国际帐号比较 Charles Schwab vs TD Ameritrade总结

国际帐号 Charles Schwab vs TD Ameritrade比较:
Charles Schwab: 可要Debit Card,帐号至少要$25k,转入不能马上trade,不能买Mutual Fund
TD Ameritrade: 没有Debit Card,帐号额度无要求, 转入可以马上trade,可以买Mutual Fund,比如SWPPX (Schwab)。 注:VFIAX (Vanguard) vs FXAIX (Fidelity) vs SWPPX (Schwab)这3大S&P500 MF,TD只有SWPPX不收手续费。
除了Debit card,TD完胜。

Charles Schwab:This account is restricted from Mutual Fund trading online. Please call +1-415-667-8400 (outside US) or 877-686-1937 (within US) to speak with a registered representative who will assist you with offshore Mutual Fund Trading.

哦哦,这是国际帐号,国际帐号是不是有法律规定不让买mutual fund?

TD Ameritrade的国际帐号也不让买Mutual Fund么?不是
谢谢!
他们又不支持fractional ETFs, 是不是没有办法买整数刀比如$10k一个lot的投资,也没办法auto-reinvest?
谢谢!

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发现另一个限制,转进去的钱不能马上买stock比如VOO
这些都是国际帐号的限制么?
美国国内帐号都没有这些限制啊

别的都是对境外用户的限制
转钱不是,钱还没清账而已

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有客服的,问客服。问完再来分享dp 这边大多的人没国际帐户版本

你要不试试schwab自家的ETF和mutual fund?schx, schb, schk都是类似大盘的etf,schwab有个自家的sp500 mutual fund,但是每年只在年底发股息,长期算下来没有fidelity或者vanguard这种季度发股息再投资好。以前学生时代,交易有手续费的时候都买他家的ETF, 攒下来的钱,50刀,适合穷学生。

啊,转完马上可以trade,只是不能withdraw啊,难道不是所有的默认都是这样规则?
用美国的Fidelity之类就是这样啊,我以为是券商默契规定。

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哦,有什么逻辑么?境外帐号不让买基金Mutual Funds,只能买Stocks & ETFs
另外,TD Ameritrade境外帐号, 果然也是不让买基金。

转钱的话:
从TD Ameritrade帐号pull转入后马上可以买stocks,看来就是Charles Schwab要hold,这个完全没有道理。
这么多年来转入马上可以买已经是深入人心了。。

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谢谢,他们自家mutual fund一样不让买,ETF的话相对Vanguard的VOO这种没有啥优势吧,后者反正也是可以随便买的。
而且他家不支持fractional shares,不像fidelity可以买fractional ETF,真正买$10k就一刀不剩好记。

[quote=“HarryYCS, post:5, topic:92091”]
schwab有个自家的sp500 mutual fund,但是每年只在年底发股息,长期算下来没有fidelity或者vanguard这种季度发股息再投资好。[/quote]

你说的是SWPPX这个吧。也不让买的。
我知道这个啊,VFIAX (Vanguard) vs FXAIX (Fidelity) vs SWPPX (Schwab),3大吧,虽然SWPPX规模小得多大家一般选前面两个。

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请参考次链接
由于很多当地国家的法规限制,很多券商就不做了

Because foreign jurisdictions are unable to regulate investment funds that are not registered in their jurisdiction, most prohibit the sale of foreign [including US] mutual funds to residents living in their countries. This includes overseas US citizens trying to buy investment funds back in the United States. New European legislation called the Alternative Investment Fund Managers Directive (AIFMD) further restricts non-registered funds and is an additional consideration for US Mutual Fund Companies and their distributors. To comply with local laws governing the distribution of, foreign funds, including from the US, a provider must be registered for sale and marketing in foreign jurisdictions which often means increasing disclosure [to regulators and consumers] requirements too.

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谢谢,学习了。

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我得跟我国内亲戚提一下这个事情,从这里学到太多东西,谢谢。

是啊,schwab现在就是用ATM卡,炒股都去fidelity了。

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给不给trade都是券商的权力。给提前trade是客气,不是义务。
时间长了以后,可能就开放给你。

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不是。是你之前用的恰好对你比较好。

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更正下,TD可以买MF的,就是CS稀烂不让。

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TDA之后不是会跟 Schwab 合并吗

什么时候啊?2035年?

“We are mapping out all the different processes, requirements, systems mapping and more,” Tovar said. “Our plan is to begin communicating and getting the integration going from an adviser perspective in the second half of 2022.”
“As far as an actual conversion date, or moving the accounts and assets of TD Ameritrade over to the Schwab platform, we are still targeting that for the second half of 2023,” Tovar said.

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Sc 家不給買碎股voo 達咩