2020年8月26日星期三

套息：月月賺 400 蚊

下集：又套息：月月賺 375 蚊

近排有兩大套息活動：

  1. 渣打 SC pay 免息免手續費經轉數快系統由信用卡過錢走，每月十萬 (優惠期至年尾)
  2. 眾安銀行十萬免息免手續費 Free Cash (第三期還款前還清)
渣打話就話一個月十萬，但計返 SC pay 同信用卡截數週期，有差唔多 20 日係透支緊二十萬，平均我就當 16 萬。善用埋恆生信用卡找渣打信用卡卡數呢招簡直可以將條數拖到 2046！
眾安只要頭兩期還款準時還款、第三期 full pay 就有利息同手續費回贈，咁梗係借盡最長年期啦！咁樣就唔駛咁快還返走個本
即係未來幾個月新鮮人將會有平均 25 萬「零成本」現金
新鮮人將所有錢放哂係大新銀行活期戶口
因為之前有申請到假出糧優惠 (direct debit)，息口好過唔少定期！
新鮮人好少留現金，長期都係得幾十萬準備 short put 要接貨
大新活期做緊 2.05%，如果夠 80 萬就加到 2.25%
前提係「做足任務」，不過比用 O! ePay 日日嘟八達通洗分，大新任務真係話都冇咁易啦！
就算只係得 2.05% 都好，一個月淨袋利息超過 400 蚊接近 500 蚊！
呢 487.5 × 2 + 300 × 3 = 1875 蚊完全係零成本同埋零風險！
我呢輪真係賺到夠喇，真係好想俾人賺吓！哈哈！

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2020年8月25日星期二

月供股票 年結 IX

咁就供咗 9 年。呢一年香港人經歷咗好多，由武漢肺炎到 《國安法》到 BNO 個個都話走
套用《表姐你好嘢》入面一句：「聯合聲明，完喇﹗一國兩制，完喇﹗基本法，完喇﹗到時港幣大跌、金融大跌、股市大跌、樓價大跌，跌跌跌跌跌﹗」
一日跌咗一年人工 (literally!) 都已經冇乜感覺，因為呢一年香港人學識好多嘢比錢更重要
暫時都未跌到帳面蝕錢…我估都算係一種成就

新鮮人好長時間都只係供 $5,000 一個月，係呢排先加供供到過萬
本身預計 10 年內將會有第一個百萬月供倉
而係一年前左右，即係領展捱近紅底股嗰一排，我覺得今年會上到一百萬
今日得返 70 萬唔夠，咁樣算唔算精神上冇咗 30 幾萬？

粗略估算，我係過去一年月供同埋股息再投資大概 chip in 咗 14 萬左右
而上年（參見：月供股票 年結 VIII）有 72 萬幾，今年反而得返 66 萬鬆 D
放多咗錢落去反而結餘少咗，即係一來一回即係冇咗 20 萬喇！

或者就咁比較兩年利潤：
$245,337.89 → $60,966.07，即係少咗 $184,371.82

依家睇落，似乎係離開香港之前，月供倉都唔會有機會上到一球喇

今年因為武漢肺炎令郵遞服務延誤，年結亦相應推遲。以 20 年 8 月 25 日收市價計，已包括紅股、派息： 利潤 (虧損) = 市值 + 派息 + 沽出 - 成本 - 股息投資 - 買入

