【股票持倉買基金】——再也不用擔心不夠金錢買基金了
想投資，是買股票好還是買基金好？
其實這並不是一個二選一的問題。如果想要追求股票的高收益，同時又貪圖基金的便利。完全可以既投資股票，又投資基金。
小明歎了一口氣：“成年人的世界裡哪有這麼多的‘既要、又要’。錢就這麼多，買了股票就買不了基金，買了基金就沒錢買股票，難並全啊。”
uSMART盈立智投推出的【股票持倉買基金】功能，就是為了解決客戶本金有限，但是想要投資多樣化的問題。
簡單來說，如果客戶的資金大部分或者全部都用來購買股票，但是仍然想要投資基金。這時可以先用賬戶中剩餘資金支付，不足部分可以用自己的股票持倉抵押資金來認購基金。
【股票持倉買基金】額度是多少呢？
具體金額是根據您的股票持倉市值、股票融資抵押比率、客戶信用比率和客戶融資認購基金抵押折算率等因素來計算，數值會按市值即時更新。
目前，該功能抵押美股持倉融資年利率為2.98%；抵押港股持倉融資年利率為5.98%。只支持基金認購，暫不支持基金定投。
接下來，我們進入小明的帳戶，看看他能通過自己的股票持倉帶來多少資金購買基金呢？
目前，小明擁有的證券市值HK$85,611，現金HK$10,372.03。理論上他的可用資金只有HK$10372.03，但是他想要購買市值HK$30,000的基金。
這時，小蔡可以進入uSMART盈立智投的理財板塊，選擇“我的理財資產”下方的全部基金。
小明選擇了“安聯收益及增長基金AM類 Dis港元”基金，此時可以看到，小蔡的帳戶中“現金可用”額度是HK$10,372.03，“融資可用”額度是HK$31,648.83。
“融資可用”額度=賬戶可用現金+將股票持倉市值抵押可向盈立融資的金額。
這樣，小明原本只有HK$10372.03的可用現金，通過抵押自己的股票持倉，最終獲得了HK$31,648.83的資金購買基金。實現了股票投資和基金投資的“雙目標”。
作為uSMART的客戶，如何使用【股票持倉買基金】服務呢？跟著小盈一起來看看吧！
股票持倉買基金怎麼使用？
步驟1
打開uSMART盈立智投APP，擇「理財」板塊的全部基金
步驟2
進入基金列表，查看感興趣的基金詳情。
步驟3
瀏覽基金詳情，點擊右下方「認購」按鍵。
步驟4
查看可融資金額度，輸入申購金額，點擊「同意協議並提交」。
Follow us
Find us on
Facebook,
Twitter ,
Instagram, and
YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the
uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app！
Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements. Any calculations or images in the article are for illustrative purposes only.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance. Please carefully consider your personal risk tolerance, and consult independent professional advice if necessary.
