風~Infinity~

首先我要先澄清，這不是公司給我的Bonus，也不是加薪
這只是一個美麗的誤會跟愚蠢的交易錯誤
但經過我跟多倫多總公司的專員溝通後，或許他們真的會笨到送我5000美金....
事情的開始是這樣的....
前一篇提到的加拿大最大的多空投資公司 - Horizon BetaPro
他們公司在5月的時候決定在7月31要將旗下所有的基金轉換成對應的ETF
也就是說， 在7月31日時，所有的HBP基金將被賣出，買進對應的ETF
客戶本身的資產並沒有增加或減少，只是持股從基金變成了股票

在7月31日大限前我手上持有兩檔HBP基金 - 放空石油 & 放空黃金
石油的部分我在7月30全部賣出，因為我手上已經有太多HBP放空石油的ETF
也就是說，7月31日當天的轉換應該只有黃金基金，沒有石油基金
但多倫多負責轉換的交易員不知道為什麼以為我還有石油基金，於是又幫我賣出一次
就這樣，我的帳上多出5000多美金，同時還顯示我欠公司1000多股的HBP石油基金

因為我是業界人士，欠公司股數是非常敏感的問題
加上我這個又不是融資帳戶，根本不能有所謂的空單，也就是不能欠任何金額
於是多倫多的財務部門一早就來催討我欠的股數
分行的Admin也收到通知，她一上班就抓我去質問，問我是在搞什麼？為什麼會欠？
廢話....因為我本來帳上就沒有持股，之後又被多倫多賣出1000多股...當然會欠

所以只好自救，由自己來請多倫多的基金部門更正錯誤
但沒想到他們真的是丁丁，還是丁丁中的丁丁....
以下是我跟Representative A的對話：

J: There is a duplicate sell order under my account, can you correct that error for me?
A: But this is not a duplicate order. Are you aware of the mutual fund conversion?
J: Yes I know there is a conversion, but I already liquidate my fund on July 30, how can I liquidate such fund again on July 31?
A: It not a liquidation, it is a conversion. It will be converted into ETF tomorrow. 
J: No no no. If I SOLD all my shares on July 30, that means I own NOTHING as of July 30, are you with me on this?
A: Yes, I saw the trade that you put in on July 30 to sell all of your Oil Short Fund. 
J: Ok, so my question is, if I own ZERO shares on July 30, how can I sell over 1000 shares on July 31?
A: Like I said, there is a conversion, it will be converted into ETF, the cash on your account as of today will be used to purchase ETF stocks tomorrow. So you should see a cash balance of zero tomorrow.
J: Um....I'm telling you that's the cash that I am not suppose to have. And now I owe the company over 100 shares!?
A: I don't know what to tell you, but that 5000 will be used to purchase ETF, which will result a $0 balance in cash. As for the short position in shares, it will be covered by buying shares of ETF.
J: So I will just own 5000 worth of ETF and no cash and no short position?
A: Yes.

根據這位的說法，我帳上本來欠1000多股的基金會被ETF股票取代，現金歸0
但，我本來就不該有這多出來的5000，雖然現在歸0，但我變成多了價值5000的股票~"~
正確的情形應該是： 現金= 0，帳戶上多出5000元的ETF股票，但仍舊欠公司5000元的基金
總之，我不應該欠公司任何東西，我帳上不應該有任何石油股票，也不該有任何現金

而正確的更正方式兩種：
1. 取消多倫多不該賣的那張賣單
2. 用多出的ETF去買回帳戶所欠的基金

但對於公司來說，最好的解決方法是 1
如果用2來解決，公司必須用當天ETF的股價賣出所有持股，並且用上週的基金價買回基金
以最近兩天股市狂漲的情況下，ETF的賣價是沒有基金上週的價值高，所以會有損失
我的帳戶還會被罰利息，因為我欠公司1000多股
既然是公司出錯，這損失+利息當然是算在公司帳上，但選 1 的話就不會有這個問題

