想趁川普行情投資美股：考量交易成本和便利性，該選「複委託」還是「國外券商」？

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關鍵評論網","url":"https:\/\/www.thenewslens.com\/article\/244783","articleSection":"理財","image":[{"@type":"ImageObject","url":"https:\/\/bucket-image.inkmaginecms.com\/version\/desktop\/1\/image\/2024\/11\/85b3a63e-1500-4464-b392-5dad7829067a.jpg","height":479,"width":800},{"@type":"ImageObject","url":"https:\/\/bucket-image.inkmaginecms.com\/1\/image\/2024\/11\/97508fb2-433c-4cba-b518-0c88fb38d6e6.jpg","height":599,"width":999},{"@type":"ImageObject","url":"https:\/\/bucket-image.inkmaginecms.com\/version\/hd\/1\/image\/2024\/11\/97508fb2-433c-4cba-b518-0c88fb38d6e6.jpg","height":599,"width":999},{"@type":"ImageObject","url":"https:\/\/bucket-image.inkmaginecms.com\/version\/list\/1\/image\/2024\/11\/97508fb2-433c-4cba-b518-0c88fb38d6e6.jpg","height":192,"width":320},{"@type":"ImageObject","url":"https:\/\/bucket-image.inkmaginecms.com\/version\/mobile\/1\/image\/2024\/11\/97508fb2-433c-4cba-b518-0c88fb38d6e6.jpg","height":384,"width":640},{"@type":"ImageObject","url":"https:\/\/bucket-image.inkmaginecms.com\/version\/desktop\/1\/image\/2024\/11\/97508fb2-433c-4cba-b518-0c88fb38d6e6.jpg","height":599,"width":999}],"author":[{"@type":"Person","name":"定方財務顧問","url":"https:\/\/www.thenewslens.com\/author\/dingfang"}],"publisher":{"@type":"Organization","logo":"https:\/\/www.thenewslens.com\/assets\/images\/logo\/tnl_logo.svg","name":"TNL The News Lens 關鍵評論網","url":"https:\/\/www.thenewslens.com"},"keywords":["理財","手續費","國稅局","美股","海外所得","複委託","海外券商"],"dateCreated":"2024-11-14T18:17:45+08:00","dateModified":"2024-11-17T07:55:27+08:00","datePublished":"2024-11-17T07:55:00+08:00","description":"我很早期就開了海外券商帳戶，定期匯錢到帳戶投資，但一直很擔心萬一我突然身故，平常不怎麼經手理財的太太怎麼拿回來？而隨著國內的複委託越來越方便，手續費越來越低，我後來就毫不猶豫地採用複委託啦。","articleBody":"文：洪哲茗（國際特許財務分析師CFA）輝達漲好多，買輝達概念股不如直接買輝達。我也想買美國版的0050。近年來，美股投資成為社群和新聞熱門話題，身邊也有不少人在討論怎麼買美股標的。那作為新手的你該如何開始呢？目前來說，投資海外股票或ETF（主要是掛牌在美國交易所的標的），主要的管道有國內券商複委託，以及直接在國外券商開戶，該選哪個好呢？我們將從三個重點來比較這兩種方式的優缺點，幫助你找到最適合的投資管道。複委託與海外券商：三個比較重點 複委託海外券商交易成本(1)單筆交易手續費0.15~0.50%定期定額有可能更低。(2)同銀行換匯，就不需負擔匯費。(1)交易零手續費 (2)投資人需負擔匯費。稅務風險(1)美國遺產稅風險(2)券商會主動寄送所得資料(1)美國遺產稅風險(2)海外所得課稅舉證便利性(1)部分券商可協助辦理退稅(2)可以定期定額(3)無股利再投入計畫，目前永豐有此功能(1)需自行辦理退稅(2)不可定期定額(3)有股利再投入計畫交易成本：短進短出或定期定額？投資美股的第一個考量是「交易成本」。過去海外券商最大的優勢，就是交易手續費的成本。在國內券商複委託交易手續費「最低」0.50%、最少要收數十美元的年代，即使負擔國外匯款的匯費，在海外券商開戶都是較佳的選擇。不過近年來國內券商開始注重複委託業務，手續費率也因為競爭而大幅下降，甚至為了搶定期定額的客戶，競相推出相當優惠的手續費方案。以我常用的券商舉例，每筆定期定額手續費率0.18%，但是最高只收1美元，假如定期定額金額是1000美元，原本會收1.8美元手續費，但是只會收1美元，相當於費率是0.10%。而且，採用國內複委託的話，投資人不用負擔將錢匯到國外的費用。所以，從交易成本的考量上，喜歡短進短出、交易較頻繁的投資人，建議使用海外券商比較有利；而長期投資、定期定額的投資人，選擇複委託也不會負擔太高的交易費用。