股票代號 股數 平均買入價 成本 派息 股息投資 沽出 買入 現價 市值 利潤 / 虧損
0 108 $50.00 $5,400.00 -$5,400.00
3 27282 $9.66 $267,146.52 $34,115.87 $30,540.76 $0.00 $0.00 $11.26 $307,195.32 $43,623.91 16.33%
4 1487 $48.33 $74,836.90 $17,007.69 $16,973.95 $0.00 $0.00 $15.28 $22,721.36 $5,883.49 7.86%
#1097 1085 $0.071 $77.04
#1997 1741 $33.25 $57,888.25
11 125 $87.87 $10,998.30 $5,308.00 $5,293.30 $0.00 $0.00 $122.60 $15,325.00 $4,341.40 39.47%
66 2890 $29.15 $84,548.15 $7,905.89 $7,603.75 $0.00 $0.00 $40.80 $117,912.00 $33,665.99 39.82%
823 658 $75.58 $48,874.35 $1,061.72 $1,922.20 $0.00 $0.00 $62.55 $41,157.90 -$8,576.93 -17.55%
1038 1025 $54.87 $56,486.20 $5,072.02 $4,827.95 $0.00 $0.00 $41.90 $42,947.50 -$13,294.63 -23.54%
1997 1025 $43.18 $44,290.10 $1,832.10 $1,803.85 $0.00 $0.00 $33.25 $34,081.25 -$10,180.60 -22.99%
2588 40 $48.35 $1,934.00 $0.00 $0.00 $0.00 $0.00 $56.35 $2,254.00 $320.00 16.55%
2778 1788 $4.39 $7,954.85 $111.72 $0.00 $0.00 $0.00 $4.03 $7,205.64 -$637.49 -8.01%
3988 5087 $0.39 $41,510.10 $10,779.86 $9,929.14 $38,658.01 $0.00 $2.60 $13,226.20 $11,224.83 27.04%
$643,982.57 $83,194.87 $78,895.70 $38,658.01 $0.00 $0.00 $661,991.46 $60,966.07 9.47%

#1097、#1997 (實物分派方式派發)

參見：實物分派的迷思：0004 九倉、1097 有線、1997 九置
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月供股票 CVIII + 股息投資

0003: 224 @ $11.10 = $2486.40
0066: 49 @ $40.20 = $1969.80
0823: 32 @ $61.75 = $1976.00
1038: 24 @ $40.65 = $975.60
1997: 49 @ $29.95 = $1467.55
2588: 20 @ $48.40 = $968.00
2778: 247 @ $4.03 = $995.41

==================================================

股息投資：
0003: 90 @ $11.10 = $999.00
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DIV.03988 中銀派息

5087 @ $0.18838913 = $958.33

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2020年8月12日星期三

DIV.00823 領展派息 以股代息 「尾數係冇哂架喇！」：大團圓結局

以股代息價：$62.673
560 @ $1.4572 = $816.032 → 13 股 = $814.749 (尾數 $1.283 = 88.0% 每股股息)

14 @ $1.4572 = $20.4008 + $1.283 = $21.6838 (實收 $21.69)

上集：DIV.00823 領展派息 以股代息 「尾數係冇哂架喇！」：上集

今朝一如繼往「work from home」，係小休期間睇吓個市，見到中銀終於跪低，仲收埋尾數 $1.283
中銀冇理由咁好死！咁我又去睇返領展文件，發現睇幾次都睇唔明呢幾句：

不足一整個之新基金單位將不予發行。選擇收取最高數目之新基金單位以代替現金分派之於記錄日期之該等合資格基金單位持有人，或倘應收分派不足以收取一整個新基金單位，則可能出現應收分派餘額，此乃按該等基金單位持有人之基金單位持有量計算可供選擇新基金單位之最高應收分派與按發行價計算將向該等基金單位持有人發行之新基金單位之現金等值總額兩者間之差額。任何分派餘額將以港元結轉（不帶利息）並將計入下一次分派再投資計劃中可供收取之分派（如適用），以釐定於該情況下 閣下可選擇收取之新基金單位數目。
唯有睇埋英文版：

No fraction of a New Unit will be issued. Therefore, if you elect to receive the maximum number of New Units in lieu of a cash distribution, or if your entitlement is not enough to receive a New Unit, a residual distribution entitlement may arise, representing the difference between the maximum distribution available for election of New Units in respect of your unitholding and the total cash equivalent of the New Units based on the Issue Price to be issued to you. Any residual distribution entitlement will be carried forward in Hong Kong dollars (without interest) and added to the next distribution, if applicable, to which a distribution reinvestment scheme is made available to determine such number of new units you may elect to receive on that occasion.
其實睇嚟睇去都係解所有尾數會撥下期，因為冇得發行半股
半股嘅錢就係「應收分派餘額」，而換完一股有剩找返嘅都係「應收分派餘額」
所以之前中銀一直都係鳩噏！
咁中銀遲咗派息，係唔係應該追埋佢利息呢 LOL？
應收 $21.6838，實收 $21.69，唯有精神勝利法當佢已經計咗利息畀我喇，哈哈！
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2020年8月7日星期五