所以我很好心的又聯絡可愛的基金部門，這次我找的是該部門的主管B

J: My account was credited 5000 due to short sale of mutual fund by error, can you take a look at my account?
B: Ah~ I see. You are aware of the conversion right?
J: Yup. But you should be able to see that this has nothing to do with conversion.
B: What's your concern Jeff? I see nothing wrong here.
J: Um...My concern is that I shouldn't have this additional 5000 dollars and shouldn't owe over 1000 shares to the Credit dept.
B: Well, but the money will buy back ETF shares, this is the conversion, you know?
J: I know there is a conversion in progress, but that's for those who actually have mutual fund shares in their accounts. I DON'T.
B: Oh! So when we sold the shares in your account, we created a short position then.
J: Exactly! (心想： 他終於搞懂了 ^口^)
B: But what's the problem? It will be covered by the re-purchase of ETF tomorrow.
J: Ok....let me get this straight. The mutual fund is closed, we can no longer PURCHASE this fund anymore. 
(你根本就不懂嘛....T口T)
B: That's right. 
J: So, if I have a short position in that fund, there is no way I can buy its shares to cover that short. 
B: Hum....that's correct 
J: Now, you are telling me that the short position in MUTUAL FUND can be covered by stocks? 
B: Hum...I don't think you can do that....
J: Ok, then here's the deal regarding my account. The conversion shouldn't take place for my account because I did not own any mutual fund as of July 31. 
B: Yes.
J: Then for some reason you guys still "converted" my account, thus creating the short position because I didn't own any shares in that mutual fund on July 31.
B: I see....
J: As you just said, we can't use ETF shares to cover the short in Mutual Fund, simply because mutual funds and stocks are not the same thing.
B: uh huh
J: But you guys have been telling me that it will be covered. To me, I think even if this conversion were to get through, my account should have ZERO CASH, 5000 worth of ETF, and still owing 5000 worth of mutual fund
B: Now I see it. I will look into this and give you a call back.
J: Good. Thanks!
(耶~ 我想這次他真的懂了~)

10多分鐘後....

B: Jeff, I looked into the account, it seems to be ok to me. 
J: Say what!? (這不是丁丁...這不是丁丁啦 T口T)
B: It is common that such conversion would create confusion, but the short position is merely a data entry that was generated from our end. It is not a actual sell, we just had to sell the funds first and then use the proceed to buy ETF.
J: Again, I know that. My question is, with the procedure you just mentioned, it SHOULD NOT create any short position.
B: Why not?
J: Look at it this way. It is a conversion, so we shouldn't gain or lose anything from it. Correct?
B: Yes.
J: Now, if I have 5000 in mutual fund, I should get 5000 ETF after the conversion, 5000 for 5000. Right?
B: That's true
J: So, my case is, I don't have 5000 in mutual fund, but you guys are giving me 5000 ETF!? 
B: We are not giving you 5000 ETF, it's a conversion, Jeff, Do you get this conversion at all?
J: DO YOU!? Look....The credit dept wants me to cover the short position, but it is not my reposibility to cover such position. My branch admin is on my tail thinking that I've violated the Regulations by selling short on a non-margin account. 
B: They shouldn't be worried. It is just a conversion.
J: Well, if you insist on telling me that there is nothing wrong with my account, do you mind sending them a email explaining this situation?
B: Sure, I can do that for you.
J: And, this is just for the record, I noticed this error that brought it to you guys, and you guys told me there is absolutely nothing wrong with my account.
B: That seems to be the case to me.
J: So for that additional 5000 dollars that I think I got FOR FREE, I can just keep it right?
B: I don't see why not, it is your money. Just be aware that it will not be cash, it will be in ETF, you have to sell it if you need the cash.
J: This call is recorded right? In case any dispute arise, I can just refer to this conversation?
B: Yes, we record every call, not to worry.
J: Ok then!

我等著看明天他們是打算怎麼辦....我都已經說這5000是多出來的
如果明天這些丁丁真的送我5000左右的ETF股票，並且勾消我欠公司的股數，那就是我賺到=____=
法律有規定不可私吞錯誤的帳款，所以我才會努力的解釋，我不想惹麻煩啊！
但現在他們卻說那本來就是我的錢，如果真塞給我，那我也只好收下囉  :p
現在有錄音存證，真要有事也怪不到我頭上....

如果....我說如果...他們真的送我這個錢
那我想我會請同事吃個飯，請家人吃個飯，之後再拿去買PS3、Wii Fit、iPod.....
還會寫信謝謝多倫多的丁丁們，跟他們說：丁丁果然是好人！