稅務風險：遺產稅與所得稅如果你在海外券商投資美股，需考慮稅務風險。如果帳戶所有人身故，國內眷屬除了要傷腦筋如何將錢取回之外（前提是他們知道有這筆海外投資），還要向美國國稅局申報遺產稅。對於非美國稅務居民，超過60000美元的資產部分必須課徵遺產稅，稅率依遺產金額不同，最高稅率可達40%。可能還得請當地的律師或會計師協助處理，又是另一筆花費。當然也有人說，將帳號密碼交給家人，帳戶持有人身故後再偷偷匯回就好，匯回也不要去申報國內遺產稅，就通通不用繳稅啦。這樣的前提，當然是沒被美國或台灣的國稅局查到，否則可是要連補帶罰的喔。（美國國稅局可不是好惹的）另外，從國外匯回的款項，在申報海外所得時，必須要舉證當時匯出的成本，才能計算所得，所以必須保留好紀錄。上述遺產稅問題，複委託也不是沒有。複委託投資人身故時，美國的遺產稅「理論上」仍然要被課，不過中間隔了一個國內券商，查核上更加困難，但也難保未來美國國稅局不會要求券商必須主動告知。至於國內遺產稅與海外所得，因為券商都有資料，所以一定跑不掉啦，只是在申報上會比較方便而已。便利性：投資流程與操作靈活度投資美股配息的稅務處理投資美國掛牌標的時，如果投資標的有配息，會先預扣30%的稅，隔年度再依稅務身分去申請部分退稅。如果是在海外券商開戶，過去都是要自己去申請退稅的，而部分複委託券商則是可以幫投資人申請，相當方便。不過，2024年的最新資訊，某家海外券商也開始幫投資人退稅囉，真是投資人的一大福音。友善小額、定期定額美國的交易所交易是以「股」作為單位，假如每月可投資的金額是新台幣6000元，就無法每月購買每股200美元以上的標的，資金也無法充分投資。而複委託的定期定額，則可以計算至碎股（不滿一股），對於小額、定期投入的投資人來說，相當方便。股利再投入計畫海外券商通常有股利再投入計畫，幫我們自動將配發的股利，再買入該投資標的，複委託則暫時沒有。不過，台股的定期定額已經有股利再投入的機制，相信不久的將來，應該有機會在複委託看到股利再投入的計畫。*2024.9 永豐證券已有美股DRIP股利再投入功能。Photo Credit: Shutterstock \/ 達志影像財務顧問選擇國外券商還是複委託？我的真實經驗談遠在2008年，在研究所教授的啟蒙下，我開了海外券商的帳戶，並定期匯錢到帳戶投資。只是，我一直很擔心，萬一我突然身故，平常不怎麼經手理財的太太，會不會壓根不知道這筆錢？就算有查到，又要怎麼拿回來？所以，我當時有寫了帳戶的密碼給太太，還交待高銀相熟的同事，萬一我真的掛了，再協助我太太處理一下。（真的像在交代遺言）後來，國內的複委託越來越方便，手續費也越來越低，就毫不猶豫地採用複委託啦，而且，是以太太的帳戶來投資，原因也跟上面一樣：萬一我先走，這些投資本來就都在太太名下，不需要轉移；反之，如果不幸的是太太先走，處理這些財務的事，對我來說不會造成麻煩。選擇投資的管道只是理財規劃中的一環，更重要的決策應該是依據目標擬定投資計畫，決定適合自身的資產配置比例，再來選擇投資標的與管道。財務顧問的工作，則是全盤考量客戶的情況，確保客戶是在有充分資訊的前提下，做出人生中的各種重大財務決策。這樣的決策過程或許繁瑣，但是過往幾年的執案經驗告訴我們，當客戶更清楚「為什麼」要這樣做時，自然就會產生理財上的紀律，也會帶來踏實感與安心。如果想了解我們如何協助客戶打造理財上的安定感，歡迎與我們預約30分鐘線上了解財務規劃流程。本文由定方財務顧問授權轉載，原文發表於此延伸閱讀那些因為聯準會降息大買美債的人，為什麼現在都後悔了？《3天搞懂美股買賣》：直接在海外開戶 vs 國內複委託，哪個好？【加入關鍵評論網會員】每天精彩好文直送你的信箱，每週獨享編輯精選、時事精選、藝文週報等特製電子報。還可留言與作者、記者、編輯討論文章內容。立刻點擊免費加入會員！責任編輯：丁肇九核稿編輯：翁世航"}</script> </head> <body class=""> <tnlmedia-header theme="styleLight" lang="zh-tw"></tnlmedia-header> <header id="mainHeader" class="main-header bg-white"> <div class="headers"> <div class="basebar container py-3 pt-lg-5 pb-lg-0"> <div 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class="author" href="https://www.thenewslens.com/author/dingfang">定方財務顧問</a> </small> </small> </div> </div> </div> </div> </div> <div class="imgs-wrapper pt-4"> <div class="imgs container"> <div class="row justify-content-center"> <figure class="col-12 col-lg-11"> <div class="img-wrapper ratio ratio-320x192"> <img class="" alt="f84a1e58-babc-4619-ab41-59ff7fb9babf" src="https://bucket-image.inkmaginecms.com/version/list/1/image/2024/11/85b3a63e-1500-4464-b392-5dad7829067a.jpg" sizes="(min-width: 1400px) 1076px, (min-width: 1200px) 1021px, (min-width: 992px) 856px, (min-width: 768px) 696px, (min-width: 576px) 516px, 