounts):
-5.91%
S&P: 0.00% (excluding dividends)
Horrible December. Lost 3.4% to index (-2.6% vs +0.8%).
I only traded a couple of times in 2011 (excluding 401k contribution),
and I was trying to mimic indexing. But obviously my portfolio
sucked... |
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s********y
发帖数: 3811 | 33 bayclays online saving. 1.0% apy |
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g***s
发帖数: 3811 | 34 but it is the most safe way.
for CD, you can choose Ally.com 5 yr CD, 1.59% APY; the early withdrawal
penalty equals 60 days' interest. |
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S**C
发帖数: 2964 | 35 Some online saving accounts pay you 0.7-0.8% APY. |
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y****i
发帖数: 778 | 36 FNBO Direct Online Savings 0.85% APY. |
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r****t
发帖数: 10904 | 37 政府还不许贩毒呢。你通篇假设都有错。理由也是自欺欺人。
对绝大多数人来说退休以后没有了收入，实际税率会比现在marginal 税率低很多，所
以roth 401k 基本一定会吃亏。另，如果到时税率高，那我收入应该也高而没有经济问
题。
8%收益是如何来的？spy 近10年能有 4% apy 么？
对于个人来说，利率其实是很低估的，否则大家都不会贷款了。也就是说通胀实在是太
低太低了。 |
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r****t
发帖数: 10904 | 38 政府还不许贩毒呢。你通篇假设都有错。理由也是自欺欺人。
对绝大多数人来说退休以后没有了收入，实际税率会比现在marginal 税率低很多，所
以roth 401k 基本一定会吃亏。另，如果到时税率 tire 高，那我收入应该也高而没有
经济问
题。
8%收益是如何来的？spy 近10年能有 4% apy 么？
对于个人来说，利率其实是很低估的，否则大家都不会贷款了。也就是说通胀实在是太
低太低了。 |
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z**********3
发帖数: 11979 | 39 emergency fund存外面online saving acc 有.8-1%的apy
现在想转去fidelity的promotion拿些mileage有没有什么收益类似的fixed income产品
park 一年左右? |
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a******t
发帖数: 134 | 42 来自主题: Investment版 - 给点建议吧 I currently have some savings, in the $50-80k range. I only have a savings
account, with 1% APY. For a beginner, what would be some good ways to invest?
I'm looking for investments that 1. have higher return (basically to keep up
with inflation) and 2. relatively low maintenance.
I also really want to find ways to lower my taxes.
Living in the Silicon Valley. Home prices are crazy and inventory is very
low. So buying a home is not very likely in the near future. |
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i******m
发帖数: 818 | 43 mango money bank 6% saving up to $5000*3accs/person. so for a family, you
can get 6% APY for up to $30,000 |
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l*****o
发帖数: 26631 | 45 求推荐一个有保险， 高利率，服务不错的online saving account， 希望没有管理费
，转账方便。
另外, 34个月的CD, 2%的APY， 大家觉得还可以么？值得存吗？
多谢！ |
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t******g
发帖数: 937 | 46 【 以下文字转载自 Money 讨论区 】
发信人: tayshung (tayshung), 信区: Money
标 题: 问个国内P2B投资平台的问题 有人用过吗（利息高达15%）
发信站: BBS 未名空间站 (Wed May 20 15:12:24 2015, 美东)
昨天跟室友聊天，谈到国内的融资成本高（看余额宝的APY就知道了）。然后他讲他有
在国内买P2B的理财产品，简单来讲就是中小企业用他们自己的资产抵押借钱，地方政
府来担保。利率非常诱人，有15%。
初看之下这个利率有点too good to be true。不过仔细捋捋企业的成本，还是说得通
的，毕竟国内的金融业还不够发达，企业从银行很难借到钱的话，只能搞民间借贷，两
分利三分利（月利息2－3%）的都很常见。而另外一方面，对于投资者来说，这些是有
抵押的借款，贷款质量/违约率应该比lending club上面的要好多了吧。
我查了下，国内好像现在还没什么大的公司牵头在做，只有些不太有名的公司背靠政府
部门在搭建平台。比如我室友入的那个，平台背后公司的注册资本才1000万。所以想问
下大家，有谁投过类似的产品吗？大... 阅读全帖 |
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C********9
发帖数: 670 | 47 UPDATE 1/28/2016: No longer available |
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S*****i
发帖数: 610 | 48 笑死人了
还问有没有区别
区别就是
$5500 同样6.8% 利率
如果学贷一年还清 每月还 $475.39 总共还$5704.68
投资 一年会获得$5885.88
如果没有这5500，每月贷款的minimum 都还不上，那还投什么资
说到楼主具体情况
如果楼主欠款大于$5500，还没有能力投资达到APR 0.68% , 也就是APY 7%
就无脑还贷款去 |
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w*********6
发帖数: 544 | 49 18% APY, 用72定律，4年翻番，复利(Compound yield)收益惊人
50年是2的12次方4096再多+118%
10W * 4096 *(1.00+18%) = 0.5 billion |
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f*********s
发帖数: 3525 | 50 存这个CD还不如直接放在discover savings里，随时可以取来用做其他投资，APY有1% |
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