eToro在马来西亚合法吗?(eToro优缺点分析)

by 一弦
3,825 views

eToro这个名字你应该在Youtube上听过不少次吧!近期又听到不少eToro的传言,说eToro是个诈骗平台,投资在eToro不合法等等。。。

这里就帮你整理了eToro到底是什么?可不可以在马来西亚投资?和这个平台的优点和缺点。

eToro是一个社交平台,同时也是投资平台,所有人都可以在这平台上分享和讨论自己的投资组合。我也会有时间看看大家发表的言论,听听看现在的局势如何。

 

很多人误会eToro是一家新创公司,但其实它已经有十多年的历史了。

eToro在2007年成立,是一家以色列公司。

他们的创业使命:让任何人在任何地方都能进行交易,减少对传统金融机构的倚赖。

 

十几年前,交易股票需要打电话通知中介才可以做买卖,现在确实可以直接在网路上做交易了。而eToro也成功在2009年就推出了线上交易,过不久就结合了社交功能,进而诞生出非常特别的东西- 跟单 (CopyTrader)。eToro的特色功能和专利,等下会解释更多。

 

目前eToro提供2,000多种金融产品,遍布各种资产种类,包括股票、指数基金、黄金、石油、加密货币等等。

eToro在马来西亚使用真的安全吗?

来自《中国报》的一篇新闻,eToro遭证监会(SC)列入警示名单。看到这标题,一般人直接飙冷汗:eToro真的安全吗?

eToro会遭马来西亚证监会(Securities Commission Malaysia – SC)列入警示名单,主要原因是eToro并没有跟SC注册

那为何没有注册呢?

其实eToro本身就是个外国公司,跟其他国外交易平台一样(如:TD Ameritrade, FirstTrade, Fidelity, 还有Interactive Brokers) 都没向SC注册执照。

 

但他们都会在当地的证监会注册,eToro就有在欧洲、英国和澳大利亚注册。

公司名称

监管

许可证号

eToro (Europe) Ltd.
(“e投睿欧洲”)

CySEC

eToro (UK) Ltd.
(e投睿英国)

FCA

583263

eToro AUS Capital Pty Ltd.
(“e投睿澳大利亚”)

ASIC

491139

就好像“赌博”在马来西亚是非法的,但如果你到云顶”赌博”就合法了。eToro也是一样的道理,虽然没有受到马来西亚SC的监管,但还是有受到这三个监管机构的资产保护。

万一平台不幸倒闭,影响到投资者在平台上的资金,这时这些监管机构就会出手保护客户在平台上的资金和权益(每个监管机构所保护的项目会有点不同)。

想知道SC怎么回答对eToro列入警示名单的说明,可以看着影片。

eToro的优点和缺点

优点

免费注册(附加十万美金虚拟账户)

对于新手投资者来说,可以有个地方练习是最好不过了。注册时间大约5分钟就可以搞定!

建议刚接触投资的新手可以先注册账号(反正免费),然后利用虚拟账户实作练习看看自己的投资策略是否可行。不然如果还没熟悉操作就入金,一般新手遇到问题会紧张的不得了,损失也会很大(小心使用杠杆)。

刚开始我也是使用这虚拟账户练习,熟悉一下怎么买卖,设定停损,找股票,分析等等。直到你觉得是时候投资真钱了,才考虑入金。

 

我今年转到真实投资账户就没理会虚拟账户了,现在回头看尽然还赚的不少!

虚拟账户练习表

操作简单,清楚页面(手机APP)

页面很干净和清楚,操作方法也很简单,如果有不懂的也可以看教学来操作,超级方便。

我也非常喜欢它的手机APP,真的很方便、好用。在非常时期的时候,不需要一直呆着电脑前也可以查到最新消息。

明星投资者账户公开(跟单)

eToro的特色就是一切都很透明化,如果想知道那些著名投资者在投资什么都可以到他们的账号去看,这里可以举例Spark, Yale 和好叶。

好叶跟单

找到符合自己投资策略的社交圈

找不到可以讨论的对象真的很闷,但在eToro就不用怕找不到。你可以在投资商品的交流区底下发言或跟其他人交流。与其自己想象,不如和其他人交流看看自己的想法是否可以验证。

