5年投资--6.5% intereste rate-一个不错的选择

Margarita_J

蒙特利尔银行有一种GIC叫做 BMO RateRiser® Max GIC, 5年的利率能到6.5% 相比其他银行是比较高的.如果大家手里有余钱,5年之内不打算用,可以考虑一下这个投资.BMO INVESTMENT 有个好处,你可以买它的INVESTMENT
不一定非要有它的bank accounts. check out the current rates:

http://www4.bmo.com/personal/rat ... 0.html?pChannelId=0

Bank of montreal BMO offers raterise@max GIC, earn a high, locked-in rate of interest that is guaranteed to increase each year. This is a good investment for your long-term savings goals, such as a down payment for a cottage or for your retirement.
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% u0 }2 o3 R, p$ J如果大家对BMO investment 感兴趣的话, 可以到大学的BMO branch  ( 11630-87th ave, right  by lister hall) 找 Jenny 或者发邮件给我 yzhai@ualberta.ca. 谢谢大家

[ 本帖最后由 Margarita_J 于 2007-2-15 23:49 编辑 ]

精打细算

投资GIC最重要的一点是理解 fixed rate 与 variable rate 的分别
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! V9 D3 j% @" Y; t% R) hRBC 的 Rate Advantage,
CIBC 的 Escalating Rate,
Scotiabank 的 Accelerated Rate
( A' V( B' \6 T( @BMO 的 RateRiser
TD Canada Trust 的 Triple Value

+ B/ `$ m+ ]; i) S. n. K/ W6 F都是属于 variable rate 的种类， guaranteed to increase on each anniversary date of a long-term GIC. 利息是逐年增加的。

假设 (出于尊重lz, 就不用BMO 的例子了）
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CIBC 5 年 Escalating Rate GIC  =  6%
第一年是 3.00%
第二年是 3.15%
第三年是 3.35%
2 L. v, y, R( {- P/ C0 I第四年是 3.50%
4 q9 E. Y" m7 f9 O第五年是 6.00%

2 \* S2 x1 d6 d- r5年的实际利息是 3.7941%

还有，要留意GIC 是否到期之前有 cashable value， 罚款多少。
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[ 本帖最后由 精打細算 于 2007-2-16 08:07 编辑 ]

年轻的心

支持讨论, 理不辩不明.

精打细算

只想让大家理解 variable GIC 实际利息的算法， 希望 Jenny 不要见怪哈。

精打细算

主要原因是刚刚有人问我， 想借银行贷款利息5.25%来存入这家银行5年，说可以赚1.25% 利息。

[ 本帖最后由 精打細算 于 2007-2-16 08:17 编辑 ]

老杨

原帖由 精打細算 于 2007-2-16 08:15 发表
* p0 _2 ^) @. H& A主要原因是刚刚有人问我， 想借银行贷款利息5.25%来存入这家银行5年，说可以赚1.25% 利息。

真是一个好办法：从这家银行贷款，然后再存入这家银行，对于银行来说一点风险也没有。如果借100万的话，一年可以得到$12500的利息吧？
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% ^) w4 y' u# @% ]1 o  a我准备借1000万，每年$125000的利息，太爽了！

精打细算

所以说，看清楚了。 尽管第5年利息是6.5%, 可是5 年实际利息才3+%， 到时要倒贴

苹果酱

这个版还是要常来滴

chmwl

谢谢精打细算
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原来这些
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0 F6 H( A6 e+ O! L% K+ q% CRBC 的 Rate Advantage,
CIBC 的 Escalating Rate,
- c& a. }$ ?; A0 Y, f+ DScotiabank 的 Accelerated Rate
- a7 d* N; U# g/ {" vBMO 的 RateRiser
TD Canada Trust 的 Triple Value

都是类似的投资

Ken

有一年一付的用卡，可以借信用卡上的钱投资么？
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[ 本帖最后由 Ken 于 2007-3-2 22:39 编辑 ]

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原帖由 Ken 于 2007-3-2 22:31 发表
! O0 L5 h& C; ~有一年一付的用卡，可以借信用卡上的钱投资么？

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可以啊， 信用卡利息每年 9% - 29%, 你大可向我借， 我给你8%， 但是一定要投资在我这里， 投资回报给回你7%

要放多少？借多少？

Ken

我说的可是一年之内不用付利息的信用卡，你没听说过？
NEW CITIBANK 0% interest until January 2008.
) }" T- W5 X* C: b另外，信用卡利息高地球人都知道，不用劳您教导。

[ 本帖最后由 Ken 于 2007-3-3 01:18 编辑 ]

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If you want to play with credit card, go ahead.

