家庭理財 今日: 21 | 主題: 46705

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321^#

發表於 17-5-31 00:01 |只看該作者

cwng3 發表於 17-5-30 23:59
Margin is used to leverage your investment so that you can use less money to buy more asset. E.g. ...

Forgot to tell the upside:

E.g. Use 10dollar to buy 100 asset. If your asset is up to 110(10% ), you earn 10 dollar i.e. Double your original investment. That's the sweet part of margin.

Property investment is kind of margin trading in some sense.

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happymama2009

子爵府

積分: 11359

322^#

發表於 17-5-31 09:31 |只看該作者

cwng3 發表於 17-5-31 00:01
Forgot to tell the upside:

E.g. Use 10dollar to buy 100 asset. If your asset is up to 110(10% ), ...

Thanks for your explanation

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lhyv

男爵府

積分: 6755

323^#

發表於 17-5-31 10:34 |只看該作者

Thank you.
If I choose bonds with higher credit rating and expect to hold till the end, risk (default only?) is low?
And thanks for reminder special terms. Is it common to have those special terms?

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324^#

發表於 17-5-31 11:02 |只看該作者

lhyv 發表於 17-5-31 10:34
Thank you.
If I choose bonds with higher credit rating and expect to hold till the end, risk (defaul ...

if you hold to maturity and do not care the movement of bond price, you can think it is risk free. Traditionally we believe US treasury bond is risk free. Now 10y yield is around 2.2% It refer to the risk free rate.
But few things need to consider:
(1) Who said there is no default risk in US gov? Of coz, the US gov can infinitely issue new notes. The side effect of it is the USD will be depreciated. It is another way to "punish" the bond holder. ==> so there is currency risk
(2) opportunty cost: if you believe the rate will hike, you should imagine the bond price will drop later. Why do you want to buy bond now but not after it become cheaper? (fixed rate bond is assumed)

Regarding for the special terms, it start to common in the new bond issued by bank as they need to raise capital but not debt for the new regulation.

I will recommend to read or ask the bond detail before buying.

Sorry I am a very conservative guy, i always look at the dark side......

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bbbusy

水晶宮

積分: 54778

325^#

發表於 17-5-31 14:26 |只看該作者

唔好意思，我以前真係唔知IB同PB是什麽。現在增長了知識，多謝各位叻叻的JM。

請問香港邊幾間私人銀行的開户$的要求最底，大概是幾$？

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積分: 1802

326^#

發表於 17-5-31 14:36 |只看該作者

bbbusy 發表於 17-5-31 14:26
唔好意思，我以前真係唔知IB同PB是什麽。現在增長了知識，多謝各位叻叻的JM。
請問香港邊 ...

if i remember well, hsbc private banking (pb) need usd 5mio. think other banks are lower but still not small amount to me. So IB is the cheapest way to access various mkt.

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kcsp

積分: 4578

327^#

發表於 17-5-31 15:05 |只看該作者

請問如果我冇入美元係戶口, 而用margin例如買入1百萬的美元債券, 除了要付Margin 的利率, 那借美元的利率又是怎樣計算?

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bbbusy

水晶宮

積分: 54778

328^#

發表於 17-5-31 15:10 |只看該作者

cwng3 發表於 17-5-31 14:36
if i remember well, hsbc private banking (pb) need usd 5mio. think other banks are lower but still ...

5百萬美金真是高不可攀。其實有冇門檻低的PB呢？

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積分: 1802

329^#

發表於 17-5-31 15:31 |只看該作者

bbbusy 發表於 17-5-31 15:10
5百萬美金真是高不可攀。其實有冇門檻低的PB呢？

yes there should be. Just do a random search and found below
http://www.scmp.com/presented/business/topics/private-banking-directory/article/1983594/private-banking-listings

Not sure if it is updated but shouldnt be far from it.

But you need to judge if it is worth to open a PB ac before doing it.

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bbbusy

水晶宮

積分: 54778

330^#

發表於 17-5-31 17:57 |只看該作者

cwng3 發表於 17-5-31 15:31
yes there should be. Just do a random search and found below
http://www.scmp.com/presented/business ...

多謝你的資料，原來d門檻都好高呀! 睇黎IB似係users friendly d.

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kcsp

積分: 4578

331^#

發表於 17-5-31 18:10 |只看該作者

回覆 maymaggie 的帖子

請問是否美債, 兌換美元等全是香港夜晚才做到?

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splash

男爵府

積分: 5131

332^#

發表於 17-5-31 18:59 |只看該作者

知多一點
http://gogoldjoe.blogspot.hk/2016/09/blog-post_7.html

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積分: 16297

333^#

發表於 17-5-31 20:42 |只看該作者

bbbusy 發表於 17-5-31 17:57
多謝你的資料，原來d門檻都好高呀! 睇黎IB似係users friendly d.

網上隨便 SEARCH 出來的 PB 門檻是真的嗎 ?
我用了 2 個月時間去十幾間銀行搵經理傾, 發覺真實情況并非如此。

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積分: 16297

334^#

發表於 17-5-31 20:45 |只看該作者

本帖最後由 maymaggie 於 17-5-31 20:52 編輯

kcsp 發表於 17-5-31 18:10
回覆 maymaggie 的帖子

請問是否美債, 兌換美元等全是香港夜晚才做到?

兌換美元任何時間都可以, 照落盤就可以了。

買美債你都可以照落盤, 不過最好係係有市的時間, 你先見到個貼市的價。

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積分: 16297

335^#

發表於 17-5-31 20:50 |只看該作者

本帖最後由 maymaggie 於 17-5-31 20:53 編輯

任何投資都有風險, ( 不投資都有風險 ) , 有人愛投資磚頭,黃金,股票, 債券,外匯......咸魚白菜各有所愛, 不能單看了某一網上文章就大做文章。投資行為自己負責。

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hello1972

積分: 3704

336^#

發表於 17-5-31 21:03 |只看該作者

回覆樓主:

樓主，可以分享借貸利息可以咁低?IB做唔到

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積分: 16297

337^#

發表於 17-5-31 21:56 |只看該作者

hello1972 發表於 17-5-31 21:03
樓主，可以分享借貸利息可以咁低?IB做唔到

樓上已寫: 就是直接行去搵銀行傾。

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extra6b3

複式洋房

積分: 365

338^#

發表於 17-5-31 23:42 |只看該作者

我剛係IB網填哂資料開現金戶口，尚欠交證明文件同支票，我有幾個問題想問呀，謝謝

1. 係咪交左支票但未開始買貨就會收每月$10美金費用？所以唔敢寄支票住
2. 係咪可以開戶後試下模擬戶口實習下再實戰？
3. 我手頭上有少少美金現金，可唔可以直接入IB黎買貨？
4. IB 有無得set每月幾號一手一手買reits 架？好似月供股票咁

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積分: 1802

339^#

發表於 17-5-31 23:58 |只看該作者

maymaggie 發表於 17-5-31 20:50
任何投資都有風險, ( 不投資都有風險 ) , 有人愛投資磚頭,黃金,股票, 債券,外匯......咸魚白菜各有所愛, 不 ...

Exactly, in short high risk high return. Something can provide 10% return, there must be equivalent risk you take. As long as understand what exactly you buy, know the potential downsize and you are comfortable to take the risk, can go ahead to invest.

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