i - bond 認購費用

其實呢篇真係冇乜時間準備 (呢排有d忙), 本來想證明埋i-bond既theoretical price 同埋佢接近0既風險, 遲d補番數啦!

雖然今次每人認講到大約兩手左右, 但都有一定吸引力!今次講講認購佢既費用

好! 前排有d師弟問: 喂~我冇本金wor,點認購呀

如果師弟知道ipo認購既system ,就應該聽過margin呢樣野, 就以HSBC為例:

Loan interest rate

1.8% p.a.

Maximum % of total application amount HSBC can finance

90%

Subscription Period

04 June 2013 09:00 to 13 June 2013 14:00

Issue Date

24 June 2013

Minimum loan amount

HKD 50,000

Cut off for loan application

11 Jun 2013 6:00 p.m. or when the Bank's maximum loan limit has been reached.

假如我要申請6手 (i.e. 60,000), 做90% margin 即係問hsbc 借 $54,000 , 而你需要存放係bank acc. 既本金只係 $6,000, 而利息就會係 $54,000 * 1.8% *11/365 = $29.29

當然hsbc收費會比較高少少,

所以本人用左永豐(WF)去抽: 0利息, 100% margin, 交易費=3.68 意思即係我唔需要任何本金

而最後,假設我抽到兩手, 而首日上市ibond場外價格為 104.5

HSBC: Profit= 450*2 - 29.29 = 920.71
WF: Profit = 450*2 - 3.68 = 946.32

另外一提, 假若係WF真係中左兩手,24/6/2013 要準備$20,000, 如果唔係會收你三日息(因為T+2), 不過WF都係收多你10蚊.

只需要付出少許時間同埋十幾蚊, 就可以穩袋幾百蚊, 對於我地呢d窮等人家黎講, ibond不可不抽!

P.S. 作為新手, 應該睇清楚你所用既銀行/證券行既收費, 做個精明投資者!! (當然都要考慮service, bankruptcy risk, 等因素)