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IB Margin rate is Benchmark rate (BM) + ?%

Interactive Brokers (IB) offers competitive margin rates, which vary based on the account type (IBKR Pro or IBKR Lite) and the amount borrowed. Here are the current rates for USD accounts:

IBKR Pro:

  • Up to $100,000: Benchmark rate (BM) + 1.5% (approximately 6.33%)
  • $100,000 to $1,000,000: BM + 1.0% (approximately 5.83%)
  • $1,000,000 to $50,000,000: BM + 0.75% (approximately 5.58%)
  • Over $50,000,000: BM + 0.5% (approximately 5.33%)

IBKR Lite:

  • All amounts: BM + 2.5% (approximately 7.33%)
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Replies, comments and Discussions:

  • WS Margin Account Rate Prime-0.5 +2

    我刚刚开了WealthSimple 的Margin Account, 自己得放30%,所以我放了$1000,total buying power is around 3300. 我准备买$2000的ETF, 比如VDY, 当然我的每月分红基本是还利息了,但是利息是可以抵税的,我就指望靠capital gain来增加资产了。

    当然,如果股市大跌,我最多也就是赔了借来的$1000而已 (还有自己的$1000)。我个人觉得这种加杠杆可行,如同用mortgage买房一样。

    大家有什么看法?欢迎交流!

    • 没太看懂,你说如果股市大跌你最多赔掉借来的1k,自己的1k还在?
    • 自己出1000,只买2000,跌20%,net equity 600,刚好够买2000,跌再多就要margin call,不会让跌多过margin的
    • 这么疯狂?简直比得瑟还厉害。买了吗?nasdaq 跌了
    • 刚看到这个帖子一惊喜,Prime-0.5。结果一搜索一看,prime居然是它自己定义的。5.95-0.5,真正的央行prime是3.75。5.95-0.5,要比IB margin rate p+1.0=3.75+0.5还要高。呵呵呵。
      • 央行的是overnight rate, prime 银行的基准利率,有房贷的都熟悉的
        • 这个我当然知道。严格的说只有央行和FED的利率才是Prime,其他的都是基于它的。我嘲笑的是把别人卖100的东西,标价150,然后打折50%的行为。
          • 你楼上说的对,央行的不叫prime rate, 叫overnight rate
      • IB Margin rate is Benchmark rate (BM) + ?%

        Interactive Brokers (IB) offers competitive margin rates, which vary based on the account type (IBKR Pro or IBKR Lite) and the amount borrowed. Here are the current rates for USD accounts:

        IBKR Pro:

        • Up to $100,000: Benchmark rate (BM) + 1.5% (approximately 6.33%)
        • $100,000 to $1,000,000: BM + 1.0% (approximately 5.83%)
        • $1,000,000 to $50,000,000: BM + 0.75% (approximately 5.58%)
        • Over $50,000,000: BM + 0.5% (approximately 5.33%)

        IBKR Lite:

        • All amounts: BM + 2.5% (approximately 7.33%)
        • 你说的rate是USD,上面对比是CAD,WS的USD Prime居然要8.25! WS的P-0.5要50W资产,IB的P+1.0,只要欠款10W以上。
          • CAD ib 的 bm 3.905, +2.5=5.405,央行利率没人称为prime, 商业银行有prime rate 5.95, p-0.5=5.45 很低,房贷利率水平,其他broker p+1以上