STOCKings
第 4 章

證券帳戶與現金帳戶

只用一個券商帳號、一個交割戶的話可以跳過這章：所有紀錄都在「預設帳戶」與「預設帳戶 交割戶」，畫面上也不會出現帳戶相關的欄位。

  • 證券帳戶放股票（持股、成本、賣出損益），對券商對帳單。每家券商各自用先進先出算成本，所以分開記，已實現損益才對得上。
  • 現金帳戶放錢（交割戶、分戶帳、銀行活存、期貨保證金），對銀行存摺。兩者多對多：一個證券帳戶可以用好幾個現金帳戶交割。
管理 → 證券／現金帳戶
管理 → 證券／現金帳戶

新增證券帳戶

  1. 在證券帳戶下面的「新增證券帳戶」填名稱（例如「元大-1234」）、券商、類型（一般／信託）、手續費折扣。
  2. 配息匯費（台幣、每筆）與估二代健保是補登配息時預填的；外幣配息代扣稅率預設 30%。
  3. 券商改過配息匯費（例如 7 月起免收）的話，在匯費變動按「加一段」，填起始日和之後的匯費。補登配息時看發放日落在哪一段。
  4. 融資成數、利率、融券保證金成數、手續費率、擔保維持率提醒線照券商設定（預設六成、6.45%、九成、0.08%、130%）。
  5. 交割的現金帳戶預設新建一個同名的交割戶，也可以選既有的現金帳戶。按「新增帳戶」。
新增證券帳戶；紅框是配息匯費的分段
新增證券帳戶；紅框是配息匯費的分段

之後按 ✎ 可以勾選它能用哪些現金帳戶交割，圓鈕選預設。有兩個以上的證券帳戶後，記帳表單會多一個「證券帳戶」選單，頁首「全部帳戶」也可以切到單一帳戶，持股、報酬、紀錄都只算它。

新增現金帳戶（分戶帳、銀行活存、期貨保證金、美元交割戶）

  1. 在現金帳戶下面選種類，或直接從「券商分戶帳方案」挑一家（元大、富邦、群益金鼎、中國信託、凱基⋯⋯），會帶入名稱與券商。
  2. 填名稱、銀行；複委託的美元交割戶幣別選美元。
  3. 想估算利息的填活存年利率（%）（1.5 就是 1.5%），第 9 章的「利息估算對帳」會用到。按「新增現金帳戶」。
現金帳戶表：年利率、餘額、今年利息／費用（綠色利息、紅色費用）
現金帳戶表：年利率、餘額、今年利息／費用（綠色利息、紅色費用）

種類只是標籤，唯一的例外是期貨保證金：只有它能記期貨成交，帳戶總覽把它列在「期貨」（第 12 章）。

持股轉移（集保轉帳）

同一檔從一個證券帳戶撥到另一個（例如換券商）：選標的、轉出帳戶、轉入帳戶、股數、轉移日，按「記一筆轉移」。不是賣出再買進：股數、原始成本和買進日期跟著走，不產生損益；有轉帳手續費就填（記成轉出帳戶的費用）。

持股轉移
持股轉移
Chapter 4

Securities accounts and cash accounts

If you use only one broker account and one settlement account, you can skip this chapter: everything is recorded in the default account (預設帳戶) and its settlement account, and no account fields appear on screen.

  • A securities account holds shares (positions, cost, realized P&L) and matches your broker statement. Each broker works out cost with first-in, first-out on its own, so keep them separate and your realized P&L will match.
  • A cash account holds money (settlement account (交割戶), broker CMA (分戶帳), bank deposit, futures margin) and matches your bankbook. The link is many-to-many: one securities account can settle through several cash accounts.
Manage → Accounts
Manage → Accounts

Add a securities account

  1. Under Securities accounts, in “Add a securities account”, fill in the name (for example “Yuanta-1234”), broker, type (Regular / Trust) and fee discount.
  2. Dividend fees (TWD, per payment) and Estimate NHI premium (二代健保, the NHI supplementary premium) are prefilled when you record dividends; Foreign dividend withholding rate defaults to 30%.
  3. If your broker changed its dividend fee (for example, free from July), click “Add period” under Fee changes and enter the start date and the new fee. When you record a dividend, the pay date decides which period applies.
  4. Set the margin loan ratio, interest rate, short-sale margin ratio, fee rate and maintenance ratio alert as your broker does (defaults: 60%, 6.45%, 90%, 0.08%, 130%).
  5. For Settlement cash account, a new settlement account with the same name is created by default, or you can pick an existing cash account. Click “Add account”.
Add a securities account; the red box shows the dividend fee periods
Add a securities account; the red box shows the dividend fee periods

Later, click ✎ to tick which cash accounts it may settle through, and use the radio button to choose the default. Once you have two or more securities accounts, the entry forms gain a “Securities account” selector, and “All accounts” in the header can switch to a single account so positions, returns and records count only that account.

Add a cash account (broker CMA, bank deposit, futures margin, USD settlement)

  1. Under Cash accounts, choose a type, or pick a broker from “Broker CMA plan” (Yuanta, Fubon, Capital, CTBC, KGI…) to fill in the name and broker.
  2. Fill in the name and bank. For a USD settlement account used for foreign stocks through your broker (複委託), set currency to USD.
  3. To estimate interest, fill in Annual deposit rate (%) (1.5 means 1.5%); the “Interest check” in chapter 9 uses it. Click “Add cash account”.
The cash account table: annual rate, balance, this year's interest / fees (interest in green, fees in red)
The cash account table: annual rate, balance, this year's interest / fees (interest in green, fees in red)

The type is just a label, with one exception: Futures margin. Only this type can hold futures trades, and the account overview lists it under “Futures” (chapter 12).

Holding transfers (TDCC transfer)

To move shares of one instrument from one securities account to another (for example, when changing brokers): pick the instrument, the from and to accounts, the number of shares and the transfer date, then click “Record transfer”. This is not a sale and a new purchase: the shares, original cost and buy dates move with them, and no gain or loss is created. If there is a transfer fee, enter it (it is recorded as a fee of the sending account).

Holding transfers
Holding transfers