買銀行「存款證」好過做定期存款?賺高息兼可轉讓!利息更高仲唔使被綁死?

文: 梁穎心
2022.11.03

各大銀行的定期存款不斷加息招客,做定期息率固然較活期吸引,不過資金要被綁死。銀行有種投資工具叫「存款證」,在加息戰前,一般可以提供比一般定期存款較高的回報。不過存款證的投資額門檻較高,一般為港幣10萬。即睇內文了解更多喇!

存款證是與債券類似的債務投資工具,一般是由認可金融機構或銀行發行。存款證與定期存款相似,在每半年、每年或是贖回的時候,可獲取特定的利息回報,即可提供固定收入。回報一般較定期存款高。不過,存款證的入場門檻較定存高,最低投資額一般為港幣100,000元。

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另外,定期存款的對象多為普羅大眾,而存款證的銷售對象則普遍為專業或機構投資者。

要注意的是,兩者最大分別是存款證可以於二手市場轉讓,也可以將它售回給發行機構,具較高流動性。不過,存款證一般被歸類為票據,所以不受存款保障計劃保障,如銀行倒閉或違約,投資者不會獲發最高50萬元的補償金。此外,存款證可能因市況出現價格波動,風險大於做定存。

來源:HKET

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