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在美股買ETF還是港股買ETF好

投資美股的朋友,相信同時都會買港股,當兩地市場同樣提供近似ETF的時候,你會在美股買ETF,還是近近地在港股買ETF呢🤔?

美股買ETF的吸引地方是流通量比較大,同時基金因為競爭大,管理費普遍都會較低。不過,好多人擔心,美股收息要抽重稅,所以唔划算,事實是否如此?即刻跟大家做過比較👨‍💻👨‍💻👨‍💻。

香港買美股收息抽30%稅

香港及台灣居民要繳交30% 股息稅,而中國居民則需繳付10% 股息稅。不同地方的股息稅不同,主要視有沒有跟美國簽訂稅務協議,以及協議內容而定。

30%股息稅好似很貴,但美國不少投資產品涉及之成本,仍然低於在港交所買賣的同類型產品。

美股VS港股買ETF

以在香港掛牌,領航標普500指數ETF(3140)為例:
💰 股息率:0.89%
💰 年費:0.18%

領航在美國掛牌的標普500指數ETF(VOO):
💰 股息率:1.73%
💰 年費:0.03%。

當我們持有香港掛牌的ETF,雖然股息所得不會直接被徵收股息稅,但投資外國市場的ETF,在收取外國公司的股息時,或會被預扣所得稅,扣減幅度則視乎兩地的稅務協議,所以投資3140所得的股息,遠較VOO少。即使香港投資者持有VOO的股息所得,會被美國自動徵收30%股息稅,但實際收到的股息仍然較3140高。

以投資一萬元💵為例:

3140收到的股息89元,而VOO的股息大約173元,即使扣減30%的股息率,收到嘅錢約121元,仍然多過香港的3140。呢度仲未計VOO年費遠遠低過3140😙。

總括來說,如果同時間港美兩地股市有類近的ETF可供選擇的話,不妨多比較一下才作決定,做個精明的小股民。如果條件相近,筆者會選擇美股,因為股份買賣及資訊流動會比較高。

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