新手最近想开Charles Schwab
因此尽量挑免佣金的SCH* ETF
目前想做的配置
SinoPac复委托
VT 34%
Charles Schwab
SCHB 23%
SCHZ or SCHR 18%
SCHH 18%
MMF/cash 5%
想要请教诸位先见
(Net Expense Ratio)
1. REIT配置选择SCHH(0.07%)是否适合，还是有其他更适合的方案?
2. 债券应该选中期的SCHZ(0.04%) 还是只有美国库券的SCHR?(0.06%)
3. MMF的部分如果是只有签购买海外投资股份授权书
(Authorization to Purchase Offshore Investment Shares)
是不是只有0.30%~0.67%?
必须要自行购入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
还请诸位先见不吝赐教
无任感激