Robinhood Margin 好便宜啊

[spring]

https://robinhood.com/us/en/support/art ... gin-rates/

Margin Balance	Margin Interest Rate
Up to $50,000	5.75%
$50,000 up to $100,000	5.55%
$100,000 up to $1 million	5.25%
$1 million up to $10 million	5%
$10 million up to $50 million	4.95%
$50+ million	4.7%

这都赶上银行贷款利率了吧？

作为对比：

https://www.fidelity.com/trading/margin ... rgin-rates

Debit Balance	Margin Interest Rate
$1 million +	8.25% (3.075% below base rate)
$500,000–$999,999	8.50% (2.825% below base rate)
$250,000–$499,999	10.825% (0.500% below base rate)
$100,000–$249,999	11.075% (0.250% below base rate)
$50,000–$99,999	11.125% (0.200% below base rate)
$25,000–$49,999	12.075% (0.750% above base rate)
$0–$24,999	12.575% (1.250% above base rate)

8.25% rate available for debit balances over $1M.
Fidelity's current base margin rate, effective since December 20, 2024, is 11.325%.

[spring]

最大的风险是 margin call。打算等机会好的话先少量试试。

[spring]

今天开盘用 margin 买了 100 股的 FBTC

Maintenance ratio: 30%

Margin status: Low risk

Robinhood: We’ll charge the margin interest to your investing account every 30 days at the end of your billing cycle.

我都上 margin 了，哪还有钱付利息呢？

Grok: Robinhood charges margin interest to your investing account every 30 days at the end of your billing cycle, even if you have no cash available in your account. Since you're using margin, the interest is typically added to your existing margin balance, increasing the amount you owe Robinhood. This means the interest is effectively borrowed as part of your margin loan, and you’ll continue to accrue interest on the new total balance until it’s paid off.

If your account lacks sufficient cash to cover the interest, Robinhood may not require immediate payment, but the increased margin balance could bring you closer to a margin call if your account equity falls below their maintenance requirements. To avoid this, you can deposit cash or sell securities to reduce your margin balance. If you fail to meet maintenance requirements, Robinhood may sell securities in your account to cover the deficit, with or without your prior approval.

Always review your account status in the Robinhood app under Account → Menu → Margin Investing to monitor your margin balance and billing cycle details. Margin investing carries risks, including the potential for losses exceeding your initial investment, so ensure it aligns with your financial goals and risk tolerance.

原来是可以直接加到 margin 上。

[spring]

卖了 FBTC，margin 买入 200 股 UVIX。它的 maintenance ratio 太高，没敢买多少，怕被强制平仓。

Margin status: Low risk

Ticker	Maintenance ratio
FBTC	30%
UVIX	80%