National debt can generally be divided into voucher-type national debt, electronic national debt and book-entry national debt. Voucher-type treasury bonds are not suitable for early redemption because of their high returns but poor liquidity. Book-entry treasury bonds have low returns, but good liquidity and can be traded at any time. You can choose the type of national debt that suits you according to your family situation.

Extended data:

First, the security of national debt:

The issuer of national debt is the state, which is a debt certificate issued by the state to investors and promises to pay interest and repay the principal within a certain period of time. National debt has the highest credit and is recognized as the safest investment tool. National debt can be said to be zero risk.

Second, the flexibility of national debt:

The elasticity of national debt is basically the same. Early withdrawal or redemption is supported, and interest is settled by interest. The longer the deposit time, the higher the interest rate will be. National debt can be renamed and pledged, but national debt has only three years and five years.

Third, the yield of national debt.

According to this year's national debt issuance rate, the three-year interest rate is 4% and the five-year interest rate is 4.27%. 3- 1 1 month, every month 10-20 at the bank counter, while stocks last.

Fourth, the threshold for buying government bonds.

The threshold deposit of national debt only needs 100 yuan, and the par value types of national debt generally include 100 yuan, 500 yuan, 1000 yuan, etc.

Verb (abbreviation of verb) is the method to improve the success rate of purchasing national debt;

1. In view of the large number of people, banks that issue government bonds can queue up in advance. Although the absolute amount of national debt issued each time is not small, due to the nationwide issuance, it is inevitable that there will be a situation of "more than enough porridge".

2. The choice of time. Buyers should be clear about the specific time of issuing national debt every month. If you are not clear, you can go to the relevant bank in advance to get information and master the time rhythm. Treasury bonds are generally officially sold at 8: 30 on the same day, and the business hours of bank outlets are mostly at 9: 00 in the morning. Therefore, it is best to purchase e-government bonds through online banking or mobile APP (for example, prepare Lenovo V 14 10th generation Core Windows 10 notebook computer, or Huawei P30 HarmonyOS System 2.0) to familiarize yourself with the operation process in advance.

3. Prepare the purchase funds in advance. Due to the large amount of funds that may be involved in the purchase of national debt, the purchaser should prepare the funds in advance and collect the funds into different accounts so as to facilitate the operation when purchasing.

4. Open the national debt account in advance. If it is the first time to buy electronic government bonds, you need to open a government bond custody account, and those who are interested in buying government bonds need to open it at the bank counter. Some banks can also be opened through online banking. It is best to consult the bank for details.