新手最近想開Charles Schwab
因此盡量挑免傭金的SCH* ETF
目前想做的配置
SinoPac複委託
VT 34%
Charles Schwab
SCHB 23%
SCHZ or SCHR 18%
SCHH 18%
MMF/cash 5%
想要請教諸位先見
(Net Expense Ratio)
1. REIT配置選擇SCHH(0.07%)是否適合，還是有其他更適合的方案?
2. 債券應該選中期的SCHZ(0.04%) 還是只有美國庫券的SCHR?(0.06%)
3. MMF的部分如果是只有簽購買海外投資股份授權書
(Authorization to Purchase Offshore Investment Shares)
是不是只有0.30%~0.67%?
必須要自行購入MMF
Schwab Money Market Fund Rates 2019
Schwab Cash Reserves Fund SWSXX 1.26%
Schwab Government Money Fund SWGXX 2.07%
Schwab Treasury Obligations Money Fund SNTXX 1.57%
Schwab U.S. Treasury Money Fund SWUXX 1.06%
https://www.brokerage-review.com/expert/cash-sweep/charles-schwab-cash-sweep-account.aspx
還請諸位先見不吝賜教
無任感激