新手想請教複委託與外國券商差異 - 投資
By Elizabeth
at 2020-10-28T23:19
at 2020-10-28T23:19
Table of Contents
各位好,小弟在投資方面是菜鳥一名
之前只有固定投資一些基金
最近想把獲利已經停滯下來的部分基金,轉過來投資一些美股的標的
雖然有先嘗試作一些複委託與券商的功課,但怕有認知上的錯誤
所以想向板上各位前輩請教兩者的差異
小弟努力翻了一些文章,兩者主要的差異似乎是在於一些費用上的收取
複委託是在每一次買、賣的時候,台灣的銀行端都會收取手續費
大概是0.3~0.5%,然後最低額可能是30-35美金
另外費用就是交易所費+TAF費用(這部分數字很小所以可以忽略)
再來就是如果有配股利,美國那邊會抽30%的稅金
而外國券商則是在買賣的時候,不會收任何手續費
(以FT為例是持有<30天內)
但使用前必須要先電匯金額過去FT的帳戶
這部分台灣的銀行端會先收取電匯費用(例如800台幣)+中間銀行的手續費0.05%
然後投資者就是用匯過去的額度來進行股票操作
(這時買賣都無需手續費)
但是,如果要把獲利從美國FT的帳戶取回來的時候
FT本身會先抽35美金的手續費,然後跟前面一樣有類似的電匯+銀行手續費
所以兩者在使用上的差異應該是在於
1.如果用台灣券商複委託,就不適合單次小額度頻繁地買賣進出
因為都會抽手續費,如果最低費用是35美金來計算的話
等於一次至少要以7,000美金為單位來交易,才不會浪費手續費這樣
但相對的就沒有來回電匯跟中間銀行的手續費
2.如果使用美國券商,費用則是主要產生在來回電匯上
因此在投資時,主要就是降低電匯的次數
(等於說提高每一次電匯的金額)
而匯回台灣時,券商每次會額外再收35美金的手續費這樣
所以說,假如不頻繁操作,每次單筆都用較高金額下單
買賣也不頻繁的話(減少手續費的消耗)
在這種情況下,複委託跟美國券商之間,就不會有太大的差異
但如果每一個標的下單的金額較低,買賣次數較頻繁
那就應該要去開一個美國券商會比較能夠減少中間費用的消耗
不曉得這樣的認知有沒有哪裡錯誤呢?
再麻煩各位幫忙解惑了,感謝各位前輩QQ
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投資
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