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I. Basic Concepts
What are stocks: Buying stocks means owning a portion of a company, allowing you to share in profits (dividends) and participate in decision-making (voting).
Major Indices:
Dow Jones Index: Tracks 30 large U.S. companies (such as Apple, Boeing).
S&P 500 Index: Covers 500 large companies, serving as a "barometer" of market performance.
NASDAQ Index: Focuses primarily on technology stocks (such as Amazon, Google).
II. Trading Rules
Trading Hours: Monday to Friday, 9:30 AM - 4:00 PM Eastern Time, corresponding to 9:30 PM - 4:00 AM Beijing Time (Daylight Saving Time) or 10:30 PM - 5:00 AM (Standard Time).
Settlement Rules: Uses T+1 settlement (funds and stock delivery completed 1 day after the trading day).
Circuit Breaker Mechanism: When the S&P 500 Index drops 7% or 13%, trading is halted for 15 minutes.
III. Account Opening & Investment
Account Opening Methods:
Overseas subsidiaries of domestic brokers: Such as CITIC and Huatai apps, simple operation with strong compliance.
Overseas licensed brokers: Such as Interactive Brokers (per-share fees), Tiger Brokers (low commissions), requiring USD wire transfers.
QDII Funds: Invest in U.S. stocks indirectly through domestic funds, avoiding the hassle of currency exchange.
Account Types:
Cash Account: Trade with your own funds, no leverage.
Margin Account: Can borrow funds for trading (up to 4x leverage), requires maintaining 25% margin.
IV. Risks & Recommendations
Main Risks: Exchange rate fluctuations, political and economic risks, individual stock risks (such as company delisting).
Advice for Beginners:
Start with index funds (such as S&P 500 ETF) to diversify risk.
Invest with spare money and avoid leverage.
Hold for the long term and avoid frequent trading.
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Regulation Subject
BIYA GLOBAL LLC
BIYA GLOBAL LLC is a licensed entity registered with the U.S. Securities and Exchange Commission (SEC No.: 802-127417); a certified member of the Financial Industry Regulatory Authority (FINRA) (Central Registration Depository CRD No.: 325027); regulated by the Financial Industry Regulatory Authority (FINRA) and the U.S. Securities and Exchange Commission (SEC).
BIYA GLOBAL LLC is a licensed entity registered with the U.S. Securities and Exchange Commission (SEC No.: 802-127417); a certified member of the Financial Industry Regulatory Authority (FINRA) (Central Registration Depository CRD No.: 325027); regulated by the Financial Industry Regulatory Authority (FINRA) and the U.S. Securities and Exchange Commission (SEC).
BIYA GLOBAL LLC
BIYA GLOBAL LLC is registered with the Financial Crimes Enforcement Network (FinCEN), an agency under the U.S. Department of the Treasury, as a Money Services Business (MSB), with registration number 31000218637349, and regulated by the Financial Crimes Enforcement Network (FinCEN).
BIYA GLOBAL LLC is registered with the Financial Crimes Enforcement Network (FinCEN), an agency under the U.S. Department of the Treasury, as a Money Services Business (MSB), with registration number 31000218637349, and regulated by the Financial Crimes Enforcement Network (FinCEN).
BIYA GLOBAL LIMITED
BIYA GLOBAL LIMITED is a registered Financial Service Provider (FSP) in New Zealand, with registration number FSP1007221, and is also a registered member of the Financial Services Complaints Limited (FSCL), an independent dispute resolution scheme in New Zealand.
BIYA GLOBAL LIMITED is a registered Financial Service Provider (FSP) in New Zealand, with registration number FSP1007221, and is also a registered member of the Financial Services Complaints Limited (FSCL), an independent dispute resolution scheme in New Zealand.
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