부동산에 투자하는 채권인데 7.00% fixed APY라고 합니다. $10 단위로 구매하고 아무때나 인출할수 있다는데, FDIC-insured는 아니라고 하고... APY가 일반 savings에 비해 월등히 높은데, 단점은 무엇이 있을까요?
https://www.compoundbanc.com/
바닥에 중요한 내용이 있네요.
Risk of Loss가 가장 큰 단점이겠죠.
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이 기사도 한 번 읽어보세요: https://www.axios.com/2023/02/18/compound-banc-high-yield-savings-7-apy. 주로 sub prime 부동산에 투자한다고 하네요.
감사합니다!
은행이 망하고, FDIC가 없으면, 이자는 고사하고 본인이 투자한 원금도 못 건질 수도 있습니다. 저는 BlockFI Interest Account에서 10%넘은 이자를 준다고 좋다고 투자를 했는데 회사가 Chapter 11 Bankruptcy 선언했습니;; 물론 투자한 금액이 얼마안되서 그러려니 합니다만.. (작년 주식 손실난 금액에 비하면 진짜 새발의 피죠.. ㅠㅠㅠ)
보통 제도권보다 조금 높은 이자를 준다면 리스크가 있다라고 보셔야 될 것 같슴다. 특히나 FDIC가 안되어 있으면요..
조금만 분산해서 담아보시는 것도.. (Just don't throw all your eggs in one basket~!)
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