有买过新加坡国库券的吗？

古道 · 发表于 5-2-2007 16:22:00|来自：新加坡

还是公开一下吧,我也很想知道.

胭脂泪 · 发表于 5-2-2007 22:14:00|来自：新加坡

How do I buy or sell?Online in our POEMS website. But we have two requirements: You need to open a Cash Management account and agree to receiving contracts via e-mail.  How do I make payment? A
Cash Management account is like a savings account and it is from this that we deduct funds from. So prior to buying, you must ensure that there are sufficient funds to cover the purchase. Customers can transfer money into their Cash Management account by submitting cash or a cashier抯 order at our main office on the 6th floor of the Phillip Investors Centre at Raffles City (Tower B). Funds can also be transferred through the ATM machine into your Cash Management account via Electronic Payment of Shares (EPS). Alternatively, payment can be made using cheques addressed to 揚hillip Securities Pte Ltd? Cheques must be submitted 2 days before purchase date to allow for sufficient clearing period.

胭脂泪 · 发表于 5-2-2007 22:13:00|来自：新加坡

What are the key differences between Treasury Bills & Fixed Deposits?<table class="MsoNormalTable" cellpadding="0" width="80%" border="0" style="WIDTH: 80%; mso-cellspacing: 1.5pt; mso-padding-alt: 3.75pt 3.75pt 3.75pt 3.75pt;"><tbody><tr style="mso-yfti-irow: 0;"><td valign="top" width="33%" style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 3.75pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 3.75pt; PADDING-BOTTOM: 3.75pt; BORDER-LEFT: #ece9d8; WIDTH: 33%; PADDING-TOP: 3.75pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;"> </td><td valign="top" width="33%" style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 3.75pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 3.75pt; BACKGROUND: #ffcc99; PADDING-BOTTOM: 3.75pt; BORDER-LEFT: #ece9d8; WIDTH: 33%; PADDING-TOP: 3.75pt; BORDER-BOTTOM: #ece9d8;">TREASURY BILLS
</td><td valign="top" width="34%" style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 3.75pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 3.75pt; BACKGROUND: #cccc99; PADDING-BOTTOM: 3.75pt; BORDER-LEFT: #ece9d8; WIDTH: 34%; PADDING-TOP: 3.75pt; BORDER-BOTTOM: #ece9d8;">FIXED DEPOSITS
</td></tr><tr style="mso-yfti-irow: 1;"><td valign="top" width="33%" style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 3.75pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 3.75pt; BACKGROUND: #cccc66; PADDING-BOTTOM: 3.75pt; BORDER-LEFT: #ece9d8; WIDTH: 33%; PADDING-TOP: 3.75pt; BORDER-BOTTOM: #ece9d8;">Who pays the interest? 
</td><td valign="top" width="33%" style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 3.75pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 3.75pt; BACKGROUND: #ffcc99; PADDING-BOTTOM: 3.75pt; BORDER-LEFT: #ece9d8; WIDTH: 33%; PADDING-TOP: 3.75pt; BORDER-BOTTOM: #ece9d8;"><country-region><place>Singapore</place></country-region> Government</td><td valign="top" width="34%" style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 3.75pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 3.75pt; BACKGROUND: #cccc99; PADDING-BOTTOM: 3.75pt; BORDER-LEFT: #ece9d8; WIDTH: 34%; PADDING-TOP: 3.75pt; BORDER-BOTTOM: #ece9d8;">Banks
</td></tr><tr style="mso-yfti-irow: 2;"><td valign="top" width="33%" style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 3.75pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 3.75pt; BACKGROUND: #cccc66; PADDING-BOTTOM: 3.75pt; BORDER-LEFT: #ece9d8; WIDTH: 33%; PADDING-TOP: 3.75pt; BORDER-BOTTOM: #ece9d8;">If I break my contract, will I get any interest? 