90vw" srcset=" https://bucket-image.inkmaginecms.com/version/hd/1/image/2024/11/85b3a63e-1500-4464-b392-5dad7829067a.jpg 800w, https://bucket-image.inkmaginecms.com/version/list/1/image/2024/11/85b3a63e-1500-4464-b392-5dad7829067a.jpg 320w, https://bucket-image.inkmaginecms.com/version/mobile/1/image/2024/11/85b3a63e-1500-4464-b392-5dad7829067a.jpg 640w, https://bucket-image.inkmaginecms.com/version/desktop/1/image/2024/11/85b3a63e-1500-4464-b392-5dad7829067a.jpg 800w, " /> </div> <figcaption class="pt-1 img-froms"> <small class="photo-credit-wrapper text-gray-400"> Photo Credit: 中央社 </small> </figcaption> </figure> </div> </div> </div> </section> <div class="item-wrapper article-body-item-wrapper"> <div class="container"> <div class="row justify-content-center article-body-item-row"> <div class="col-12 col-lg-11 article-body-item-col"> <div class="article-body-item bg-white py-5"> <div class="item"> <section class="authors-wrapper overflow-hidden mb-5"> <div class="card author-wrapper text-bg-light js-author-wrapper" data-author-id="1862"> <div class="card-body card-padding-sm"> <div class="card-body-item d-flex flex-column flex-md-wrap flex-md-row"> <a class="d-flex item-link align-items-center mw-md-58" href="https://www.thenewslens.com/author/dingfang"> <div class="avatar-wrapper bg-white border border-4 border-white rounded-circle ratio ratio-1x1 w-56px h-56px flex-shrink-0"> <img class="author-avatar rounded-circle" alt="定方財務顧問" src="https://bucket-image.inkmaginecms.com/version/list/1/image/2024/05/795293e1-1ca9-47b9-b2f1-239363868d85.jpg" /> </div> <div class="h5 text-link-dark card-title mb-0 ps-2 text-style-link">定方財務顧問</div> </a> <p class="card-text multiline-ellipsis-2 mt-3 mb-0 order-md-3 w-100 h6 fw-normal default-color text-muted">我們的願景是讓每一個孩子都能安心長大、每一個老年人都能享受退休、每一個年輕人都能找到熱愛與所長、每一個人都能感到安心與幸福。我們希望透過文章的傳遞，使人們獲得正確的理財觀念，提升大眾的財務素養，讓每個人認識到財務規劃的重要性。</p> <div class="social-btns ms-md-auto mt-3 mt-md-0 d-flex align-items-center justify-content-center order-md-2"> <a class="btn btn-square-xs btn-link text-link-light social-btn" target="_blank" rel="noopener noreferrer" href="https://www.facebook.com/%E5%AE%9A%E6%96%B9%E8%B2%A1%E5%8B%99%E9%A1%A7%E5%95%8F-102573348985302"><i class="icon fab fa-facebook-f"></i></a> <a class="btn btn-square-xs btn-link text-link-light social-btn" target="_blank" rel="noopener noreferrer" href="https://dingfang.com.tw/"><i class="icon fas fa-globe"></i></a> <button type="button" class="btn btn-primary btn-follow ms-auto ms-md-4 js-follow-author-btn opacity-0 animate__animated">追蹤<i class="icon far fa-heart"></i></button> </div> </div> </div> </div> </section> <section class="border border-primary-800 notch-card mb-5"> <div class="h5 headine simple section-title bg-white">我們想讓你知道的是</div> <p class="h6 fw-normal default-color text-muted mb-0 card-padding-lg"> 我很早期就開了海外券商帳戶，定期匯錢到帳戶投資，但一直很擔心萬一我突然身故，平常不怎麼經手理財的太太怎麼拿回來？