Re: [請益] 為何不直接買美債 反而去買台股美債etf?
原文恕刪~
我覺得被當盤子程度分別是(由最盤到最不盤,純論手續費)
買債券基金>跟銀行買直債>跟券商買直債>買國內ETF=複委託買國外債
券ETF>開海外券商買直債或ETF....
我理解有人囿於語言限制或怕海外遺產問題而不選擇海外券商,但就算要給國內通路賺手續
費買安心,也應該是要跟券商用複委託買直債(不要跟銀行買)或買國內ETF,券商價差不只
比銀行小很多,也沒收每年的信託管理費,所以跟銀行理專買直債的,就純粹是自己不作功
課被當白痴削而已.....
另外我覺得最盤的,莫過於買國內債券基金
例如以最近理專狂推銷的<復華a級債券傘型基金>為例,該基金DM如下:
https://i.imgur.com/89ioG51.jpg
純買A級債這種無腦策略,第一年就跟你收2.5%/3.5%手續費,然後接下來每年收0.5%,提前
買回還跟你收1%收續費,這不是盤什麼是盤
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※ 編輯: Realism (27.51.41.91 臺灣), 10/28/2023 16:05:41
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00751b總管理費才0.26%,相對於國外債券ETF已經算很高的
結果復華這檔基金第一年跟你收10倍的管理費,簡直把臺灣人當白癡,
偏偏很多人看那精美的文宣DM或話術就安心將大把鈔票貢獻給基金公司了
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這更彰顯復華收取如此高額管理費的不合理性
※ 編輯: Realism (114.39.110.136 臺灣), 10/28/2023 17:37:36
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