新鮮滾熱辣！制裁名單！

https://www.treasury.gov/resource-center/sanctions/OFAC-Enforcement/Pages/20200807.aspx


Hong Kong-related Designations; Central African Republic Designation

8/7/2020
OFFICE OF FOREIGN ASSETS CONTROL
 
Specially Designated Nationals List Update​​
The following individuals have been added to OFAC's SDN List:

CHAN, Eric (a.k.a. CHAN, Eric Kwok-ki; a.k.a. CHAN, Kwok-ki (Chinese Simplified: 陈国基; Chinese Traditional: 陳國基)), Flat F, 20 Floor, Block 2, Royal Ascot, Shatin, Hong Kong; DOB 05 Apr 1959; POB Hong Kong; nationality Hong Kong; Gender Male; National ID No. G142458A (Hong Kong); Secretary General, Committee for Safeguarding National Security of the Hong Kong Special Administrative Region (individual) [HK-EO13936].

CHENG, Teresa (a.k.a. CHENG, Teresa Yeuk-wah; a.k.a. CHENG, Yeuk Wah), House No. 4, Villa De Mer, 5 Lok Chui Street, Tuen Mun, Hong Kong; DOB 11 Nov 1958; POB Hong Kong; nationality Hong Kong; Gender Female; Passport KJ0221326 (Hong Kong) issued 28 Jan 2012 expires 28 Jan 2022; National ID No. G579067A (Hong Kong); Secretary for Justice (individual) [HK-EO13936].

LAM, Carrie (a.k.a. LAM CHENG, Carrie Yuet-ngor; a.k.a. LAM CHENG, Yuet-ngor (Chinese Simplified: 林郑月娥; Chinese Traditional: 林鄭月娥)), Victoria House, No. 15 Barker Road, The Peak, Hong Kong; DOB 13 May 1957; POB Hong Kong; nationality Hong Kong; Gender Female; Passport KJ0505670 (Hong Kong) issued 13 Apr 2016 expires 13 Apr 2026; National ID No. D3356664 (Hong Kong); Chief Executive of the Hong Kong Special Administrative Region (individual) [HK-EO13936].

LEE, John Ka-chiu (a.k.a. LEE, John; a.k.a. LEE, Ka Chiu (Chinese Traditional: 李家超); a.k.a. "LI, Jiachao"), Flat A, 5/F, Block 2, King's Park Villa, No. 1 King's Park Rise, Homantin, Kowloon, Hong Kong; DOB 07 Dec 1957; Gender Male; National ID No. G0286787 (Hong Kong); Secretary for Security (individual) [HK-EO13936].

LO, Stephen (a.k.a. LO, Stephen Wai-chung; a.k.a. LO, Wai-chung (Chinese Traditional: 盧偉聰; Chinese Simplified: 卢伟聪)), Hong Kong; DOB 19 Nov 1961; POB Hong Kong; nationality Hong Kong; Gender Male; National ID No. E8586768 (Hong Kong) (individual) [HK-EO13936].

LUO, Huining (Chinese Simplified: 骆惠宁; Chinese Traditional: 駱惠寧), Hong Kong; DOB 05 Oct 1954; POB Dangtu, China; nationality China; Gender Male; National ID No. 340103195410053558 (China); Director, Hong Kong Liaison Office (individual) [HK-EO13936].

