Re: [請益] 關於TD的MMF
上次在TD網站上看到TDA7002.pdf檔案中提到
cash sweep有提供 Money Market Funds的選項
但是我在網頁上並沒有發現這樣內容,我就寫信問Client Service得到回信如下
As of August 8, 2019 TD Ameritrade has discontinued the use of money market
funds as a cash sweep vehicle.
If you are interested in investing in a money market fund, you can buy into
one. We have a list of no-load, no-transaction fee money market funds
available online by going to
Research & Ideas > Mutual Funds > Families. From
there click the Money Market Funds tab on the upper right hand side of the
page.
因為我之前有Fidelity的帳戶,他們會把帳戶資金直接轉到
他們的Money Market Funds (Fidelity Government Cash Reserves FDRXX)
我之前Fidelity帳戶餘額三千八百多,每個月大約給六塊半
以閒置資金來說感覺不無小補 https://imgur.com/a/bJfbu0e
我就把Client service信中提到的Money Market Funds跟FDRXX來比較
看了比較資料嘗試買TRVXX結果購買失敗
去電客服才知道,TD很多Funds有身分條件限制,這必須要去電詢問是否符合購買資格
我不知道有IB或是嘉信的能否分享自己Money Market Funds的狀況,
相較之下TD Money Market Funds這一塊應該可算國際投資帳戶的缺點了
※ 引述《SP500StrongB (標普500十萬點)》之
: 因為在網路上爬文,大部分都是陳年舊文,清一色都是顯示,TD會將您的現金部位自動轉: 入MMF。
: 但是現在TD確是將您的現金轉入
: <FDIC INSURED DEPOSIT ACCOUNT CORE NOT COVERED BY SIPC>
: 以下我們就簡稱IDA,這個IDA有分:
: CORE跟PLUS,差別在於PLUS的利率比較高(資產要連續三天超過1百萬美金才能轉存PLUS: 。)
: 我估計這個帳戶是TD銀行或其他配合銀行的活存帳戶,而非MMF。
: (要是我理解錯麻煩酸我謝謝。)
: 於是我就去查看在TD銷售的MMF,圖片如下
: https://i.imgur.com/3QOoYns.jpg
: 因為有些MMF要是持有低於180天,在你贖回時會收你49.9美金,有些則不會。
: 還有所謂的Tax-Free和Taxable,我目前研究下來,Tax-Free大部分都是持有免稅的市政: 債。
: 那麼對台灣人來說,這些MMF是否都課稅還是是否都免稅呢?還是就像它標示的一樣?: 因為版上關於MMF的文章非常少,所以才發文詢問。
: 至於TD有聲明,MMF是不受FDIC保障的。
: https://i.imgur.com/vw8cT4p.jpg
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爆
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Re: [請益] TD 現金部位的利息對於這個問題我也是挺好奇的,再加上沒人解答我的推文,就寫了信問TD客服 先說結論,後面再附上原文 1.目前的利率為0.35% 2.自從2021年7月起,沒有美國實際地址的人,不再有替代現金的轉存服務 (Cash alternatives),也就是你查到的現金轉去MMF7
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