[請益] 為何不推薦次級市場CD?已刪文
在海外券商開戶,一次匯入後,因為要等定期定額分批買進
部分資金想先買CD,賺點利息
看綠角及一些部落格都是推薦買初級市場(New Issues)的CD
沒有推薦買次級市場(secondary market)的CD
但以TD Ameritrade的CD為例
BANC OF CALIFORNIA Ladders 期限3 month (New Issue)及
GE CAP RETAIL BK DRAPER UTAH 11/06/2015 到期 (secondary market)比較
同樣都是 FDIC保險、Non Callable
前者
Coupon 0.150 Current Yield 0.15
Total Cost $1,000.00
後者
Coupon 5.3 Current Yield 4.941 Yield to Maturity 0.247
Total Cost $10,759.8 (Principal$10,726.4 + Accrued Interest$33.4)
這樣算起來買後者 (secondary market)利息比較高
為什麼大部分都只推薦初級市場的C?
謝謝
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