0 e4 R( Q8 [8 UJust a word of cautious on following :
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Universal default: Your interest rate can skyrocket if your credit score declines because of your behavior with other creditors even if you always pay your credit card on time and never miss a payment. Some card issuers will raise your rate if you inquire about a car loan or open a new credit card.

Change of terms: Credit card terms keep changing. Read the fine print and chances are you’ll find this disclosure: “We reserve the right to change the terms (including the APRs) at any time for any reason.” A fixed rate is fixed until the bank gives you at least 15 days notice that it isn’t. If you want to keep your account open, you’ll pay the higher new rate on your existing balance.

# E7 E( _5 @( g3 p, i, V; ^* PTeaser rates: That low rate you signed up for expires suddenly and you end up paying more. A temptingly low introductory rate can climb to 30 percent or more.
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Minimum payment: If you pay the minimum payment every month, you’ll end up paying a lot more than what you charged and you could be on the hook for a very long time.

On time payment: Card issuers are systematically mailing statements closer to the due date, giving customers less turnaround time. You can be hit with a late fee even if the payment is mailed on time. The average fee for a late payment has more than doubled in the past decade.
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( V! C0 B" h6 J9 b5 J" KDouble cycle billing: Finance charges are usually calculated using the average daily balance. If you alternate between paying off and carrying a balance, you’ll end up paying more interest.
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. ?7 ?* t' k9 _, h* lCash advance/convenience checks: The interest rates on these are higher than your credit card.
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Penalty interest and fees: Late payments can raise your interest from 7% to 27%! Rather than rejecting charges that exceed your credit card limit, issuers today often let them go through but then charge a hefty fee — as high as $39.

; V7 C! {7 |* v! a4 n* \Fees, fees, and more fees: As if the penalties weren’t enough, you pay more fees for paying by phone or charging abroad. You may have to pay a fee to receive what used to be free year-end summary statements.
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Balance transfer switcheroo: Transferring a balance from an account with a high APR to another one with a lower interest rate could come at a high cost. Any payments you make are typically applied first to the lowest rate balance. So while the credit card company uses your payment to quickly pay off that 0 percent transfer balance, you are piling up interest on purchases, at say, 18 percent. Multiple balance transfers will hurt your credit score.

fengroom8

三思

原帖由 精打細算 于 2007-2-16 07:42 发表
9 u6 F/ [. V1 ~9 C" E7 ?+ v2 ^投资GIC最重要的一点是理解 fixed rate 与 variable rate 的分别

" z- |3 B1 H3 n- c' N1 uRBC 的 Rate Advantage,
) ^0 v, h) F( [$ oCIBC 的 Escalating Rate,
Scotiabank 的 Accelerated Rate
  z1 b: k$ w6 P( d4 p. h7 eBMO 的 RateRiser
TD Canada Trust 的 Triple Va ...

1 g9 d% J& Q: g! J' x ing

pC offers 4%, is there any hiden cause?

精打细算

原帖由 三思 于 2007-3-5 12:38 发表

5 }/ ]! C* z3 e9 }' z3 ?2 l ing

3 H! b9 C; q8 i" [+ qpC offers 4%, is there any hiden cause?

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8 [2 [  }/ I+ D# w8 O  Ino hidden charge but
minimum deposit 1000, and it takes 1 business day to transfer money out.
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Plus, this is floating so it could be double edge sword.
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" ~  I4 l# f( X* s& C" BWhen Prime hiking (Very likely with the recent trend last few days showing), you will have the interest increase too (unlike GIC or most locked-in) therefore, you will gain.
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) a- l; i, z' KWhen Prime rate drops, you lose as their interest rate drops accordingly.

三思

原帖由 精打細算 于 2007-3-5 12:46 发表

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no hidden charge but
minimum deposit 1000, and it takes 1 business day to transfer money out.
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Plus, this is floating so it could be double edge sword.
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When Prime hiking (Very likely ...

那还算不错的，pc挺实诚！谢谢!

精打细算

你还有mortgage么？ 利息多少？

% H( Q: W7 ?. K1 d( x  d为什么存 4%的利息, 还要缴税， 用来补贴房屋贷款利息 >5.5% ?
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不是赔本么？