×

Loading...

Topic

This topic has been archived. It cannot be replied.
  • 枫下家园 / 生活杂事 / 我以前有个check户头，发现利息太低，决定再开个saving户头。请问开时是不是可以开个空户，然后把check户头转部分过去？saving户头要管理费吗？TD. 谢谢。 -win(秋天的菠菜); 2002-2-6 (#360524@0)
    • 问题太幼稚 ？ -win(秋天的菠菜); 2002-2-6 (#360535@0)
      • 是太难. 有钱人开Saving, 我等还不够条件. -hellangel(地狱天使); 2002-2-6 (#360546@0)
    • 同志般的握手!呵呵,一小时后下班我就去TD办理.回头告诉你体会.估计不难.俺当初一个子儿都没有,就只开了支票户. -mildkiller(爱,已成往事); 2002-2-6 (#360540@0)
      • 我准备明天中午办。能否告诉经验？ 谢谢! -win(秋天的菠菜); 2002-2-6 (#360543@0)
    • 不清楚。不过你转点钱过去不就行了。每月CHEQUING ACCOUNT上放足免服务费的钱，其他都放到SAVING去。需要交房租之类的付支票之前，再从SAVING转过去。ONLINE BANKING也可以直接用SAVING付账单。 -fionah(Fiona); 2002-2-6 (#360545@0)
    • Try ING Direct Investment Saving Acount, no fee, the only drawback is that you need one banking day to move your fund back to your chequeing account. -albxu(Yukon); 2002-2-6 {36} (#360565@0)
      Or President's Choice, or AMEX ISA.
    • I think it is OK. I have both account in CIBC. If you want to have more interests from saving, there are several ways. -ondway(一枫家新); 2002-2-6 {711} (#360568@0)
      1)US$, due to mimimun $5000, you can buy CIBC mutual funds, and there is actually no risk. The interest is a little less than saving. It is flexiable, you need 3 days or less to change the bonds to money. There are service charge, you'd better not change frequently. You can buy other mutual funds, some have big risk but may reap big profit as well. We call it gambling.
      2)CAN$, saving or GIC. GIC's rate is a little less than saving, but you can withdraw some of your investment after 1 month. The rate is subject to change and you can have longer-term agreement (the rate is fixed on the agreement). I don't know if there are minimun for CAN$ saving, it could be, but not that high amount restrait as US.
    • 有人试过TD 的Guaranteed Investment Account 吗？rate 2.00%。不明白为什么利率比其他的种类高，有没有不方便的地方? -lucky2002(笑笑); 2002-2-6 (#360841@0)
      • 有个地线，例如至少3000员(例子)，还有一条就是一个月只能取款一次，不限多少。 -warhook(likeplay); 2002-2-6 (#360849@0)
      • Why not ING? Even now it is 2.5%. Whatever how many you put in. And easy to transfer. -zhu(猪头，欲哭无泪); 2002-2-6 {40} (#360879@0)
        Just for 6 months and got 160 interests.
      • 我今天就开了GIA户头。TD有三种saving account，regular的没啥讲头，利息很低，每月2次free transaction；GIA利息最高，每月1次free transaction，但最低要5000balance；Tier介于二者之间。 -mildkiller(爱,已成往事); 2002-2-6 {550} (#360901@0)
        GIA保证今年9.1以前利息不低于2%，每月超过1次的transaction收手续费5块，而且从户头里提钱出来要实现与银行预约。户头余额不低于5000块，否则2%的利息保证自动取消。

        regular and Tier两种户头每月两次free transaction，超过的每次收1.25，能去ABM取款，每次charge 1.25，想免掉这个，balance要25000以上，每月statement or passbook要charge 1.00，balance500以上可以免掉。

        tier比regular利息稍微高一点点，但balance也要5000以上。

        GIC是另外一种抵押性质的存款户头
        mutual fund又是另外的东西了

        我不会投资，有点闲钱近期不动，因此选择了GIA。以后应该投资基金或股票的。
枫下论坛主坛 /  枫下家园 /  生活杂事