SOULEYMANE, Bi Sidi (a.k.a. ABASS, Sidiki; a.k.a. ABBAS, Sidiki; a.k.a. BI SIDI, Souleymane; a.k.a. SIDIKI, Abbas; a.k.a. SOULEMAN, Bi Sidi; a.k.a. SOULEMANE, Bi Sidi; a.k.a. SOULIMANE, Sidiki Abass; a.k.a. "Sidiki"), Central African Republic; DOB 20 Jul 1962; POB Bocaranga, Ouham-Pende prefecture, Central African Republic; nationality Central African Republic; alt. nationality Chad; alt. nationality Cameroon; Gender Male (individual) [CAR].

TANG, Chris (a.k.a. TANG, Ping-keung (Chinese Traditional: 鄧炳強)), 1 Arsenal Street, Hong Kong; DOB 04 Jul 1965; POB Hong Kong; nationality Hong Kong; Gender Male; Passport KJ0638810 (Hong Kong) issued 14 Oct 2017 expires 14 Oct 2027; National ID No. D4118015 (Hong Kong); Commissioner of Police (individual) [HK-EO13936].

TSANG, Erick (a.k.a. CENG, Guowei; a.k.a. TSANG, Erick Kwok-wai; a.k.a. TSANG, Kwok-wai (Chinese Traditional: 曾國衞; Chinese Simplified: 曾国卫); a.k.a. ZENG, Guowei), Flat 5F, Block 6, New Jade Gardens, Chaiwan, Hong Kong; DOB 01 Sep 1963; POB Hong Kong; nationality Hong Kong; Gender Male; National ID No. E9963190 (Hong Kong); Secretary for Constitutional and Mainland Affairs (individual) [HK-EO13936].

XIA, Baolong (Chinese Simplified: 夏宝龙; Chinese Traditional: 夏寶龍), China; DOB 01 Dec 1952 to 31 Dec 1952; POB Tianjin, China; Gender Male; Director, Hong Kong and Macao Affairs Office of the State Council (individual) [HK-EO13936].

ZHANG, Xiaoming (Chinese Simplified: 张晓明; Chinese Traditional: 張曉明), China; DOB 03 Sep 1963; POB Taizhou, China; nationality China; Gender Male; National ID No. 11010819630903003X (China); Deputy Director, Hong Kong and Macao Affairs Office of the State Council (individual) [HK-EO13936].

ZHENG, Yanxiong (Chinese Simplified: 郑雁雄; Chinese Traditional: 鄭雁雄), Apt 608, 50 Huali Road, Guangzhou, Guangdong 510623, China; DOB 25 Aug 1963; POB Shantou, China; nationality China; Gender Male; Passport SE0226769 (China) issued 10 Aug 2016 expires 10 Aug 2021; National ID No. 440111196308254212 (China); Director, Office for Safeguarding National Security in Hong Kong (individual) [HK-EO13936].

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2020年8月6日星期四

DIV.00823 領展派息 以股代息 「尾數係冇哂架喇！」：下集

上集：DIV.00823 領展派息 以股代息 「尾數係冇哂架喇！」：上集

今朝「work from home」迷迷糊糊期間，中銀有個林小姐打嚟講領展以股代息件事
大概意思就係中銀今次就冇從領展收尾數，領展下次會點計返畀客就唔知喇！
我：「我見你地同事之前實牙實齒話尾數冇哂我先問咋！」
之後林小姐都係人肉錄音機咁，話下次領展點樣計就唔知喇
如果唔係「做緊嘢」做到迷迷糊糊，我應該會問佢係唔係即係之前話尾數冇哂都係自己鳩噏！

下次我實牛咁眼望住，而且派息之前唔會計任何數、係度計幾多拎股幾多拎息
因為我到呢一刻收到關於派息嘅文件都係講尾數就下期派返
作為投資者，我揀嘅係全數以股代息，有尾數就係再下期拎返
下次冇就證監見！係咁！
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2020年8月5日星期三

DIV.00823 領展派息 以股代息 「尾數係冇哂架喇！」：上集

以股代息價：$62.673
574 @ $1.4572 = $836.4328 → 13 股 = $814.749 (尾數 $21.6838 = 1488.0% 每股股息)

