FirstradeでMMF買いたいけど

今は金利最低水準だから長期債券なんて買えない。MMFみたいな超ど短期債券ファンドで利上げを待って、十分金利が上昇したところで長期債券に乗り換えっていうのがセオリーなんだろうと思う。

FirstradeでMMFを買おうと思うと、どうやら Smart Asset Management Accountっていうのじゃないとだめっぽい。これは年75ドルかかる。visaデビットカードとかもついてきて便利そうだけど。

Online Investing Made Easy ? Convenience and Efficiency in Managing Your Finances - Firstrade Securities Inc.

Firstrade Smart Asset Management Account
In this fast-paced world, the Firstrade Smart Account will offer convenience and efficiency in managing your finances.


With a Smart Asset Management Account, you can consolidate your banking and brokerage services all in to one account. In this fast-paced world, the Firstrade Smart Account will offer convenience and efficiency in managing your finances. A Visa Debit Card, check-writing privileges, and a competitive yield money market fund are offered at a reasonable annual fee of $75.00.

Firstrade Smart Account holders can enjoy enhanced brokerage services for their online stock accounts. Any free standing cash funds will automatically sweep into the money market fund to earn interest.

MMF(Money Market Fund)の代わりになりそうなやつで買えるのはSHVか。２０１２年２月１５日現在で平均残存期間0.39年、加重平均クーポン0.67%、平均最終利回り0.16%、毎月分配。管理報酬0.15%だけど、これを引いた後の利回りが0.16%なのかな？これをFirstradeで買う時は手数料が6.95ドル。。なんか割にあわないな。