嘉信的朋友請注意融資利率 - 理財

請記得跟嘉信申請融資利率match競爭對手IB (或任何一家利率更低的券商)

去年他們給我的是90天LIBOR+1.3% 今年給我的是Fed Funds Target Rate的upper limit

0.25% 加上premium 1.3%

也就是1.55%

不要傻傻地付網站上寫的融資利率利息啊

ps 本金越大/關係越好會越好講話 不變真理

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上次講中文FA坦承他們的margin rate是寫好看的
客戶只要make some noise 他們都會調降利率
(畢竟現在聯邦政府利率那麼低 嘉信要的這利率差可媲美高利貸了
這是我想的 他們不會承認這句)

用網上客服聊天即可 通常需內部審核 所以先要個case number 下次追蹤時方便

You:

Hi

As you may know the Fed fund rate is close to 0% now.
I’d like to have a discounted margin rate applied to my account ending in
xxxx(請帶入帳戶後４位數字) please.

客服： blah blah blah

You: Ok. You can also refer to IB’s margin rate, which is quite attractive
compared to yours. I am actually thinking to move my account there
if your rate remains this high..
https://www.interactivebrokers.com/en/index.php?f=46376

客服：I may need approval on that

You: no problem. Can you give me the case number? I’ll follow up next time.
Thanks, and have a great rest of your day ！


結束


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