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고정금리 달러 예금 (USD)

본 웹사이트나 Quora등을 통해 제 글을 접하는 많은 분들은 익히 알고 계시듯, 장기적 안목으로 접근한다면 예금보다는 투자가 훨씬 나은 선택임을 뒷받침하는 증거는 수 없이 많습니다. 

하지만 경우에 따라서 긴급상황이 발생할 것에 대비해서 일정 금액을 현금이나 예금으로 보유할 필요도 무시할 수 없죠.

많은 분들, 특히 마땅한 상품을 찾는데 어려움을 겪고 계신 해외 거주자나 주재원 분들이 이러한 예금 상품에 대해 문의를 주시곤 합니다.

제가 안내해드리는 고정 금리 달러 예금은 아래와 같습니다.

<기간 및 연이율>

연 1.7% – 3년 

연 2.2% – 5년 

연 3% – 7년 

연 3.5% – 10년

최소 10,000달러부터 시작하실 수 있으며, 필요하시면 초기라도 일부 자금 인출이 가능합니다.

<FAQ>

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Q. 원화, 유로화나 파운드화도 가능한가요?

A. 아니요. 미국 달러만 가능합니다.

Q. 말씀하신 고정 금리는 변동 가능성이 있나요?

A. 이미 계좌를 보유하신 경우라면 그렇지 않습니다. 받으실 금리는 계좌 개설 및 가입 시 고정적으로 확정됩니다.

하지만 리보(LIBOR) 금리가 변동함에 따라 향후에는 앞서 말씀드린 금리가 인상 또는 인하될 변동 가능성이 있습니다.

따라서, 8월에 가입하시는 분들에게 적용되는 금리는 7월에 가입하신 분들의 경우와 완전히 같지 않을 것입니다. 

Q. 전세계 어디에 살든 가입할 수 있나요?

A. 네 거의 모든 국가의 거주자들에게 열려있습니다. 다만, 미국 등 일부 국가의 거주자 또는 시민은 제외됩니다.

Q. 예금자 보호는요?

A. 원금 100% 보장됩니다.

Q. 투자와 비교할 때 얼마 정도를 예금에 두는게 좋을까요?

A. 대다수 분들에게는 본인에게 긴급 자금 용도로 필요한 소액을 현금으로, 그 밖에 추가적으로 좀 더 필요할 만한 적정 금액을 고정 금리 예금에 두시라고 말씀드립니다. 

장기 투자를 하면서도 시장 변동성을 감내할 만한 배짱이 부족한 분들에게는 이러한 고정 금리 달러 예금이 제로 금리에 가까운 현 상황에서 고려할만한 최선의 선택지라 하겠습니다.

하지만, 장기적으로 크게 볼 때 시장 변동성을 두려워하거나 회피할 이유는 없습니다.

Q. 그 밖의 궁금한 점은요?

여기를 통해 문의 주시거나 이메일 등 아래 연락처로 연락주세요.

▶︎이메일: ​[email protected]

▶︎카카오톡 Kakao Talk: adamfayed

▶︎왓츠앱 Whatsapp/ 라인 LINE: +81-90-9851-0589

▶︎위챗 WeChat: Thefayed2 

▶︎링크드인 You can add me here.

▶︎Quora: https://www.quora.com/profile/Adam-Fayed

▶︎유튜브: https://www.youtube.com/channel/UChK5TMy_Yhae6vnyvIDbL7g

▶︎저서: https://www.amazon.co.uk/Steps-Financial-Freedom-Marketers-Independence-ebook/dp/B07DLY168X/ref=sr_1_1?keywords=Adam+fayed&qid=1580138976&sr=8-1

<고객후기>

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