</td><td valign="top" width="33%" style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 3.75pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 3.75pt; BACKGROUND: #ffcc99; PADDING-BOTTOM: 3.75pt; BORDER-LEFT: #ece9d8; WIDTH: 33%; PADDING-TOP: 3.75pt; BORDER-BOTTOM: #ece9d8;">Yes, most of it.  Eg if you were buying a 3%, you would probably get back 2.9% if you sold back a few weeks later.   </td><td valign="top" width="34%" style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 3.75pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 3.75pt; BACKGROUND: #cccc99; PADDING-BOTTOM: 3.75pt; BORDER-LEFT: #ece9d8; WIDTH: 34%; PADDING-TOP: 3.75pt; BORDER-BOTTOM: #ece9d8;">If you break contract, usually lose all interests. 
</td></tr><tr style="mso-yfti-irow: 3;"><td valign="top" width="33%" style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 3.75pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 3.75pt; BACKGROUND: #cccc66; PADDING-BOTTOM: 3.75pt; BORDER-LEFT: #ece9d8; WIDTH: 33%; PADDING-TOP: 3.75pt; BORDER-BOTTOM: #ece9d8;">Any minimum Size? 
</td><td valign="top" width="33%" style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 3.75pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 3.75pt; BACKGROUND: #ffcc99; PADDING-BOTTOM: 3.75pt; BORDER-LEFT: #ece9d8; WIDTH: 33%; PADDING-TOP: 3.75pt; BORDER-BOTTOM: #ece9d8;">1,000
</td><td valign="top" width="34%" style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 3.75pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 3.75pt; BACKGROUND: #cccc99; PADDING-BOTTOM: 3.75pt; BORDER-LEFT: #ece9d8; WIDTH: 34%; PADDING-TOP: 3.75pt; BORDER-BOTTOM: #ece9d8;">Usually $30k and above
</td></tr><tr style="mso-yfti-irow: 4; mso-yfti-lastrow: yes;"><td valign="top" width="33%" style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 3.75pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 3.75pt; BACKGROUND: #cccc66; PADDING-BOTTOM: 3.75pt; BORDER-LEFT: #ece9d8; WIDTH: 33%; PADDING-TOP: 3.75pt; BORDER-BOTTOM: #ece9d8;">What charges? 
</td><td valign="top" width="33%" style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 3.75pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 3.75pt; BACKGROUND: #ffcc99; PADDING-BOTTOM: 3.75pt; BORDER-LEFT: #ece9d8; WIDTH: 33%; PADDING-TOP: 3.75pt; BORDER-BOTTOM: #ece9d8;">At Phillip, you pay no commission or clearance fees. We will deduct a spread from the yield that is given to you.   </td><td valign="top" width="34%" style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 3.75pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 3.75pt; BACKGROUND: #cccc99; PADDING-BOTTOM: 3.75pt; BORDER-LEFT: #ece9d8; WIDTH: 34%; PADDING-TOP: 3.75pt; BORDER-BOTTOM: #ece9d8;">If you have no account with that bank, you  need to open a new a/c which requires minimum balance and may incur fees</td></tr></tbody></table>

胭脂泪 · 发表于 5-2-2007 22:12:00|来自：新加坡

去POEM的网页看了后,发现是有T-BILL(短期债券)买的.详细内容如下: Treasury BillsWhat are Treasury Bills? Treasury Bills (T Bills) are a savings product similar to Fixed Deposits. How does it work? T Bills don抰 pay out interest. Rather the interest is included in the price discount. Eg 1 year tenor
 If you placed $100 in a 3% fixed deposit, you would collect $103 at the end of a year. A 1yr T Bill however would be sold to you at $97 and you would collect $100.  Eg 3 month tenor If you placed $100 in a 3% fixed deposit, you would collect $100.75 at the end of the 3 months period.  A 3 mths bill however would be sold to you at 99.252 ($992.5) and you would collect 100 ($1000) at maturity.

