FGMNX也不过3-4%的利息,不值得长线投资。 我是把它当成账户内现金头寸赚取利息的工具罢了。 但是在很多折扣BROKER里面,交易共同基金的手续费远高于ETF,所以需要一个类似的 ETF来取代FGMNX。 I hope the ETF invests only in mortgages from the three government-sponsored and/or chartered mortgage giants: Fannie Mae (FNM), Freddie Mac (FRE) and Ginnie Mae. MBB seems a good choice, the yield is 3.53%, while the fee is 0.34%. But the 3.53% yield is not very attractive; FGMNX offer the 4.35% yield, while the fee is 0.45%. Is there any ETF offer higher yield while keep the fee at similar
If you use long-term (even 2-5 yr) bonds to park short-term (1-2 month) money, the interest rate risk you are taking is much more than the interest you are gaining. Even though rate hiking is not very likely in the near future, market still fluctuates based on changing expectation.