Above currency exchange rate change from time to time, it's possible that bank is economic than securities firm broker (e.g. USD to HKD, transfer w/o remittance fee). 2025 August update: ~23 – 30 pips discrimination, that is, if HKD 78000 sell USD = ~$30 difference (One of bank is economic) (no transfer fee) 2025 August update: ~28 – 36 pips discrimination, that is, if HKD 78000 sell HKD = ~$30 difference (One of bank is economic) (if by cheque) Forex of USD, HKD exchange charge is usually range from ~0.8% (Professional exchange shop) – 1.5% for small amount buy & sell twice (rarely further 1% difference when market is unstable), e.g. suit for small amount exchange / each ETF buy (~ $42,500 without remittance fee) (Use remittance fee is economic for transaction once that larger than this amount). Bond types (Loyal, essential tool): U.S. National Debt (General type: begin to earn after bought ~ 13 days (fast sell price), begin to earn ~ 3% p.a. after bought ~ 23 days, begin to earn ~ 3.5% p.a. after bought ~ 30 days — affect by inflation). Other risk types: Chinalife, Taikang / Bosera specific date preorderination fund, Bank indirect interest ETF types (Market pie: dragon). Real investment > 26% p.a. with average > 25% p.a. gain and ~1% agent fee System rule: " ** AUG 2025 new software function [calculate by AI labor, one click to improve efficiency]: Annum revenues rate 年化收益比率 (Compare with other biggest ETF, e.g. VTI — low management fee, ten years annum revenue rate > 13%. Average, passive ETFs investment revenue of S&P 500 is ~9% p.a. for long term despite flucuation situation in between. Cost is another factor, e.g.: for SPY, buy & sell cost is higher than VOO or some Vanguard ETFs): Accurate data by recent 10-day avg. yearly interest rate, comparable with today per annum interest rate: and feel the transaction decision by scientific data level, e.g. when today yearly interest rate and avg. yearly interest rate > 28% and meanwhile 9RSI arrive 75 or above = potential to reduce share or drop and add share" Actual agent app & HKDS software data statistics ref.: invest an ETF fund result: $915,306.8, earn: ~$40,289.3 e.g. today at 37.73% p.a. gain (for ~1.5 months) Software ETFs deployment and all other investments of Aug 2025 month income ref.: > $50,000 Bond free: Gain solution ref.: Rate: "usually range: ~4–5% p.a. fast sell price: profit [bond yield] after procurement fee cost deduction". Time: "sell at time: ~2.5 of 3rd month or earlier: ~3% – 3.5% p.a. profit (Bond format: 美國中長期國債 3.x% 到期贖日. Choose: 美國中長期國債 4.x% 到期贖日 is better), minus all agent fees include procurement fee costs [Bond], time after 2.5 mths: kept very few old bonds, bought new bonds e.g. > 4% p.a. profit for a period (Accurate expectation: maximum benefit from general bond of agent: ~4% p.a. profit, notes, earlier buy maybe have ~0.1% to ~0.35% economic market price, i.e. > 4% p.a. profit), choose higher int. bond, e.g. choose: Bond 4% 2026/02/15 ($99.946 maybe buy earlier for better profit, "has fast buy option", maybe can ~1% – ~2% p.a. more difference before cost deduction) & Bond 4.5% 2025/11/15 ($100.057), better than Bond 3.125% 2025/08/15 (rose from ~$99.7 to ~$100.05 highest) (Major interest rate = Int. / ~90 days x 365 days / Principal)". 5.8%, 6.3%, 7.6% p.a. (Bond Fund type) revenue after months (Jul 2025). For U.S. National Debt: Bond 5% 2045/05/15 price rose at $102.875 (Aug 2025). Bond 4.75% is second highest. Agent app has yield to maturity interest rate for reference. If Bond name format is low interest but bond yield is very high, this mean: fluctuation of bond price is high that much different bias from hundred. This is possibly lost bond type. Risk is higher. Technical indicators is essential to gain more in about half month short term (e.g. 7% – ~92% p.a.). Since its short term: Agent fee cost needs to be calculated to find the accurate revenue interest rate. User can grab the price to buy and sell at $52.89 (~92% p.a.), e.g. buy face value 1,000: assume cost & asset from $3,999.9 to "around" $4,152, earn: HK $151.98 (cost assume: 50.954 to 52.89, 92.45% p.a.) (US rate 7.85) — Bid-ask spread (~$0.544 for twice difference) — Agent cost (~$30 up for Bond, ~$100 per HKD 100,000 inventory, ~$30 up for ETF, ~$100 per HKD 100,000 inventory) = Actually ~90% p.a. at maximum, if face value ~100,000 investment result for $419,200, Sharapova's birthday :) earn: ~HKD $15,344 at 15 days: Stable indicator software provider: grab best time to buy (Fast buy high price selection) (Has fast sell option): 9am – 3pm, efficient: ~3pm – 5:30pm (after 5:30 = no transaction progresses) + Fast buy button selection, usually higher price than normal buy button + Fast buy button selection, not necessary higher price than normal buy button + Cancel order action is possible, and instantly effective (e.g. above case, after hour no transaction, re-order according to market latest price, buy at an economic price) + Fast buy button selection, will successfully faster trade even "normal buy button" price set at higher price (OTC mechanism requires broker to match, different from ETF: Exchange-traded fund mechanism) + Do not press "Fast buy button" if price is suddenly high (e.g. range ~0.1 or 0.2% p.a. difference), on the other hand, market price usually covers all forex cost, e.g. shortly increase market value that show in app with calculation of ETFs and Bonds: [buy & sell difference] (Happily taste savor of ETFs, Bonds, Time deposit all add together) System automatic calculation method: compare ETF & Bond [Show passed statistic, ETF, Gold & Bond information] Empiricist-transferred channels for increased-arrival capital Transaction notes (Fee, refer to stock agent leaflet): Agent app asset calculation method: Forex pending transfer + Basket of securities = Securities total amount (May fluctuate by US rate & management charge) Agent app asset calculation method: Total asset = Basket of securities + Fund + Bond total amount (Can record in user Excel) Agent app asset calculation method: Hold part of asset before 9:30pm and release when order is transacted, at least ~ two-thirds purchasing power anytime (Notes: For transaction besides market hrs, limit order: price should set near market value / view available sell order shares for instant transaction of purchasing power) (Summer time slot: From second Sunday of March to first Sunday of November) USD to HKD: with Bid-ask spread, can a bit above 7.85 Securities agent capital flow operation & promotion: 2025 mid-year new account: keep > USD $1,328 60 days, has HKD 400 PARKnSHOP coupon, 2025 mid-year new account: keep > HK $80,000 60 days, has HK≈ 1000 TSLA odd lots of shares (Forex am: Usually 1 am to ≈ 10:30 am / < 1 pm one day capital arrival difference for transfer that withdraw from brokers) (Forex am: Usually 1 am to ≈ 10:30 am / < 2:30 pm instant day remittance arrival for transfer that withdraw from bank) (Forex pm: Usually 4 pm to ≈ 9:30 pm same capital arrival for transfer that withdraw from broker) (Fund am: Usually two days after ~8 am arrival for capital that transfer to bank, e.g. received before drop market) (Fund am: Usually one day to get money, if transfer to bank on Friday, Monday p.m. can receive) 2025 mid-year (Old): Exchange difference ref.: 37 pips, e.g. fluctuate from 27 – 47 pips (broker, broker), 155 pips (bank, broker, highest difference) Exchange difference overview: e.g. per HKD 100k, 10 – 18 pips (bank, broker, lowest difference: <= HKD 100k equivalent value transact each time), no max limit