MoneyHero 評測報告:股票戶口收費大比併 銀行證券行佣金相差可逾35倍 揀錯戶口股息收入少四成

香港,2022 年 6 月 17 日 - (SEAPRWire) - 2022年以來環球股市表現反覆,新冠疫情、俄烏戰事、美國加息令股市動蕩,投資回報難免縮水,投資者除了要根據市況調整持倉,亦要留意投資戶口收費細節。 MoneyHero推出第三份評測報告,協助投資者了解股票戶口收費,節省交易成本。報告揀選超過30個市面上較熱門的銀行和證券行股票戶口,從港股、美股、A股交易佣金、代收股息費、存倉費、抽新股費用等一一比較,發現實際交易時銀行和證券行港股佣金相差可達25倍,美股交易相差更高達35倍。此外,代收股息費更可能佔股息收入近四成,蠶食投資回報。 銀行證券行買賣港股佣金相差高達25倍 經平台整合資料,網上交易港股佣金率普遍為0.15%至0.25%,證券行由約0.03%至0.25%不等,部分證券行提供免佣服務。MoneyHero團隊以買賣價值HK$1萬的股票為例計算,經大部分銀行買賣的實際佣金支出為HK$100,經證券行買賣最低只需HK$8,與銀行相差12.5倍。若以買賣價值HK$10萬的股票計算,銀行佣金需收取HK$250,證券行最低只需HK$10,相差達25倍。 MoneyHero團隊建議投資者在比較佣金收費時,除了佣金率,還要留意「最低收費」,大部分銀行需收取HK$100,證券行最低收費僅約HK$3,部分證券行更是豁免最低收費。 美股散戶宜留意最低佣金  相差可高逾35倍 MoneyHero團隊提醒美股投資者需特別留意「最低佣金」收費。經計算,每筆交易在200股以內時,仍未超越最低收費的級別,除非涉及數百股交易時才開始另外計算佣金。所以一般散戶如非大手買賣,都是繳付最低佣金,因此「最低佣金」主宰交易成本。以買賣10股總值500美元的股票為例,銀行佣金最高收取35美元,證券行最低只需0.99美元,相差逾35倍。 代收股息費隨時佔股息收入近四成  集中存倉省開支 MoneyHero團隊亦建議買收息股的投資者把同一股票放在同一戶口,以免額外收費。因為代收股息最低收費普遍為HK$20至HK$30,對於一般投資者來說,若同一股票持股數量多為十手八手,每次收股息都不會超越最低收費要求。 以港燈為例,2021年末期股息每股HK$0.1609,若投資者只持有一手港燈(500股),可收到HK$80.45股息,但當中已被扣除HK$30代收股息費,股息收入蒸發近四成(37.3%)。 以另一收息股、息率約4厘的盈富基金為例,2021年末期股息每股派HK$0.54,持有一手盈富(500股)的投資者可收到HK$270股息,扣除HK$30代收股息費後,實收HK$240,費用佔股息收入11.11%。而若投資者持有10手盈富(5,000股),可收到HK$2,700股息,代收股息費同樣為HK$30,佔所收股息比率下降至1.11%。 MoneyHero 展望:虛擬銀行加入投資服務市場 是次評測報告發現,大部分銀行的交易佣金收費均遠高於證券行,但在部分服務上銀行亦較證券行優勝,如豁免現金和孖展認購新股手續費等,惟兩者在孖展利息資訊上都不透明,投資者難以比較。不過投資者在選擇股票戶口時,亦要考慮除費用外的其他因素,如可買賣的產品類型和市場多少、交易平台是否易於使用、應用程式的功能是否足夠等等,以揀選適合自己的股票戶口。 面對競爭,銀行亦推出新產品吸年輕客戶,如滙豐銀行專為18至25歲客戶而設的Trade 25計劃。MoneyHero團隊亦留意到虛擬銀行開始進入投資服務市場圖分一杯羹,如眾安集團旗下ZA One的「新股易」和基金服務,以及Welab Bank的智能理財顧問服務GoWealth。 加密貨幣投資漸受熱捧,傳統證券行如盈透證券和Firstrade亦拓展業務,相繼推出加密貨幣交易服務。MoneyHero團隊預期,傳統銀行、虛擬銀行和證券行之間會繼續在投資服務市場上競爭,尤其是人工智能投資、加密貨幣投資產品、元宇宙相關投資等領域上有更多創新客戶體驗和交易優惠。 歡迎到MoneyHero網站瀏覽精華版評測報告及免費下載完整版評測報告 關於MoneyHero MoneyHero網上個人理財平台全面比較不同金融產品、撰寫專業理財資訊、因應港人的理財需要,度身設計安全可靠的解決方案,亦為用戶帶來一系列獨家折扣、獎賞,以幫助港人全面掌握個人財務健康狀況、增進金融理財知識,從而找到最適合自己的金融產品、建立理財信心、達至穩健財務未來。 MoneyHero深得港人支持,聲譽卓著,每月有超過100,000名用戶經MoneyHero網站申請金融產品,瀏覽人數更覆蓋全港70%勞動人口,規模為全港第一。MoneyHero成立於2013年,母公司Hyphen Group為東南亞領先金融科技集團,業務遍布六大市場,包括香港、馬來西亞、菲律賓、新加坡、台灣、泰國。 此新聞稿由 MoneyHero 發出,如有任何查詢,歡迎與MoneyHero聯絡: Fanny Wong 電郵: fanny.wong@moneyhero.com.hk Cassie Ho 電郵: cassie.ho@moneyhero.com.hk

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