t****1
发帖数: 3 | 1 大概1w多吧，暂时用不到
要不要寄回去换成人民币？
小白不懂求问 | c*********7
发帖数: 19373 | 2 不嫌麻烦就倒回去，估计来回周转手续费就把差价吃掉了。找个reward checking 也有
4%的利息。 | j***a
发帖数: 832 | 3 It depends on when you will need the money.
Right now, the currency appreciation is about 5% per year. 3 year interest
rate is 5.25%?, if he can let the parents buy the 5yr bonds, it will be even
higher (6.15%). no tax on interest. (Note, One differenct is the interest
calculation: here we say APR, but in china, 5yr 6.15% means, you get 6.15%*5
interest after 5 years.so china's 6.15% equal to 5.4% here.). So it is over
10% every year.
If you need safety and don't need the money for 5 years, send it back to
china. Otherwise, I perhaps will put it in ROTH IRA (this year 5000 + next
year 5000), in inflation protected bond fund. If you need it for emergency,
you can get the contribution without penalty (after 5 years or immidiately I
forget, ask the representitive)
【在 c*********7 的大作中提到】
: 不嫌麻烦就倒回去，估计来回周转手续费就把差价吃掉了。找个reward checking 也有
: 4%的利息。
| t******n
发帖数: 6861 | 4 1W多还不够折腾的
【在 t****1 的大作中提到】
: 大概1w多吧，暂时用不到
: 要不要寄回去换成人民币？
: 小白不懂求问
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