[問題]一千萬只想打敗定存(最好是有4%)該選?
請問若有一千萬投入債券基金 (百分百閒錢,不會動用也沒被迫提前領的問題)
是否能達到類似定存但比定存利率高的報酬
亦即沒有賠錢風險到期確定可領 2.5~3%的年利率(嚴重天災人禍不在考慮範圍)
不好意思,從沒買過基金,也許問題很扯,請包涵。
此外,報酬已經夠低,跟哪個平台買成本最低?
沒有問明牌的意思因為也不靠這賺錢,只求把定存挪到債券基金且報酬率略高的效果
還有一問,買基金有些手續費管理費的成本,若資本夠多,直接買債券會不會比較好?
但債券似乎無法達到分散風險的效果?一定要靠基金多買很多檔債券?
如果你有一千萬閒錢,只求保本且打敗定存有個2.5~3% 該如何處理?
若以債券或債券基金的方式,適合嗎?
若不方便在版上講基金名稱,可否站內信?
謝謝
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