Marcus的12个月CD涨到2.3%了

Marcus的12个月CD涨到2.3%
Online Certificates of Deposit (CDs) | Marcus by Goldman Sachs®

页面下方有10天 CD rates guarantee.
If your Marcus CD account reaches the $500 minimum deposit within 10 days of the day you open your Marcus CD account (opening day plus 10 days), you will receive the highest published interest rate and Annual Percentage Yield (APY) we offer on the Marcus CD product and term you selected during that period, starting on your account opening date and extending for 10 days. This only applies to Marcus branded CD products.

If your Marcus CD account does not reach the $500 minimum deposit within 10 days of the day you open your account, your rate will be the interest rate and APY available for your Marcus CD product and term on the day your Marcus CD account reaches the $500 minimum deposit.

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买联储那个bonds不更多?

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I Bonds有上限电子10,000 纸本5,000(还要有退税才能买),不然真的目前远高于CD

Fidelity 1年的都2.75了
https://fixedincome.fidelity.com/ftgw/fi/FILanding?bar=p#tbcds|treasury|cd-new-issue|all

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美国1年期国债利率2.88%,fidelity查到的。

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买一年期国债跟CD什么区别?
感觉国债还比CD靠谱

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CD买起来比较方便,银行账户就能直接买,或者去券商那里。国债是拍卖机制,散户跟大机构拼,按照拍卖价格计算,最终利率不确定,当然肯定比一般CD高。

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CD 可以让你的账户在银行里面升级啊:joy: 这个时候你就是高级客户了。很多优惠 。
比如
Membership in the Preferred Rewards program requires that you have an active, eligible personal checking account with Bank of America® and maintain the balance required for one of the balance tiers in your combined qualifying Bank of America deposit accounts (such as checking, savings, certificate of deposit) and/or your, Merrill®, investment accounts (such as Cash Management Accounts, 529 Plans). You can satisfy the combined balance requirement for enrollment with either:

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感谢DP :pray:

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可惜F1开不下美林…

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明年这个时候利率很可能都3%+了,CD锁定现在的低利率太坑了。

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说到股票开户,我还真不建议美林,他家不是08年以前的美林。弱的很。
交易股票等

中规中矩界面友好 Fidelity (最近新发现汇款到国内免费)

要免手续玩卡的,Schwab

要万能交易玩花样对的,interactive broker

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:troll: 首先不炒股,开哪家都无所谓

其次现在砖都在boa saving,虽然也确实想转移到别的高利率saving去了,那个75%的返现加成还没100K存saving给的多

现在考虑开一个cs,后面可以申cs白cash out MR

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不懂就问: 为什么这些broker上的brokered cd要比银行自己的CD (e.g. discover) 高出将近一倍啊? 我想应该不是broker搞慈善吧:smiley:

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不是brokered cd搞慈善,是银行CD坑小白 :yaoming:

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一般买多少cd

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先买一年的,明年在买成3%的

我最近研究了一下发现相比savings, cd, 最佳选择是brokered treasury bills/bond. 1. 安全系数高。美国政府的信用担保。 2.利率高。半年2.8% 一年 3%。3.收益免州税。在纽约这相当于多了0.2%的利息。4.容易提前套现,损失不大。ask/bid损耗不超过0.1%. 5. 选择多。各种期限和maturity date可供选择。我对比了一下new issue和二级市场流通的bond,发现二级市场能找到更好的deal。在fidelity上面购买非常容易,操作便捷。不要去treasurydirect上买。那里把i bond买满就好了。

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nra也可以买吗 :yanjing:

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能举个例子么,在Fidelity买的是Treasury bond ETF还是啥?Ticker symbol是?