貨幣市場ETF: 比存款回報高比定期更靈活的低風險投資選擇

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小魚爸SmallFishBa

Күн бұрын

Пікірлер: 43

@XiaodongWang-qt9oy 2 ай бұрын

Thanks for introducing money market fund to us. Thanks for sharing!

@rwan2326 8 ай бұрын

Thank you for your useful information! If you have time, please introduce more IB share, ETF, bonds buy or sell operation for ISA or non ISA account. Thanks!👍

@whatthehell4146 29 күн бұрын

請教一下，其實香港人可不可以經 IB 買 UK 的 Money Market Fund ETF ？如果可以，税款方面又該怎樣繳交呢？是否 IB 會自動操作扣去應繳稅款？ 🙏🙏🙏

@MKCheung-i6t 21 күн бұрын

Thanks for your information. I know each can have 20,000 pounds allowance for ISA for each financial year. If I invest all the money 20,000 in stock and shares account in a financial year and the reward is more than 20,000 say 25,000 including the principal some time in that financial year. I sell all the shares and park the money in the stock and saving account. Can I re-invest in that financial year with all the amount 25000?

@SmallFishBa 21 күн бұрын

I am not a tax or financial adviser. The following is purely my personal understanding, not professional advice 👇 Hi MK Cheung. Yes. ISA allowance only restrict the amount you transfer in to ISA accounts. What you do with the money inside, whether it has grown/lost is irrelevant.

@ukaykay9235 5 ай бұрын

Hello 小魚爸，一直有睇你的影片，學到好多野。之前有個影片提到hedged 同 unhedged ETF 的分別，想重溫返但搵吾返 😅

@SmallFishBa 5 ай бұрын

我都唔記得自己有講過 😂

@alai8238 8 ай бұрын

早晨！小魚爸！又有片出，多謝你

@SmallFishBa 8 ай бұрын

早晨 ALAI

@williampak2276 8 ай бұрын

小魚爸，您好，在片中，你提到買money market fund 選擇reinvestment須要當income tax處理，請問offshore fund 是否可以用capital gain tax 處理 reinvestment所得的基金單位？在税務條例s410提到UK resident company 的scrip dividend須要當income tax 處理，但沒有提到 non-UK resident company的scrip dividend如何處理，所以不清楚offshore money market fund 的reinvestment unit應如何計税.... 想向你請教🙂

@SmallFishBa 8 ай бұрын

本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇 Hi William. 你呢個topic我啱啱先讀完，希望我理解正確，如果唔係考試就慘... Offshore fund要睇有無UK Reporting Status。有UK Reporting Status 嘅offshore fund 係同HMRC登記咗。會主動報income俾HMRC。如果係 Offshore Reporting Fund, 就算無收到嘅利息 (reinvest 部份) 都一樣計Income Tax。要做self assessment 時自己報。報係利息定係股息就要睇隻基金嘅結構而定。股價賺蝕計CGT。如果係Non UK Reporting嘅Offshore Fund, 利息係計你真正收到時先報稅，所以有延稅效果。聽落好似有著數，但留意Non UK Reporting Offshore Fund 股價賺蝕係計Income Tax，即無論係收息定賺價都計 income tax, which is 高過CGT。蝕亦都無得報 Capital Loss。

@4youdonut774 20 күн бұрын

早晨！小魚爸, 你提及的Money Market ETF & Bond 在 IB UK 都選不到,請問是我不懂得用IB 或要經其他平臺

@SmallFishBa 19 күн бұрын

本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇 Hi 4you donut. 可以試吓去 Setting > Trading Permission 睇可你 set 好 permission 未.

@wendy9334 8 ай бұрын

好有用 Thank you for your sharing 😊

@SmallFishBa 8 ай бұрын

謝謝

@CKL800 8 ай бұрын

Thanks 小魚爸👍🏻, CSH2 👍🏻

@SmallFishBa 8 ай бұрын

Thanks.

@wafflecat8125 8 ай бұрын

學到好多嘢，多謝小魚爸🙏

@SmallFishBa 8 ай бұрын

唔洗客氣, Waffle Cat

@waterlulu8134 8 ай бұрын

very helpful tips 😊

@SmallFishBa 8 ай бұрын

Glad it was helpful!

@pikkwanleung5265 8 ай бұрын

謝謝你小魚爸！

@SmallFishBa 8 ай бұрын

唔洗客氣。謝謝收看.

@FSY666 8 ай бұрын

非常感謝你嘅珍貴資訊，我自己剛到英國，純做Trade搵食，即係炒嘢，可能同你一樣，可否講多啲開公司交稅各方面嘅做法？

@SmallFishBa 8 ай бұрын

本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇 Hi FISHEEP。其實我唔可以話係純做Trade揾食。因為我大部份都只係長線投資，只係有時手痕又見到有機會先會做短線玩吓。如你係以 trading 為生, 勁多 transaction的話，小心HMRC有可能當你係Trader而唔係Investor。 Trader嘅賺價都會計你Income Tax而唔係CGT。但問題係其實無一個好明確嘅定義佢點先當你係 trader。例如trade幾大, 幾密等等。但如果 Trading 係唯一收入，而交易次數多及金額大, 做短線交易如day trading, 就有機會被 HMRC定義為 Trader。至於開公司 trade 去慳稅我就唔係好識。

@wongwonglau 8 ай бұрын

Trader同invester税务有乜分別？

@kennethwong9209 8 ай бұрын

小魚爸，不過有一個小支出，就是買賣ETF都要收經紀佣金，如果買賣金額不大和短期，佣金對收入的比例就會較大

@SmallFishBa 8 ай бұрын

Yes. 好好的補充。所以如果Broker 交易收費高就未必扺

@pikkwanleung5265 8 ай бұрын

想問問UK ISA是不是買唔到美國的VOO 標普500指數？

@SmallFishBa 8 ай бұрын

本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇 英國 resident 買唔到美國公司注冊嘅ETF。所以無論係ISA, SIPP, 定普通證券戶口都買唔到VOO。要買就要買UCITS版本嘅ETF。可以參考吓我以下呢條講美股UCITS ETF嘅片: 移民後不要停止投資🤚 在英國投資美股ETF💲 選擇合適的UCITS ETF🔍 UK Reporting Status很重要❗ kzbin.info/www/bejne/eqqkdKWta7apers

@KingKing-fs7vm 8 ай бұрын

市場有冇反向杜指或者納指嘅ucits etf? 好似揾唔到～

@SmallFishBa 8 ай бұрын

本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇 有。例如: XSPS, XS2D (-2x), XT2D (-2x) DSP5 (-2x)

@sherlockmatsumoto8541 8 ай бұрын

Thanks for sharing !!!

@SmallFishBa 8 ай бұрын

My pleasure!!

@kennethwong9209 8 ай бұрын

小魚爸：想問吓喺片中15:28 畫面你說回報超過5%是只第六項1yr up down?這個是回報還是波幅？因為第八項dividend yield 是回報或是其他，和第六項的分別是什麼？謝謝。

@SmallFishBa 8 ай бұрын

本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇 1Y in % 5.26% 是指一年 (過去365日) 的回報，不是波幅。今日已經變咗5.3%。一年波幅係Volatility 1Y。 Dividend Yield 只計股息(利息) 回報，不計股價升跌。所以你見CSH2 Dividend yield 係 0 或無，因為CSH2唔派息。