而隨著國內的複委託越來越方便，手續費越來越低，我後來就毫不猶豫地採用複委託啦。 </p> </section> </div> <div class="js-advertise ad-content desktop-hide" style="min-height:326px"> <div class="tmgad tmgad-type-flux tmgad-new"> <script type="application/json">{"type":"flux","targeting":{"advertising":["0"],"cabinet":["789088"],"page_key":["article"],"page_name":["article"],"tag_key":["4577","11669","23200","65520","253964","253965"],"tag_name":["\u624b\u7e8c\u8cbb","\u570b\u7a05\u5c40","\u7f8e\u80a1","\u6d77\u5916\u6240\u5f97","\u8907\u59d4\u8a17","\u6d77\u5916\u5238\u5546"],"author_key":["dingfang"],"author_name":["\u5b9a\u65b9\u8ca1\u52d9\u9867\u554f"],"category_key":["personal-finance"],"category_name":["\u7406\u8ca1"],"type_key":["review"],"type_name":["\u8a55\u8ad6"],"channel_key":[],"channel_name":[]},"slot":"\/21870649235\/tnl_a_p0","size":[[336,280],[300,250],[1,1]],"mapping":[[[0,0],[[336,280],[300,250],[1,1]]],[[970,0],[]]],"name":"tnl_a_p0"}</script> </div> </div> <section id="article-content-244783" class="item article-body default-color mb-6 mt-5"> <p class="ck-section">文：洪哲茗（國際特許財務分析師CFA）</p><blockquote><p>輝達漲好多，買輝達概念股不如直接買輝達。</p></blockquote><blockquote><p>我也想買美國版的0050。</p></blockquote><p class="ck-section">近年來，美股投資成為社群和新聞熱門話題，身邊也有不少人在討論怎麼買美股標的。那作為新手的你該如何開始呢？</p><div class="js-advertise ad-content " style="min-height:326px"> <div class="tmgad tmgad-type-flux tmgad-new"> <script type="application/json">{"type":"flux","targeting":{"advertising":["0"],"cabinet":["789088"],"page_key":["article"],"page_name":["article"],"tag_key":["4577","11669","23200","65520","253964","253965"],"tag_name":["\u624b\u7e8c\u8cbb","\u570b\u7a05\u5c40","\u7f8e\u80a1","\u6d77\u5916\u6240\u5f97","\u8907\u59d4\u8a17","\u6d77\u5916\u5238\u5546"],"author_key":["dingfang"],"author_name":["\u5b9a\u65b9\u8ca1\u52d9\u9867\u554f"],"category_key":["personal-finance"],"category_name":["\u7406\u8ca1"],"type_key":["review"],"type_name":["\u8a55\u8ad6"],"channel_key":[],"channel_name":[]},"slot":"\/21870649235\/tnl_a_p2","size":[[640,480],[640,360],[300,250],[1,1]],"mapping":[[[970,0],[[640,480],[640,360],[1,1]]],[[336,0],[[300,250],[1,1]]]],"name":"tnl_a_p2"}</script> </div> </div> <p class="ck-section">目前來說，投資海外股票或ETF（主要是掛牌在美國交易所的標的），主要的管道有國內券商複委託，以及直接在國外券商開戶，該選哪個好呢？我們將從三個重點來比較這兩種方式的優缺點，幫助你找到最適合的投資管道。