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  2. 2019年12月23日 · 可扣稅自願性供款 (TVC) 是強積金中的一種新供款模式,如果現有的強積金計劃提供可扣稅自願性供款選項,便可在現有強積金戶口開立TVC戶口。 另外,開戶毋須經由僱主申請在比較過各間強積金公司的回報及收費,可自由向屬意的強積金公司及計劃申請開戶。 因此,TVC可靈活彈性地增加自己的退休金。 TVC好處2: 扣稅高達HK$10,200. 購買「扣稅三寶」,均可扣減薪俸稅或個人入息課稅。 不過,在扣稅額上則有分別,TVC 與 QDAP每年上限合共HK$60,000,若夫婦均為納稅人,一同購買QDAP,則可共享HK$120,000扣稅額。 而VHIS則是每名受保人每年上限HK$8,000,同時為家人購買VHIS的話,便可享更多扣稅額。

  3. 2024年4月26日 · 美國國債收益率. 加息對美國國債的影響. 如何投資美債? 如何在香港買美國債券? 投資美債常見問題. 美債是甚麼? 美債是指美國政府、機構或企業發行的債券。 如果是由美國政府發行,可稱為美國國債或美國公債 (本文將集中討論這類美債)。 這類債券是美國政府向投資者發行的債務證明,投資者購買這些債券實際上就是向政府出借資金。 美債通常被認為是世界上最安全的投資之一,因為它們由美國政府發行,而美國政府被認為是信用最為良好的借款人之一。 投資者購買美債可以獲得固定的利息收入,並在債券到期時收回本金。 投資美債好處. 穩定收益:美債通常被認為是風險較低的投資,並提供相對穩定的利息收入。 資本保護:由於美債由美國政府發行,投資者一般認為其本金較為安全,具有較高的資本保護性。 投資美債風險.

  4. 2020年10月28日 · HIBOR是本港20多間銀行的互相借貸利率。 如同所有貸款機制,如果資金短缺,借貸成本高,利率會上升。 相反,資金豐富,借貸成本自然會低。 目前,香港銀行公會每天均會公佈當日的拆息利率,銀行會按此定下十分相近的銀行HIBOR,由該利率加上銀行批核予申請人的利率,全寫為「H+_%」的按揭方案,便是「H按」。 銀行體系結餘 會影響 HIBOR 水平. 香港銀行公會的HIBOR有多種,由隔夜(即1日)到12個月不等(詳見上圖)。 目前各銀行計算H按時,較常以一個月的HIBOR為基準。 封頂位:申請人真正需注意的利率. 哪如果 HIBOR短時間內飊升,哪豈不是加重H按申請人的負擔? 為此,銀行均為H按設定「鎖息上限」機制,俗稱為「封頂位」。 現時香港各大銀行的封頂位及實際封頂利率,大家可詳見上表。

    • Table of Contents: MPF Funds in Hong Kong
    • What Is MPF?
    • How to Choose MPF Funds?
    • MPF Fund Performance
    • Fees and Charges
    • Service of Provider
    • Asset Allocation Strategy
    • How to Check MPF Fund Performance
    • If You Have More Than One MPF Accounts, Should You Consolidate them?
    • How to Withdraw MPF?

    The Mandatory Provident Fund (MPF) System started on 1 December 2000. It is the second pillar of Hong Kong’s retirement protection framework. The MPF System regulates mandatory, privately-managed, and fully-funded contribution schemes. Covered individuals, including employees, employers, and self-employed persons, must make regular mandatory contri...

    For choosing MPF Funds, no strategy fits all, but here are the 5 factors you might consider to find suitable MPF Funds.

    MPF Fund Performance indicates an MPF Fund’s return in the past, but remember that the past can’t predict the future. It is important not to base investment decisions solely on a fund’s past performance.

    You should always keep an eye on the fees and charges despite the excellent performance of an MPF. Otherwise, your return will be eaten up by the fees and charges. Here is an overview of the average fees and charges of the 5 MPF Funds Types: Wanna know more about the fees and charges? Check out “MPF Schemes Fees and Charges Comparison: Management F...

    Not only considering the fees, but you may also want to consider the MPF Fund’s service. Trustee Service Comparative Platformhas provided the services offered by different MPF schemes from different trustees, including fund choices, account administration and customer services, and enquiries channels that fit your need.

    You may deploy your risk-managing plan according to the risk tolerance level. Here are some tips for both high-risk and low-risk strategies. High-risk strategy 1. Putting a larger share of equities in your MPF Funds may help to achieve capital gain and obtain higher risks. 2. Sector equity funds are generally riskier than other types of equity fund...

    MPF Fund Platformis a great tool for reviewing MPF fund performance. It provides all the filters you need for finding the MPF funds. You can search funds by their fund types, fund category, trustees, scheme, and 10 highest/lowest funds by return or fund expenses ratio (FER). Top 5 MPF Performance in the past performance of 1-year accumulated Top 5 ...

    It’s common for Hong Kongers to have more than one MPF accounts after switching jobs. It’s recommended to consolidate your MPF accounts to save time and effort in managing various accounts.

    MPF can only be withdrawn when you reach 65 and decide to retire. However, there’re two common ways to withdraw MPF before 65 years old: 1. You are at least 60 years old and take early retirement. 2. You have left or are about to leave Hong Kong for good. When you reach 65 or retire early at 60, you can withdraw your MPF benefits either in full or ...

  5. 2024年4月9日 · MoneySmart 即為大家講解及比較兩類金融機構在投資港股的佣金、手續費、轉倉費,在投資路上助你一臂之力! 證券行香港股票買賣佣金收費一覽. 銀行香港股票買賣佣金收費一覽. 其他股票網上交易費. 證券行港股收費比較:佣金、收費一覽. 在證券行開股票戶口能比在銀行開戶相對平宜,能夠算省佣金、手續費,部分平台更能做到0%佣金。 平台使用費是使用交易平台時支付給證券商或經紀商的費用,可以是固定每單以收費、訂單數量、按月或按年收費。 富途證券 及 華盛證券 提供兩種收費方案: 固定平台使用費:每筆訂單HK$15. 階梯式平台使用費:按每月訂單數,超過6,000張訂單低至HK$1. 其他收費. 證券行及銀行亦有機會徵收 存倉費 、 代收股息費 、紅股、轉倉費等費用。 老虎證券限時優惠0%佣金.

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