多请教一下tbill一年利率低于多少就比oa还不划算了？
1300是本金多少钱的多余收益？
DBS 网站有介绍一年期tbill超过2,71％就可以买
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DBS 网站有介绍一年期tbill超过2,71％就可以买
CPF-OA Tbill 尝试
CPA-OA T-bill try
Issue code: BS23104X
Announcement date 23 Feb 2023
Auction date 02 Mar 2023
Issue date 07 Mar 2023
Maturity date 05 Sep 2023
Competitive Bid: 3.88%
Amount: 50000
Fees: 2.7
CPF deduction date: Mar 3, 2023 (amount: 49010.2)
CPF credit-back date: Nov 28, 2023 (amount: 50000.89)
Effective Interest: 2.68% (Vs. 2.5% at CPF-OA)
另一个 Tbill (1年期的，放了270000), 按照3个月的overhead, 估计能多赚 1300 多一点而已。
结论： 6个月 的Tbill 基本没有收益；
需要放一年才有一点小小的收益（不过费时10分钟，收益1300新币，还是可以的).
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这位兄弟你不会操作别怪tbill收益少啊！看得俺着急
Tbill九月 mature之后你手动操作就多赚两个月cpf利息，你愣是等银行给你转，要知道天下银行一般黑，它故意等两个月才转，中间给你0.05％利息。
唉，有钱人不代表会认真研究，做事，反倒会怪tbill.一声叹息。
唉，有钱人不代表会认真研究，做事，反倒会怪tbill.一声叹息。
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能具体介绍一下到期之后如何手动转吗？ dbs app买的 好像没看到这个选项
但凡你google 一下dbs cpf investment account return cpf manuals
Transfer from CPF Investment Account to CPF Ordinary Account
Perform a partial or full funds transfer to your CPF Ordinary account easily using digibank Online.
After you have logged in to digibank Online, follow these steps:
Select "More Investment Services" under the "Invest" tab on the top navigation.
Under the "Manage Investments" category, select "Refund to CPF Board".
Select "Refund Full Amount" or "Refund Partial Amount".
If you have selected "Refund Partial Amount", enter the amount to be transferred.
Read the agreement, then click "Next
Verify that your details are correct, then
Select "More Investment Services" under the "Invest" tab on the top navigation.
Under the "Manage Investments" category, select "Refund to CPF Board".
Select "Refund Full Amount" or "Refund Partial Amount".
If you have selected "Refund Partial Amount", enter the amount to be transferred.
Read the agreement, then click "Next
Perform a partial or full funds transfer to your CPF Ordinary account easily using digibank Online.
After you have logged in to digibank Online, follow these steps:
Select "More Investment Services" under the "Invest" tab on the top navigation.
Under the "Manage Investments" category, select "Refund to CPF Board".
Select "Refund Full Amount" or "Refund Partial Amount".
If you have selected "Refund Partial Amount", enter the amount to be transferred.
Read the agreement, then click "Next
Verify that your details are correct, then
Select "More Investment Services" under the "Invest" tab on the top navigation.
Under the "Manage Investments" category, select "Refund to CPF Board".
Select "Refund Full Amount" or "Refund Partial Amount".
If you have selected "Refund Partial Amount", enter the amount to be transferred.
Read the agreement, then click "Next
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7月29号到期31号回cpf问题不到
我用dbs两次都是隔天到
From hardwarezone
Just for info.
I pressed the button on UOB internet site to return CPFIS Account money to my CPF OA at 8.25pm on Wed 27 Dec. I just checked. The money is already in my CPF OA at 1.30pm Thu 28 Dec. I did it earlier than i had wanted because some people say it needs 3 working/business days.
为什么要转回去？我都是等半个月后继续买下一期。去cpf看一眼OA可以用来买tbill的总额。
买下一期的tbill时，报一个总额，扣钱的时候银行会把 Investement account+CPFOA 里的一起扣掉。
高手都不转，因为要持续买tbill
新手不懂才转，或者买房要cpf才转。
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对的，你说的没错。Assuming 接下来的 T Bills 收益率还能超过 OA但这个情况是不会一直持续的。随着美联储的降息，T Bills 的收益也会跟着降到 OA 利息以下，到时候还牵扯到要转回 OA。
就如同 2022 年中美联储加息之前，T Bills 的年息长期就是百分之零点几，那时候谁关注过 T Bills 啊。
呵呵可能会降息
但你哪来的胆子敢说降到OA以下？无知者无谓。四十年低通货膨胀，一旦涨起来这么容易降下束？
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OCBC CPF IA总数好像确实是比从OA扣除的多了，但是看不到明细比如投入多少，收益多少，总数多少，只能看到一个余额。还有就是CPF OA扣款的时候怎么扣得有整有零的？xxxxx.xx，即使第一次买T BILL也是有整有零的，不是应该是1000的倍数吗？谢谢！
已经说的很清楚了，收益是1894.8的话，扣cpf是投资额-收益,收益先给你了。
100,000100,000×0.038
÷365×182=98,105.20
÷365×182=98,105.20
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