關於現在是債券的買入時機嗎? - 投資
By Dinah
at 2023-01-19T22:35
at 2023-01-19T22:35
Table of Contents
※ 引述《apple960164 (工具Ren)》之銘言:
: 大家好,因為今年富邦複委託有免低消優惠,所以想把FT的錢匯回來了
: 想說可以定期定額美股,手續費也比之前永豐開的便宜。
: 但匯回來要手續費,營業員碰巧跟我說如果匯回來的錢,有購買任一筆債券的話可以免除
: 富邦銀行這邊的匯入手續費,也開始有考慮想要買入債券。
: 關於債券,目前殖利率是倒掛狀態,長債利率反而不高,但營業員跟我說,現在的長債幾
: 乎是這幾十年來的低點,不管是要買入鎖利息,或是賭降息的時候,長債有上漲的空間。
: 但長債最危險的就是對利率的敏感度很高,雖然美國目前應該是升息放緩了,但時間越長
: ,
: 於是他也推薦我可以買短債,既比定存利率高一些,波動也小,聽起來好像不錯。
: 不過我最怕的是,我的債券到期之後,剛好是低利率的狀態。
: 股市可能已經上漲一波,而債券也因為低利率的關係價格上漲,殖利率降低。
: 變成我債券到期的這筆錢進退維谷。
: 雖然我是很喜歡債券那種放到期似乎就不會賠錢的感覺。
: 但還是不知道目前債券還有什麼未知的風險,畢竟我之前在113買TLT,跌到108的時候停
: 損?
: 期間還跌到9X元,現在又彈回我的停損價108左右了...
: 與其買債券ETF一樣在追價差,其實有穩定賺錢我滿喜歡的。
: 目前大概有三萬美左右
: 想購入兩萬美的2年到期債券,殖利率4%,當作比現金更好的地方放著
: 再買一張7年的中短期債券,殖利率也是4%左右,看可不可以稍微賺一點降息之後的價差
: 。
: 本人目前28歲,原本是打算定期定額VT的,結果在2022年10月停扣且把庫存都停損了..
: 還把台幣全部換了32的美金,註定就是大韭菜
: 想請問,這樣債券的配置適合我嗎? 有什麼盲點或風險我沒注意到,大家可以一起討論,
: 謝謝。
認識的朋友他有跟券商買高特利的直債
16年的長債目前約5.8趴的利率 bbb投資等級
公司是世界最大的菸草商
於1919年成立,總部設於維吉尼亞州里奇蒙,主要經營菸草產品之生產及銷售業務。旗下
設有香煙產品、無煙產品、酒品等事業體。主要供應萬寶路品牌的香煙、Black & Mild
brand品牌的雪茄,以及無煙產品之Copenhagen與Skoal、Red Seal及Husky品牌。公司銷
售Chateau Ste. Michelle、CVilla Maria Estate之葡萄酒。
486的頻道也有推薦直債的債券梯
裡面也有高特利及英美菸草
菸酒這類產品算是長銷且有上癮性
公司產業算是傳統產業 也有股票上市
如果有研究的朋友也可以討論
--
: 大家好,因為今年富邦複委託有免低消優惠,所以想把FT的錢匯回來了
: 想說可以定期定額美股,手續費也比之前永豐開的便宜。
: 但匯回來要手續費,營業員碰巧跟我說如果匯回來的錢,有購買任一筆債券的話可以免除
: 富邦銀行這邊的匯入手續費,也開始有考慮想要買入債券。
: 關於債券,目前殖利率是倒掛狀態,長債利率反而不高,但營業員跟我說,現在的長債幾
: 乎是這幾十年來的低點,不管是要買入鎖利息,或是賭降息的時候,長債有上漲的空間。
: 但長債最危險的就是對利率的敏感度很高,雖然美國目前應該是升息放緩了,但時間越長
: ,
: 於是他也推薦我可以買短債,既比定存利率高一些,波動也小,聽起來好像不錯。
: 不過我最怕的是,我的債券到期之後,剛好是低利率的狀態。
: 股市可能已經上漲一波,而債券也因為低利率的關係價格上漲,殖利率降低。
: 變成我債券到期的這筆錢進退維谷。
: 雖然我是很喜歡債券那種放到期似乎就不會賠錢的感覺。
: 但還是不知道目前債券還有什麼未知的風險,畢竟我之前在113買TLT,跌到108的時候停
: 損?
: 期間還跌到9X元,現在又彈回我的停損價108左右了...
: 與其買債券ETF一樣在追價差,其實有穩定賺錢我滿喜歡的。
: 目前大概有三萬美左右
: 想購入兩萬美的2年到期債券,殖利率4%,當作比現金更好的地方放著
: 再買一張7年的中短期債券,殖利率也是4%左右,看可不可以稍微賺一點降息之後的價差
: 。
: 本人目前28歲,原本是打算定期定額VT的,結果在2022年10月停扣且把庫存都停損了..
: 還把台幣全部換了32的美金,註定就是大韭菜
: 想請問,這樣債券的配置適合我嗎? 有什麼盲點或風險我沒注意到,大家可以一起討論,
: 謝謝。
認識的朋友他有跟券商買高特利的直債
16年的長債目前約5.8趴的利率 bbb投資等級
公司是世界最大的菸草商
於1919年成立,總部設於維吉尼亞州里奇蒙,主要經營菸草產品之生產及銷售業務。旗下
設有香煙產品、無煙產品、酒品等事業體。主要供應萬寶路品牌的香煙、Black & Mild
brand品牌的雪茄,以及無煙產品之Copenhagen與Skoal、Red Seal及Husky品牌。公司銷
售Chateau Ste. Michelle、CVilla Maria Estate之葡萄酒。
486的頻道也有推薦直債的債券梯
裡面也有高特利及英美菸草
菸酒這類產品算是長銷且有上癮性
公司產業算是傳統產業 也有股票上市
如果有研究的朋友也可以討論
--
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