</p><h2 class="paragraph-title paragraph-title ck-section">複委託與海外券商：三個比較重點</h2><figure class="table"><table style="border-color:var(--theme-table-border-color, var(--theme-border-color));"><thead><tr><th style="border:1px solid var(--theme-table-border-color, var(--theme-border-color));padding:0.5em;"> </th><th style="border:1px solid var(--theme-table-border-color, var(--theme-border-color));padding:0.5em;"><strong>複委託</strong></th><th style="border:1px solid var(--theme-table-border-color, var(--theme-border-color));padding:0.5em;"><strong>海外券商</strong></th></tr></thead><tbody><tr><td style="border:1px solid var(--theme-table-border-color, var(--theme-border-color));padding:0.5em;"><strong>交易成本</strong></td><td style="border:1px solid var(--theme-table-border-color, var(--theme-border-color));padding:0.5em;">(1)單筆交易手續費0.15~0.50%定期定額有可能更低。<br>(2)同銀行換匯，就不需負擔匯費。</td><td style="border:1px solid var(--theme-table-border-color, var(--theme-border-color));padding:0.5em;">(1)交易零手續費 <br>(2)投資人需負擔匯費。</td></tr><tr><td style="border:1px solid var(--theme-table-border-color, var(--theme-border-color));padding:0.5em;"><strong>稅務風險</strong></td><td style="border:1px solid var(--theme-table-border-color, var(--theme-border-color));padding:0.5em;">(1)美國遺產稅風險<br>(2)券商會主動寄送所得資料</td><td style="border:1px solid var(--theme-table-border-color, var(--theme-border-color));padding:0.5em;">(1)美國遺產稅風險<br>(2)海外所得課稅舉證</td></tr><tr><td style="border:1px solid var(--theme-table-border-color, var(--theme-border-color));padding:0.5em;"><strong>便利性</strong></td><td style="border:1px solid var(--theme-table-border-color, var(--theme-border-color));padding:0.5em;">(1)部分券商可協助辦理退稅<br>(2)可以定期定額<br>(3)無股利再投入計畫，目前永豐有此功能</td><td style="border:1px solid var(--theme-table-border-color, var(--theme-border-color));padding:0.5em;">(1)需自行辦理退稅<br>(2)不可定期定額<br>(3)有股利再投入計畫</td></tr></tbody></table></figure><h2 class="paragraph-title paragraph-title ck-section">交易成本：短進短出或定期定額？</h2><p class="ck-section">投資美股的第一個考量是「交易成本」。過去海外券商最大的優勢，就是交易手續費的成本。在國內券商複委託交易手續費「最低」0.50%、最少要收數十美元的年代，即使負擔國外匯款的匯費，在海外券商開戶都是較佳的選擇。</p><p class="ck-section">不過近年來國內券商開始注重複委託業務，手續費率也因為競爭而大幅下降，甚至為了搶定期定額的客戶，競相推出相當優惠的手續費方案。</p><p class="ck-section">以我常用的券商舉例，每筆定期定額手續費率0.18%，但是最高只收1美元，假如定期定額金額是1000美元，原本會收1.8美元手續費，但是只會收1美元，相當於費率是0.10%。