新加坡投资 | 如何利用闲置现金赚取 4.5% 年利率的诱人收益

在当前经济环境中,找到高收益的投资渠道对于投资者来说至关重要。iFAST SG 美元自动转存账户提供了一个令人兴奋的机会,不仅能够获得比大多数美元储蓄账户更高的收益,还能灵活地购买 iFAST SG 平台上的投资产品,无需任何延迟。以下是关于这个账户的详细信息和优势。

 

iFAST SG 美元货币基金的优势

1、赚取更高的潜在收益

根据截至 2024 年 6 月20 日的数据,iFAST SG 美元货币基金账户的最新净收益率为年利率 4.50%。这一收益率远高于同期新加坡元自动转存账户的 3.164% 和离岸人民币自动转存账户的 1.741%。相比之下,本地银行美元储蓄账户的利率普遍较低:

– 渣打银行:2.05%
– 中国银行:0.25%
– 工商银行:0.25%
– 星展银行:0.03%
– 大华银行:0.02%
– 华侨银行:0.01%

 

2、购买投资产品时无延迟

iFAST SG 美元自动转存账户没有锁定期,这意味着您可以随时使用账户中的资金购买 iFAST SG 平台上的投资产品,无需等待。这为您提供了极大的灵活性,可以随时抓住市场机会。

 

3、兑换期短

如果您需要将资金用于其他用途,iFAST SG 美元自动转存账户允许快速赎回。只要在每天上午 10 点之前提交提款指示,您将在同一天收到资金(具体到账时间取决于您的银行处理时间)。

 

4、自动投资额外现金

iFAST SG 美元自动转存账户会自动将您的股息、优惠券和赎回收益转入账户,以便您持续获得更高的收益。这意味着您不必手动管理资金,系统会自动为您优化投资。

 

5、iFAST SG 美元自动转存账户的运作方式

截至 2024 年 6 月 20日,iFAST SG 美元自动转存账户的投资组合中有 90% 投资于 iFAST USD 增强流动性 A 美元基金,10% 以现金持有。该基金主要投资于优质债务工具,如债券、票据、中期票据和存款等,确保为您带来更高的收益。

 

6、安全性

虽然 iFAST USD Enhanced Liquidity 基金的目标是维持 A- 的加权平均投资组合信用评级,但请注意,所有投资均有风险。此外,您的资金不受新加坡存款保险计划的保障。

 

7、费用

iFAST SG 美元自动转存账户每季度收取 0.05% 的管理费,年管理费为 0.20%。截至 2024 年6月 20 日的最新净收益率为 4.50%,已考虑这些费用。

 

8、如何开设 iFAST SG 美元自动转存账户

1.开设 iFAST SG 账户:如果您尚未拥有 iFAST SG 账户,可以在其官方网站注册。
2.加入美元自动转存计划:登录您的账户,前往账户设置,选择加入自动转存账户。
3. 存入资金:通过您的银行账户将资金转入 iFAST SG 美元自动转存账户。

 

总结

如果您有闲置的美元储蓄,iFAST SG 美元自动转存账户无疑是一个值得考虑的选择。相比传统银行储蓄账户,它不仅提供更高的潜在收益,还具有更大的灵活性。尽管收益取决于 iFAST USD 增强流动性基金的表现,但总体来看,这个账户为希望通过定期储蓄计划投资美国市场的投资者提供了一个极具吸引力的选项。

立即访问 iFAST SG 网站,开设账户,开始享受高收益带来的财务自由吧!

 

希望这篇文章对你有帮助!有任何问题或想了解更多,欢迎留言或私信我📩!

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Jolysse邬宇思

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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》,鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料(例如姓名,证件号码,联系电话,邮寄地址,电邮地址和照片)。 该政策可在本公司网站上查寻,网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格,即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策