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樓主: Patsy2009

哪間銀行開兒童儲蓄戶口好？ [複製鏈接]

藍天與白雲

洋房

積分: 58

21^#

發表於 09-2-17 01:34 |只看該作者

銀行就驚佢出古惑招再叫人買derivatives

保險公司就會留心d，近來富通同414財務狀況好似唔係幾穩陣咪避一避囉，都有保險公司財務評級有3A ge，不過俾唔俾佢log 住幾年錢就見仁見智了...

私人傳訊

AC-CityU

民房

積分: 61

22^#

發表於 09-2-19 15:53 |只看該作者

數年前幫個女開左大新, 因有得意gift及入錢卡. 後來覺得放錢係銀行冇so. Then, I used her money to buy investment funds which will provide a much better return to her when she grow up. For long-term investment, I believe that the annualized return will be about 10% per year. hehe

If you don't have time to study the market, you may buy tracker fund (2800) which is also good for long-term investors.

FYI, if you invest on HSI every Jan for the past 10 years (Jan 00 to Jan 09), you will have an average return of 4.28% per year. If you have been investing on the past 20 years, you will have a 8.58% return per year. To my opinion, it is a reasonable good investment for kids.

私人傳訊

bearbear2003

伯爵府

積分: 15121

23^#

發表於 09-2-20 11:35 |只看該作者

Why 東亞每半年可以收100蚊? For standard, 戶口大於1萬, no other change and the interest rate is 0.28%

原帖由 藍天與白雲 於 09-2-12 15:34 發表
渣打一定差，因為息口只有兩種情況:
1) 戶口少於1萬: 每個月唔見1百蚊
2) 戶口大於1萬: 每半年1百蚊冇左
加上息口如果冇優惠都係得0.01%，太低

而東亞你開戶口10元也可以，但每半年可以收100蚊，兼有機會有禮物

基本上所有 ...

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carpisam

男爵府

積分: 7731

24^#

發表於 09-2-21 21:33 |只看該作者

原帖由 AC-CityU 於 09-2-19 15:53 發表
數年前幫個女開左大新, 因有得意gift及入錢卡. 後來覺得放錢係銀行冇so. Then, I used her money to buy investment funds which will provide a much better return to her when she grow up. For long-term inve ...

咁上年蝕左幾多?