超低手续费

在eToro买卖股票不需要手续费(没使用杠杆),股票发的股息(被美国扣税以后)也不会被平台征收任何手续费。

 

(只是举例,真实收费需要查询自家银行)

如果是在本地买卖美股就需要25美金的手续费,还没赚钱就已经亏了25美金。请别小看这些手续费,这都是可以降低的买卖成本,所以必需重视。

 

如果是股息的话,在被银行中介征收手续费就真的所剩无几了。

有中文客服

遇到问题的时候,最重要的就是可以直接找到人解决。找到客服寻求答案就非常关键了。

eToro也有提供中文客服,而且都会在24小时内回复讯息。

 

我曾经就有遇过入金的问题,就必须到客服询问怎么解决。虽然每个讯息需要一天的时间回复,但最终还是解决了问题。

出金容易

eToro出金容易,只要申请出金隔天就会收到email通知或电话来电确认。

 

eToro的出金收费也才5美金(今年刚调整从25美金至5美金),不过还是建议尽可能累积大金额才选择出金。

缺点

股票和ETF的商品选择较少

如果你想在eToro找到马股就不可能了,eToro目前最适合用来投资美股。

虽然有2000多种商品选择,不过还是不能盖过全球的商品,所以在eToro可能会找不到你想投资的公司股票或ETF。

但也仅限于小公司,那些全球著名的公司还是会在eToro找到,如:Google, Facebook, Tesla, Netflix, Disney, S&P500,…

总结

eToro并没有非法经营,也有不同国家的监管保护客户资产。

如果对美股投资感兴趣,可以对eToro多多研究。我也有推荐的美股课程可参考这文章 :

最后的最后非常感谢你看完这篇文章希望能为你带来帮助,再给你多十秒的时间想想自己是为了什么而开始投资的呢?

记得留言告诉我哦!

如果这文章有帮助到你也请你分享给你认为会有需要的朋友。

如果对文章内容有任何问题,欢迎在底下留言让我知道。

如果你喜欢我的文章,可以按分享按钮,让更多的人看见我的文章。

还没订阅部落格的朋友们,记得在右上角填入信箱,收到我最新文章的通知。

记得也别吝啬你的手掌,帮我拍拍手,让我获取一些LikeCoin继续创造更好的文章。

或者赞助我请我喝一杯咖啡:https://liker.land/tanyixian96/civic

by 一弦-弦外知音

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31 comments

summer July 19, 2020 - 10:30 am

為了增加新的被動收入而投資????????

Reply
一弦 July 19, 2020 - 4:39 pm

被动收入真的很重要!

Reply
搗蛋王 August 16, 2020 - 7:48 pm

套句yale說的:夢想不搭配行動,夢想只是夢想。

已註冊etoro,一起增加被動收入吧

Reply
一弦 August 16, 2020 - 8:25 pm

哈哈,原来也是Yale的粉丝呀。
一起加油!

Reply
Charles August 16, 2020 - 10:01 pm

天啊版主也賺太多哈哈哈
可以偷偷跟你的單嗎哈哈哈

Reply
一弦 August 18, 2020 - 9:39 pm

哈哈,不敢当

Reply
Jo August 16, 2020 - 10:34 pm

目前也在建立被動收入,看到版主的文章又發現了一個可以嘗試的地方,感謝分享!

Reply
一弦 August 18, 2020 - 9:40 pm

不客气,美股投资是很好的尝试!

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MAX August 17, 2020 - 2:08 pm

沒有被動收入 真的要辛苦工作一輩子

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一弦 August 18, 2020 - 9:41 pm

真的会工作到死!

Reply
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謝謝版主的詳細分享,想試試看註冊一個虛擬戶口試試看用虛擬貨幣進行投資,先學習學習
複製別人的投資組合功能也太好了!

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【美股ETF】快速让你搞懂什么是ETF? 马来西亚也有ETF?! | 弦外知音 October 19, 2020 - 6:41 am

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