銀行外匯、基金相關問題請教? - 銀行
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By Necoo
at 2013-12-27T14:42
at 2013-12-27T14:42
Table of Contents
1.若手上有外幣(美金、人民幣),暫時不會用到,
所以想存進銀行外幣帳戶裡,
這樣子現鈔存入每個銀行都會扣手續費嗎?
還是有些銀行不會呢?
2. 若外幣帳戶裡有美金,想要領出換成美金鈔票,
這樣子…也是需要收手續費嗎?
是只要有牽涉到”現鈔”就會有手續費產生?
3. 在網銀上操作台幣換外幣的匯率,都會比該銀行臨櫃好嗎?
4. 請問要在銀行交易基金的話,是要開啟投信服務還是信託服務?
5. 最後有個問題請教,上個禮拜去銀行結果被推銷六年期儲蓄險
理專立刻算匯率給我看,他說前六年每年存24290,
滿六年後可贖回151640,接下來可繼續放著,
每年以2.25%複利,
因為第七年贖回是155050
(155050-151640)/151640 約= 2.25%
請問這裡是哪裡有問題呀@@? 利率真的這麼高嗎?
我記得好像有另外一種真正利率的算法才對Q_Q
感謝大家!
--
所以想存進銀行外幣帳戶裡,
這樣子現鈔存入每個銀行都會扣手續費嗎?
還是有些銀行不會呢?
2. 若外幣帳戶裡有美金,想要領出換成美金鈔票,
這樣子…也是需要收手續費嗎?
是只要有牽涉到”現鈔”就會有手續費產生?
3. 在網銀上操作台幣換外幣的匯率,都會比該銀行臨櫃好嗎?
4. 請問要在銀行交易基金的話,是要開啟投信服務還是信託服務?
5. 最後有個問題請教,上個禮拜去銀行結果被推銷六年期儲蓄險
理專立刻算匯率給我看,他說前六年每年存24290,
滿六年後可贖回151640,接下來可繼續放著,
每年以2.25%複利,
因為第七年贖回是155050
(155050-151640)/151640 約= 2.25%
請問這裡是哪裡有問題呀@@? 利率真的這麼高嗎?
我記得好像有另外一種真正利率的算法才對Q_Q
感謝大家!
--
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銀行
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By Andy
at 2013-12-31T07:59
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