美金用途及轉移 - 理財

By Zanna
at 2023-07-06T09:04
at 2023-07-06T09:04
Table of Contents
美金29~30元時,買了一些美金在玉山做定存
因為有新資金活動,所以利息還不錯
不過這個銀行帳戶就只有存款而已
購買美股複委託的外幣帳戶在另一家銀行
如果我想要把這些美金拿去複委託美股
因為要匯款手續費,是否很不划算?
整體金額也不大,幾十萬(台幣等值)而已
或是領出現鈔再存到他行,會比較省嗎?
還是就繼續定存?或是換回台幣獲利?
現在不太確定要怎麼處理這些美金
/////////////
另外就是家人有約20萬的美金
他完全不懂,在一年前,就把整筆20萬美金,一次做一年期的定存,利率好像才3.7%左右
想到他會被扣補充保費,我為他心痛...
現在他的定存即將到期了!
我該建議他怎麼做呢?
目前是存在富邦
像這樣比較大額的資金,是否匯款到其他銀行以新資金做定存,會划算很多?
但因為該資金未來有共同買房的需求,代書說金流最好要簡單,不要移來移去的
重點是一定要分多筆承作,每月領息...
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理財
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