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[信息讨论] 强人理论CFD+netbank saving = 2% marginal lending [复制链接]

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发表于 2008-1-25 19:58 |显示全部楼层
此文章由 买房子啊 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 买房子啊 所有!转贴必须注明作者、出处和本声明,并保持内容完整
转自HC

Ok I have thought about this, never tried it, but I can not think of a reason as to why it should not work.

Lets assume that you currently have a margin lending account of $1,000,000 which costs you 8% - which is probably at the lower end of what some are paying now.

This means you pay $80,000 in interest per year.

However to maintain this position you really only need about $30,000 in margin depending on which stocks you own or short sold in. However lets work on using $80,000 in margin or 8% meaning the market can move around considerably requiring no action on your part. Of course I am talking about using CFD's here.

The cost of holding this position with CFD's on CMC is the RBA rate (for aussie stocks) + 2% or 8.75% meaning your yearly interest expense would be $87,500.

Your probably thinking wtf that is more?

However you now have $920,000 in cash which you can get around 6.5% at the bank and have the cash available at call.

You now make $59,800 in interest per year.

Meaning your interest cost is now 80000 - 59800 = $20,200

Or 2% and that has given you a 5% margin just sitting in the CFD account - with CMC markets others might differ.

Depending on market movements you might be required to add some cash which can be done by a simple bank transfer. Or urgently by card if needed under a real bad scenario.

With this approach from what I can see does not mean you are taking on extra market risk. You lose or make as per a margin lending account but save a stack in interest.
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发表于 2008-1-25 20:16 |显示全部楼层
此文章由 紫霞 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 紫霞 所有!转贴必须注明作者、出处和本声明,并保持内容完整
不是太明白。有没有强人点拨一下?

发表于 2008-1-26 18:13 |显示全部楼层
此文章由 oliverzeno 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 oliverzeno 所有!转贴必须注明作者、出处和本声明,并保持内容完整
No matter u r using CFD or margin lending u can not withdraw money out to put it into ur HY account ,rite?

退役斑竹

发表于 2008-1-28 14:54 |显示全部楼层
此文章由 Devil_Star 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 Devil_Star 所有!转贴必须注明作者、出处和本声明,并保持内容完整
um, some loans like margin loan, regular home loan and CFDs are restricted from other uses.  Gotta be treated differently from LOC, personal loan, and credit card loan.

发表于 2008-1-30 19:05 |显示全部楼层
此文章由 alyssa 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 alyssa 所有!转贴必须注明作者、出处和本声明,并保持内容完整
so, does it works?
Has someone tried?

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