</p><div class="js-advertise ad-content " style="min-height:326px"> <div class="tmgad tmgad-type-general tmgad-new"> <script type="application/json">{"type":"general","targeting":{"advertising":["0"],"cabinet":["789088"],"page_key":["article"],"page_name":["article"],"tag_key":["4577","11669","23200","65520","253964","253965"],"tag_name":["\u624b\u7e8c\u8cbb","\u570b\u7a05\u5c40","\u7f8e\u80a1","\u6d77\u5916\u6240\u5f97","\u8907\u59d4\u8a17","\u6d77\u5916\u5238\u5546"],"author_key":["dingfang"],"author_name":["\u5b9a\u65b9\u8ca1\u52d9\u9867\u554f"],"category_key":["personal-finance"],"category_name":["\u7406\u8ca1"],"type_key":["review"],"type_name":["\u8a55\u8ad6"],"channel_key":[],"channel_name":[]},"slot":"\/21870649235\/tnl_a_p6_special","size":[[640,480],[640,360],[320,480],[300,250],[1,1]],"mapping":[[[970,0],[[640,480],[640,360],[1,1]]],[[336,0],[[320,480],[300,250],[1,1]]]],"name":"tnl_a_p6_special"}</script> </div> </div> <p class="ck-section">而且，採用國內複委託的話，投資人不用負擔將錢匯到國外的費用。所以，從交易成本的考量上，喜歡短進短出、交易較頻繁的投資人，建議使用海外券商比較有利；而長期投資、定期定額的投資人，選擇複委託也不會負擔太高的交易費用。</p><h2 class="paragraph-title paragraph-title ck-section">稅務風險：遺產稅與所得稅</h2><p class="ck-section">如果你在海外券商投資美股，需考慮稅務風險。如果帳戶所有人身故，國內眷屬除了要傷腦筋如何將錢取回之外（前提是他們知道有這筆海外投資），還要向美國國稅局申報遺產稅。</p><p class="ck-section">對於非美國稅務居民，超過60000美元的資產部分必須課徵遺產稅，稅率依遺產金額不同，最高稅率可達40%。可能還得請當地的律師或會計師協助處理，又是另一筆花費。</p><p class="ck-section">當然也有人說，將帳號密碼交給家人，帳戶持有人身故後再偷偷匯回就好，匯回也不要去申報國內遺產稅，就通通不用繳稅啦。這樣的前提，當然是沒被美國或台灣的國稅局查到，否則可是要連補帶罰的喔。（美國國稅局可不是好惹的）</p><div class="js-advertise ad-content " style="min-height:326px"> <div class="tmgad tmgad-type-flux tmgad-new"> <script type="application/json">{"type":"flux","targeting":{"advertising":["0"],"cabinet":["789088"],"page_key":["article"],"page_name":["article"],"tag_key":["4577","11669","23200","65520","253964","253965"],"tag_name":["\u624b\u7e8c\u8cbb","\u570b\u7a05\u5c40","\u7f8e\u80a1","\u6d77\u5916\u6240\u5f97","\u8907\u59d4\u8a17","\u6d77\u5916\u5238\u5546"],"author_key":["dingfang"],"author_name":["\u5b9a\u65b9\u8ca1\u52d9\u9867\u554f"],"category_key":["personal-finance"],"category_name":["\u7406\u8ca1"],"type_key":["review"],"type_name":["\u8a55\u8ad6"],"channel_key":[],"channel_name":[]},"slot":"\/21870649235\/tnl_a_p10","size":[[640,480],[640,360],[300,250],[1,1]],"mapping":[[[970,0],[[640,480],[640,360],[1,1]]],[[336,0],[[300,250],[1,1]]]],"name":"tnl_a_p10"}</script> </div> </div> <p class="ck-section">另外，從國外匯回的款項，在申報海外所得時，必須要舉證當時匯出的成本，才能計算所得，所以必須保留好紀錄。</p><p class="ck-section">上述遺產稅問題，複委託也不是沒有。複委託投資人身故時，美國的遺產稅「理論上」仍然要被課，不過中間隔了一個國內券商，查核上更加困難，但也難保未來美國國稅局不會要求券商必須主動告知。</p><p class="ck-section">至於國內遺產稅與海外所得，因為券商都有資料，所以一定跑不掉啦，只是在申報上會比較方便而已。</p><h2 class="paragraph-title paragraph-title ck-section">便利性：投資流程與操作靈活度</h2><ul><li><strong>投資美股配息的稅務處理</strong></li></ul><p class="ck-section">投資美國掛牌標的時，如果投資標的有配息，會先預扣30%的稅，隔年度再依稅務身分去申請部分退稅。</p><p class="ck-section">如果是在海外券商開戶，過去都是要自己去申請退稅的，而部分複委託券商則是可以幫投資人申請，相當方便。