Treasury bonds and bank financing methods are different levels of financial products. Treasury bonds are financing instruments issued by the state, and bank wealth management products are financing instruments issued by banks or other financial institutions. For retired people, it is definitely better to believe in national debt.
Why is national debt suitable for financial management of retired people?
In fact, there are two main factors for retirees to choose to buy government bonds:
1. Treasury bonds are highly secure.
National debt is issued on the basis of national credit. National debt is the safest investment product among all investment and wealth management products, and it is called zero-risk investment tool, which is safer than bank deposits.
Want to know that the national debt is equal to the national credit, will the country default? Will the state cheat investors? The answer is definitely not. The state will settle the principal and interest to investors according to the time agreement of the national debt, and the principal can reach 100% safely!
2. The yield of national debt is acceptable.
The yield of national debt is relatively high among all kinds of capital preservation investment and wealth management products at present, with an annual yield of 4% ~ 5%, which is neither high nor low.
Among all kinds of capital preservation products, perhaps only the five-year large deposit certificate of rural commercial banks or the five-year smart deposit of private banks are so high, and even the yield of bank capital preservation wealth management products can not reach the yield of national debt, so from the perspective of yield, it is a wise choice for retirees to buy national debt.
Why is it not suitable for retirees to buy bank financing?
Retirees' pension money is really not suitable for buying bank wealth management products, and there are two other factors:
1. The security of bank wealth management products is low.
There are many kinds of bank wealth management products, including bank self-management, insurance, funds, securities, futures and so on, but the security of any wealth management principal cannot be guaranteed.
The most typical is the bank's futures investment in 2020. The crude oil treasure incident not only lost all the principal, but also owed the bank money overnight. Can the retired old people stand this stimulus and this blow?
2. Beware of being cheated by bank wealth management products.
Banks sell their wealth management products to other financial institutions for their own benefit, so their wealth management products are not so reliable. Because they are some bank salesmen, in order to complete the task, the assessment fooled some old people, and the deposit became an insurance policy.
It is nothing new in recent years that deposits become insurance policies. The old man wanted to withdraw money, and the bank told them that it was not a deposit, but a dividend insurance. At this time, the old people will not get the money. Even if they take it out at no interest, they still lose money in breach of contract, which is not worth the loss. Can retired old people bear this blow?
Summarize and analyze
So retired people have worked hard for most of their lives, scrimping and saving, and saving some money for their old age. This pension money must consider safety, and the principal safety is the most important.
Among the investment and wealth management products, retired people are most suitable to buy government bonds or deposit them in banks. Other risky investment and wealth management products are not recommended to participate. There are also many uncertainties in bank financing, and it is not recommended for retired people to invest blindly.