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[投资] 手头闲钱小几十个，有招商 hk 卡，有富途，怎么理财比较好？

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最近看到可以在招商银行换美元，然后打到香港卡上，然后再转到富途

去买美元 5%收益的美元国债或者货基


自己没买过美元的 上面这个操作算合理的吗

1 有必要这么绕吗 能不能直接在香港招商卡上买国债或者货基？或者有比富途更好的平台吗
2 换美元 打款 买理财 貌似都有折损（汇率 手续费） 有什么办法尽量减少这个折损吗



或者大家有别的美元理财建议也可以

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