==================================================


今期最 hit 話題都算係中銀領展以股代息：只有股，冇息！
之前地鐵以股代息會蝕尾數，但講緊最蝕都係咁：
以股代息價：$42.22
1352 @ $0.25 = $338.00 → 8 股 = $337.76 (蝕 $0.24 = 96% 每股股息)

80 @ $0.25 = $20.00

當年我有 1432 股地鐵
其中 1352 股有息 $338，換 8 股，而 8 股只係值 $337.76
所以我頭 1352 股係蝕咗 $0.24。一股股息係 $0.25，我蝕咗最盡 96%，但都係有限錢
而剩返 80 股派 $20，係唔夠換一股，中銀係現兜兜落返我戶口

而奇怪嘅地方係：一年前開始連尾數呢 $0.24 都會收得返！
以股代息價：$47.71
2060 @ $0.95 = $1957.00 → 41 股 = $1956.11 (尾數 $0.89 = 93.7% 每股股息)

41 @ $0.95 = $38.95 + $0.89 = $39.84

發現之前以股代息係會蝕尾數，但由今期開始尾數會以現金方式入戶口！

今年領展就勁喇！尾數 $21.6838 一蚊都冇！講緊係 14.88 倍每股股息！
即係講緊總共 574 股入面，本身只係 560 股就有 $816.032 去換總值 $814.749 嘅 13 股
尾數 $1.283、即係 88% 每股股息就冇仇報，睇你呢期好唔好彩！好彩可以一仙都唔蝕！好似之前呢一次咁！
但係 14 股嘅股息 $20.4008 呢？今次中銀就完全冇咗！

咁新鮮人梗係打去問
尋日問，佢叫我自己上網睇領展文件：
不足一整個之新基金單位將不予發行。選擇收取最高數目之新基金單位以代替現金分派之於記錄日期之該等合資格基金單位持有人，或倘應收分派不足以收取一整個新基金單位，則可能出現應收分派餘額，此乃按該等基金單位持有人之基金單位持有量計算可供選擇新基金單位之最高應收分派與按發行價計算將向該等基金單位持有人發行之新基金單位之現金等值總額兩者間之差額。任何分派餘額將以港元結轉（不帶利息）並將計入下一次分派再投資計劃中可供收取之分派（如適用），以釐定於該情況下 閣下可選擇收取之新基金單位數目。
「不足一整個之新基金單位將不予發行。」中銀話呢句係解尾數 $1.283 會冇咗，我就當係真先
「任何分派餘額將以港元結轉（不帶利息）並將計入下一次分派再投資計劃中可供收取之分派」就係講緊 $20.4008 唔派住，下次分派埋！

我尋晚睇完，今日又打去中銀
我問吓睇完文件，話尾數去下期，咁你地銀行見唔見到實質我有幾錢帶落下期
中銀話尾數係冇哂架喇！
我問多次個職員：究竟佢係肯定尾數冇哂，定係今次冇但唔肯定尾數帶唔帶到落下期
「呢份文件只係適用於實物股東，你係經證券公司買係會冇哂！」
「你地 7 月 2 日叫我以股代息嘅信第 5 點，係話叫我自己睇公司文件。咁邊一份文件有寫經股票行買係會冇哂尾數？」
之後就聽講 20 分鐘音樂…聽完音樂返嚟，係話 7 月 2 日封信得 4 點冇第 5 點，話叫我拎封信落分行睇喎！
我仲即場計畀佢聽：以股代息價 $62，即係平均一人冇 $31。我當你有十萬個客，呢度就有三百萬唔知去咗邊。三百萬你地銀行可能好少錢，但證監應該想知舊錢去咗邊。職員就話總知領展冇出呢舊錢畀銀行
我問多一次佢係肯定尾數冇哂吖，定係唔肯定尾數有冇帶落下期
因為如果前者，我就即刻去證監投訴；如果唔肯定，咁我就等，下次冇我先去證監投訴！
之後就叫我留電話之後覆喇！

好在有留低白紙黑字！我真係好想睇吓係唔係有一份嘢通知我會冇哂尾數！

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