股市 | Margin Facility With MaybankInvest ~我被offer了


最近老虎打电话及电邮我关于Margin Facility的好处,询问我是否考虑申请。信中也附上以下例子。看起来真的很不错!


Current situation : 
Let say you do have cash RM50k   

·ABC current stock price : RM1 
·With the 50k cash you are allow to   
 buy RM50000 / RM1 (ABC stock   
 price) 
       = 50,000 units 






Settlement using your own cash that needs to be paid on T+3 after stock purchased

With margin facility : 

Let say you do have cash RM50k : 
·        Cash 50k x 1.5 times (multiplier) 
= RM 75000 
·        With 1.5 times you are allowed to buy 75000 units of ABC stock 

RM75000 / RM1 (ABC stock price) 
 = 75000 units 
( you have an opportunity to buy more ) 

Settlement using facility after stock purchased on T+3 after stock purchased

How much you earn if let say share price increase to RM1.50? 

(RM1.50 - 1.0)  x 50000 units 
= RM0.50 x 50000 units                                                = RM 25, 000

How much you earn if let say share price increase to RM1.50? 

(RM1.50-1.0) x 75000 units 
= RM0.50 x 75000 units 
= RM37,500


No interest charged 
                         


Interest charged on outstanding facility: 

·Assume interest rate at 5.1%, for 30   days 

Calculation for interest would be : 

= ( RM37,500 x 5.1%)  X   30 days 
                          365 
=RM 157.19 
How much gain after minus interest? 


=RM 25,000
How much gain after minus interest? 

RM37500 - RM157.19 (interest for 30 days) 
=RM 37342.81

RM 25,000           VS        RM37342.81


可是以下的费用。。。让我真的考虑是否有此需要?要我做资本买卖,我觉得我没有那么大心力做好判断 >.<

暂时还没有算如果拿Margin 来买IGBreit或Sunreit长期收股息的话行得通么?需要找时间再看回第一天的‘降熊秘笈’。因为之前没拥有这服务,所以我略过了,哈哈哈。

有用此服务的博友可以分享一下吧,谢过了!

Collateral
Fixed Deposit  2.5 times
Cash                  1.5 times, must combine with at least 3 different share and no call warrant share
Share                 1.5 times, at least 4 different share and no call warrant share


Interest Charge 
We offer as low as 4.85%

* subject to approval
* current BR at 3.2%


Interest will be charge based on total daily outstanding
eg : Credit facility : 100,000
        Outstanding  : 70,000
         Interest           : 5.1 (BR+1.9%)

So calculation of interest would be  : 70,000 (5.1 %)
                                                                       --------------------    =  RM9.78 a day
                                                                           365 days
                                     

Stamp Duty 
0.5% of credit facility
The charge will be refund/rebate to customer if the total of 6 months gross brokerage is equal or more than stamp duty amount.

eg : Credit facility apply      : 100,000
        Stamp duty charge      : (0.5% x 100,000) =RM500

How to make sure the charge refunded after 6 month?
Stamp duty charge : RM500 / 6 month
                                      : RM83.33 minimum brokerage need to generate a month

How much you should trading a month to get the brokerage charge equal to RM83.33 ?
= RM83.33 / 0.42% (brokerage rate)
= RM19841

That means, every month you need to trade at least RM19841 to make sure stamp duty refunded. Its easy :)


Total Charges : 
Original margin trading financing facility agreement upstamping
@ RM5 per thousand of credit facility                                                       RM  500.00
2nd set of margin trading financing facility aggrement                         RM    10.00
2 set of memorandum of charge                                                                  RM    20.00
2 copy of letter of offer                                                                                     RM    20.00
Stamp duty on Bankers cheque                                                                  RM      5.00-
Total charge                                                                                                      RM  505.00

This charge can be included as an outstanding, no cash up front.
股市 | Margin Facility With MaybankInvest ~我被offer了 股市 | Margin Facility With MaybankInvest ~我被offer了 Reviewed by Angel Poi Woon on 上午9:30 Rating: 5

21 条评论:

  1. 怎么感觉上是很危险的赌注啊,赌赢了抽你百分比,赌输了一定会要你还钱的吧

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    1. 所以需要很强的判断力和清醒的脑袋。。。水能载舟,也能覆舟。。不少人因此倾家荡产,但也有强人把Margin account的风险处理得很好累积财富。

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  2. 如有房子, 可考虑用housing overdraft facility 来借代。interest 可能更低

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    1. 我目前没有house loan。。倒是我外子有在public bank 的housing loan.,

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  3. 这一章那么有意义的打熊秘籍你都错过啊XD
    这个maybank居然offer你这个,看来你的资本也不小了嘛~。~
    记得要留意有没有rolling over fee 哦,这个最重要=。=

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    1. 哎呀,还没到那个境界就算看了也很难想象嘛>.< 我读了一会儿就放弃了。哈哈哈。
      我是觉得Maybank看我一直用现金买股,都不会用Margin account 很可怜吧 @@ rolling over fee.....我去查查看。

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  4. 如果你要以margin acc买REITs受股息,可以考虑用cimb reits margin financing acc,没有roll over fee哦

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    1. 好的,可是我现在是用maybank investment account买股。如果用cimb reits margin financing acc 就要申请一个CIMB investment account买股咯?

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    2. 这是肯定的,哈哈....

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    3. 可惜我所有的’家当‘都在老虎那里,搬过去CIMB谈何容易 = =

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    4. 一个counter才10元而已嘛,而且还可以waive回来~。~

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    5. 以前我也是从老虎transfer去CIMB,一点都不麻烦,填几张form罢了

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    6. wow,好的!受教了!会斟酌一下的 :)

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    7. 给有兴趣的朋友: http://www.itradecimb.com.my/index.php?ch=st&pg=st_prod&ac=7#

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  5. 我也申请了一个margin account呢,已经批准了,但是户口还是零。我的想法是等熊市再来用,因为怕自己的贪念在现在的时局不会收手。一方面也是一直被告诫不要借钱买股票,不然一个股灾真的会很惨。
    所以现在还真的不会用这个户口呢 XD

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    1. Rachel也申请了~ :)
      申请时有charges 么? 如果没用的话会不会罚款类似的费用?

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    2. 就是给那个stamp duty咯,如果一年内有用到超过不知道多少的brokerage fee就可以waive掉。(我忘记了;p)
      它的nrokerage fee是跟市价的,min28 or 0.42%?,用惯了hlebroking的费用觉得水钱有些贵。我申请时是没有charges的呢。目前不敢使用,哈哈XD

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  6. Better use it lah...else apply untuk bertelur kah...haha..

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  7. 請教請教,請問哪一間trade foreign比較省錢呢?

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    1. 啊啊。。这我也不清楚哦。。我也是新手。。>.< 不好意思。。迟回复。。

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