j*e 发帖数: 1987 | 1 有个Roth帐号在Scottrade,有5000多cash从07年下半年起一直没动过,一年多
scottrade才给了几块钱利息,想想要是放到saving里得有好几百利息了。
可惜Scottrade没有money market fund。现在想在scottrade选一个最接近money
market fund的投资产品,请问各位大侠有何推荐。看了看bond fund,似乎亏本的几率
还是蛮大的,worst 3 month return都有-3.x%。
我想找一个基本没有风险,收益又比cash稍高的,请大侠指教。 |
j*e 发帖数: 1987 | |
s********n 发帖数: 1962 | 3 Money market fund return is very low now. It won't give you too much
difference, maybe 10 bucks over half a year.
【在 j*e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 顶一下,请大侠指教!
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j*e 发帖数: 1987 | 4 Scottrade doesn't have any Money market fund, so what's the next?
【在 s********n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Money market fund return is very low now. It won't give you too much : difference, maybe 10 bucks over half a year.
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s********n 发帖数: 1962 | 5 I don't use Scottrade, but I'll be really surprised if they don't
have any money market fund. The next would be short term treasury
bill funds.
【在 j*e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Scottrade doesn't have any Money market fund, so what's the next?
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j*e 发帖数: 1987 | 6 Yeah, that's true. That's Scottrade's trick I think.
Thanks for the answer. Could you nominate a short term treasury bill fund
name and I will check if it's available in scottrade. Thanks again!
【在 s********n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : I don't use Scottrade, but I'll be really surprised if they don't : have any money market fund. The next would be short term treasury : bill funds.
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s********n 发帖数: 1962 | 7 They have a fund screener.
For fund families, you can search for Vanguard, Fidelity, and T Rowe Price.
【在 j*e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Yeah, that's true. That's Scottrade's trick I think. : Thanks for the answer. Could you nominate a short term treasury bill fund : name and I will check if it's available in scottrade. Thanks again!
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c****o 发帖数: 32446 | |
j*e 发帖数: 1987 | 9 Scottrade里的CD至少要10万美元起存。 |
h**********e 发帖数: 34 | 10 scottrade的利息不是2.5%吗? 他们的margin利息是10.5%.
【在 j*e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 有个Roth帐号在Scottrade,有5000多cash从07年下半年起一直没动过,一年多 : scottrade才给了几块钱利息,想想要是放到saving里得有好几百利息了。 : 可惜Scottrade没有money market fund。现在想在scottrade选一个最接近money : market fund的投资产品,请问各位大侠有何推荐。看了看bond fund,似乎亏本的几率 : 还是蛮大的,worst 3 month return都有-3.x%。 : 我想找一个基本没有风险,收益又比cash稍高的,请大侠指教。
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j*e 发帖数: 1987 | 11 No,只有0.x%,下面是我从Scottrade Account History里面拷出来的。
12/31/2008 APY EARNED .10%
11/30/2008 APY EARNED .10%
10/31/2008 APY EARNED .12%
9/30/2008 APY EARNED .20%
8/31/2008 APY EARNED .20%
7/31/2008 APY EARNED .20%
6/30/2008 APY EARNED .20%
5/31/2008 APY EARNED .20%
4/30/2008 APY EARNED .25%
3/31/2008 APY EARNED .25%
2/29/2008 APY EARNED .25%
1/31/2008 APY EARNED .84% |
h**********e 发帖数: 34 | 12 ft, 改了.
