JP Morgan的premium deposit咋样

今天private client manager跟我说的 我打算把managed brokerage的账户里面的钱转到这里了 APY 3.8 跟我说没管理费 现在主要不明白这玩意算不算存款 跟3.4的discover saving有啥不一样

这个是介绍https://www.jpmorgan.com/content ... osit-disclosure.pdf
https://www.jpmorgan.com/content ... osit-fact-sheet.pdf

重点是这里

Deposits When funds are deposited on your behalf into the J.P. Morgan Premium Deposit, balances are remitted for deposit by JPMS, acting as your agent, into a Demand Deposit Account maintained at Chase Bank. Funds will remain in this account, and you will be paid interest by Chase Bank as described in the “Interest” section until such time as you withdraw funds from the J.P. Morgan Premium Deposit by making a request to J.P. Morgan Advisor. You will need to contact your J.P. Morgan Advisor each time you want to transfer more funds into your J.P. Morgan Premium Deposit. Cash in your investment account not deposited upon your instruction into the J.P. Morgan Premium Deposit will continue to be automatically deposited into the Sweep Option you selected.

另外看了下别人的账户长这样

等于是我把钱给了JPMS的证券账户然后JPMS转到Chase的Deposit account里面去, 然后chase给我利息? 那这玩意跟直接开户存钱相比有啥风险?

请问楼主后来有存这个premium deposit吗？

匿名用户 发表于 2023-4-6 17:09
请问楼主后来有存这个premium deposit吗？

存了 目前拿到第一个月的interest了

匿名用户 发表于 2023-04-07 03:11:42
存了 目前拿到第一个月的interest了

谢谢回复～还想问下存和取的操作都要通过jp morgan advisor是吗？不像self-directed investment account那样可以自己随时操作？

匿名用户 发表于 2023-4-7 10:47
谢谢回复～还想问下存和取的操作都要通过jp morgan advisor是吗？不像self-directed investment account那 ...

可以自己随时存取 不需要通过advisor

匿名用户 发表于 2023-4-9 03:14
可以自己随时存取 不需要通过advisor

今天问了private client advisor, 说premium deposit不能自己存取，要通过他在managed account来操作，大概要2天business day来settle。我也试了一下在self-directed account里搜CWMPD这个product，但搜不到，估计我不能自己操作😂
想知道楼主的自己随时存取是怎么实现的？是不是不同的advisor操作办法也不一样啊...

匿名用户 发表于 2023-4-12 15:26
今天问了private client advisor, 说premium deposit不能自己存取，要通过他在managed account来操作，大 ...

我是通过账户那个界面直接转入转出的 前几天试了下转入没问题 等我试试看转出

匿名用户 发表于 2023-04-12 12:48:27
我是通过账户那个界面直接转入转出的 前几天试了下转入没问题 等我试试看转出

了解谢谢！