不過，2024年的最新資訊，某家海外券商也開始幫投資人退稅囉，真是投資人的一大福音。</p><ul><li><strong>友善小額、定期定額</strong></li></ul><p class="ck-section">美國的交易所交易是以「股」作為單位，假如每月可投資的金額是新台幣6000元，就無法每月購買每股200美元以上的標的，資金也無法充分投資。而複委託的定期定額，則可以計算至碎股（不滿一股），對於小額、定期投入的投資人來說，相當方便。</p><ul><li><strong>股利再投入計畫</strong></li></ul><p class="ck-section">海外券商通常有股利再投入計畫，幫我們自動將配發的股利，再買入該投資標的，複委託則暫時沒有。不過，台股的定期定額已經有股利再投入的機制，相信不久的將來，應該有機會在複委託看到股利再投入的計畫。</p><p class="ck-section">*2024.9 永豐證券已有美股DRIP股利再投入功能。</p><figure class="image image-type-fluid ck-section"><img src="https://bucket-image.inkmaginecms.com/version/list/1/image/2024/11/97508fb2-433c-4cba-b518-0c88fb38d6e6.jpg" data-bucket-id="2880154" width="320" height="192" data-width="999" data-height="599" srcset="https://bucket-image.inkmaginecms.com/version/hd/1/image/2024/11/97508fb2-433c-4cba-b518-0c88fb38d6e6.jpg 999w,https://bucket-image.inkmaginecms.com/version/list/1/image/2024/11/97508fb2-433c-4cba-b518-0c88fb38d6e6.jpg 320w,https://bucket-image.inkmaginecms.com/version/mobile/1/image/2024/11/97508fb2-433c-4cba-b518-0c88fb38d6e6.jpg 640w,https://bucket-image.inkmaginecms.com/version/desktop/1/image/2024/11/97508fb2-433c-4cba-b518-0c88fb38d6e6.jpg 999w" loading="lazy" alt=""><p class="source ">Photo Credit: Shutterstock / 達志影像</p></figure><h2 class="paragraph-title paragraph-title ck-section">財務顧問選擇國外券商還是複委託？我的真實經驗談</h2><p class="ck-section">遠在2008年，在研究所教授的啟蒙下，我開了海外券商的帳戶，並定期匯錢到帳戶投資。只是，我一直很擔心，萬一我突然身故，平常不怎麼經手理財的太太，會不會壓根不知道這筆錢？就算有查到，又要怎麼拿回來？</p><p class="ck-section">所以，我當時有寫了帳戶的密碼給太太，還交待高銀相熟的同事，萬一我真的掛了，再協助我太太處理一下。（真的像在交代遺言）</p><p class="ck-section">後來，國內的複委託越來越方便，手續費也越來越低，就毫不猶豫地採用複委託啦，而且，是以太太的帳戶來投資，原因也跟上面一樣：萬一我先走，這些投資本來就都在太太名下，不需要轉移；反之，如果不幸的是太太先走，處理這些財務的事，對我來說不會造成麻煩。</p><p class="ck-section">選擇投資的管道只是理財規劃中的一環，更重要的決策應該是依據目標擬定投資計畫，決定適合自身的資產配置比例，再來選擇投資標的與管道。財務顧問的工作，則是全盤考量客戶的情況，確保客戶是在有充分資訊的前提下，做出人生中的各種重大財務決策。</p><p class="ck-section">這樣的決策過程或許繁瑣，但是過往幾年的執案經驗告訴我們，當客戶更清楚「為什麼」要這樣做時，自然就會產生理財上的紀律，也會帶來踏實感與安心。如果想了解我們如何協助客戶打造理財上的安定感，歡迎與我們預約<a href="https://dingfang.com.tw/contact" target="_blank" rel="noopener noreferrer">30分鐘線上了解財務規劃流程</a>。</p><p class="ck-section">本文由<a href="https://dingfang.com.tw/family-finance/5755">定方財務顧問</a>授權轉載，原文<a href="https://dingfang.com.tw/family-finance/8655" target="_blank" rel="noopener noreferrer">發表於此</a></p><h2 class="paragraph-title paragraph-title ck-section">延伸閱讀</h2><ul><li><a href="https://www.thenewslens.com/article/244385">那些因為聯準會降息大買美債的人，為什麼現在都後悔了？</a></li><li><a href="https://www.thenewslens.com/article/177541" target="_blank" rel="noopener noreferrer">《3天搞懂美股買賣》：直接在海外開戶 vs 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