胭脂泪 · 发表于 5-2-2007 22:14:00|来自：新加坡

How to withdraw? Clients can log onto the POEMS website with their password and login. Click onto the 揂ccount Management?header, where you抣l be shown a list of functions, one of which is 揥ithdrawal of funds? There are 3 methods of getting your money.  <ul type="disc"><li class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt;">By Cheque. Clients can personally collect cheque from the cashier counter at <place><placename>Raffles</placename>
<placetype>City</placetype></place> , clients can instruct their Trading Representatives to do a quick cheque deposit into their bank accounts, or have the cheque posted to their mailing address.
</li><li class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt;">Funds can be directly credited into POSB/DBS bank accounts. (only these 2 banks are applicable for direct credicting). </li><li class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt;">Telegraphic Transfer (handling fee of $10.50), useful for overseas clients.
</li></ul> Others
What抯 the difference between a T Bill & a Bond?
Main difference lies in length of tenor ?T Bills have tenors of maximum 1 year and below. Bonds tenors are 2 years and above. Do I receive a coupon for T Bill?
No, Treasury bills are zero-coupon products because interest is paid off one time at maturity. There are no periodic interest payments during the time T bill is held. Why are all transactions done online, not on paper?
To cut down on operational costs so that the savings can be passed on to the end customer like yourself. Automating the entire process minimizes transaction costs. Am I guaranteed I will be allocated the specific quantity of T bills that I placed an order for?
No, it depends on the balance of T bills Phillip Securities has available at the time of purchase. Why don抰 I buy other government treasury bills instead? Eg. <country-region><place>Indonesia</place></country-region> interest rates over 11%.
Different governments have different credit risks dependent on the political and economic stability of the countries. Countries that offer government securities with higher risks have to compensate the investor with higher returns.

jjxr · 发表于 6-2-2007 10:18:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用tomatoyun在2007-2-5 15:13:00的发言： 是不是说，在POEMS有买新加坡国库券的，是不是在Raffles City Tower 6<span lang="ZH-CN" style="FONT-SIZE: 10pt; FONT-FAMILY: SimSun; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">楼？和开股票帐号同一层嘛？那么开股票帐号和国库券账号是同一个，还是分开2个？<span lang="ZH-CN" style="FONT-SIZE: 10pt; FONT-FAMILY: SimSun; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">谢谢！如果可以的话，可以答复到我的EMAIL: <a href="mailto:daisy_jin123@hotmail.com">daisy_jin123@hotmail.com</a></div>对，那个地方可以，他们还有其他的营业部，也行。户口可以是同一个，你去问他们开户的人员就行，就是填表签名就行。

东方海外 · 发表于 6-2-2007 10:34:00|来自：新加坡

是不是说，在POEMS有买新加坡国库券的，是不是在Raffles City Tower 6楼？和开股票帐号同一层嘛？那么开股票帐号和国库券账号是同一个，还是分开2个？谢谢！如果可以的话，可以答复到我的EMAIL: <a target="_blank" href="mailto:daisy_jin123@hotmail.com">daisy_jin123@hotmail.com</a>

这点我说一下，尽管我没买过国库券。
你在poems开一个账户，基本上所有的帐户都有了。其实主要是两个：一个交易账户（应该什么交易都可以做），一个资金账户。所有的资金都在资金账户上。你做交易的时候，不论是股票、基金、国库券大概一样，都是从资金账户上自动扣钱。所以，你不需要通过交易员，在网上一切搞定。只有当你超买了，poems才会打电话给你让你补钱。
卖出交易完成以后，钱回到资金账户。不错的一点是资金账户的利息也不差，大约有1%吧。

tomatoyun · 发表于 6-2-2007 17:33:00|来自：新加坡

~{7G3#P;P;~}LS(12TH-17TH)GG JJ~{5DOjO8;X4p!#~}~{NR;9JG8v3uMfU_#,RT:s6`6`V8=L!#~}[em01]

asuperwoman · 发表于 6-11-2007 23:48:00|来自：新加坡

同问。

有买过新加坡国库券的吗？

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