Thursday, April 13, 2017

五大行的Saving Account

开写之前完全没意识到加拿大的Saving Account普遍有这么烂。。。这可能是咖啡君最短的一篇文了。之所以还是写出来主要是因为挖了个坑不好不填。。。


简单的说,除了BMO家的某个计划外,所有的Saving Account基本都没有超过千分之五的利息。因此,在此指介绍BMO家的Saving Builder。该计划没有月费,亮点在于若每个月保持+200刀的话,利率就可以达到1.2%。单纯从利率而言算是不错的,但是1.2%的年利率比起撸信用卡来还是太低太低了。

就咖啡君个人而言,保留Saving Account的唯一目的是控制消费:每个月定量把钱转进Saving,进去了就不再随意放出来,这样强行控制消费,因为大多数Saving里的钱是不能免费直接用的。这也算是个人的理财小技巧吧。

1 comment:

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