貸款餘額 利率
$0.01 - $9,999.99 基礎利率(8.00%) -0.25% = 7.75%
$10,000.00 - $24,999.99 基礎利率(8.00%) - 0.50% = 7.50%
$25,000.00 - $49,999.99 基礎利率(8.00%) -0.75% = 7.25%
$50,000.00 - $99,999.99 基礎利率(8.00%) - 1.25% = 6.75%
$100,000.00 - $249,999.99 基礎利率(8.00%) - 1.50% = 6.50%
$250,000.00 - $499,999.99 基礎利率(8.00%)-1.75% = 6.25%
$500,000.00 - $999,999.99 基礎利率(8.00%) - 2.25% = 5.75%
$1,000,000.00 以上 基礎利率(8.00%) - 2.75% = 5.25%
基本利率是由史考特證券
【在 j*e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : No,只有0.x%,下面是我从Scottrade Account History里面拷出来的。 : 12/31/2008 APY EARNED .10% : 11/30/2008 APY EARNED .10% : 10/31/2008 APY EARNED .12% : 9/30/2008 APY EARNED .20% : 8/31/2008 APY EARNED .20% : 7/31/2008 APY EARNED .20% : 6/30/2008 APY EARNED .20% : 5/31/2008 APY EARNED .20% : 4/30/2008 APY EARNED .25%
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j*e 发帖数: 1987 | 13 研究了一下,找到一个Short term bond fund,PIASX.
我用以下的screen标准在scottrade找到6个fund,只有这个expense ratio最小,
standard deviation最小,收益基本都是正的。从98年到08年10年中只有04年Q2是负0.
28,其他quarter全都为正收益。
在morningstar用类似条件搜索出一些,与在Scottrade搜出的6个只有这个是唯一的交
集。
Scottrade Criteria Used:
Mutual Funds: For Sale At Scottrade: Yes
Mutual Funds: Load Type: No Load
Mutual Funds: Transaction Fee: 0
Mutual Funds: New Investor: = 1
Fund Basics: Asset Class: = Fixed Income
Mutual Funds: Fund Minimum Investment: <= 5000
Fund Basics: Classification: = |
f****t 发帖数: 1063 | 14 how about this one: FLBIX
0.
【在 j*e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 研究了一下,找到一个Short term bond fund,PIASX. : 我用以下的screen标准在scottrade找到6个fund,只有这个expense ratio最小, : standard deviation最小,收益基本都是正的。从98年到08年10年中只有04年Q2是负0. : 28,其他quarter全都为正收益。 : 在morningstar用类似条件搜索出一些,与在Scottrade搜出的6个只有这个是唯一的交 : 集。 : Scottrade Criteria Used: : Mutual Funds: For Sale At Scottrade: Yes : Mutual Funds: Load Type: No Load : Mutual Funds: Transaction Fee: 0
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j*e 发帖数: 1987 | 15 简单看了一下,这个是long term bond fund。 Long term风险比short term大(
Standard Deviation 10.60),波动也更大,当然收益会更高。06,07,08的Q2和06的
Q1都是负1.x%-3.x%收益。相比我这个过去10年只有一个Q收益为负,而且只有-0.x%
我要找最接近cash的选择,所以你这个肯定不是我要的。当然你想买可以买。
【在 f****t 的大作中提到】![](/moin_static193/solenoid/img/up.png) : how about this one: FLBIX : : 0.
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a*********s 发帖数: 4 | 16 不知道现在还有没有人关心这个问题。
最近我才想起来自己的Roth里也有一大笔钱没动过,心疼利息啊。搜到jwe这个帖子后
自己在morningstar也研究了一下,找从2000年以来从来没有亏过的,买得起的、非常
稳定的基金,具体条件是:
(YTD Return >= 1)
and (2008 Annual Return >= 3)
and (2007 Annual Return >= 3)
and (2006 Annual Return >= 3)
and (2005 Annual Return >= 1)
and (2004 Annual Return >= 1)
and (2003 Annual Return >= 1)
and (2002 Annual Return >= 1)
and (2001 Annual Return >= 1)
and (2000 Annual Return >= 1
【在 j*e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 有个Roth帐号在Scottrade,有5000多cash从07年下半年起一直没动过,一年多 : scottrade才给了几块钱利息,想想要是放到saving里得有好几百利息了。 : 可惜Scottrade没有money market fund。现在想在scottrade选一个最接近money : market fund的投资产品,请问各位大侠有何推荐。看了看bond fund,似乎亏本的几率 : 还是蛮大的,worst 3 month return都有-3.x%。 : 我想找一个基本没有风险,收益又比cash稍高的,请大侠指教。
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