The recent decline in bonds has caused some people to panic, fearing that the national debt will fall for a long time and become other medium and high-risk products, which cannot guarantee positive returns.
In my opinion, the recent decline in the yield of national debt or other bonds is only short-term, and the average annual yield in the later period can still be guaranteed at around 4%.
So you can buy government bonds with confidence and don't care too much about short-term negative returns.
National debt is a short-term, medium-term or long-term bond issued to nationals or institutions with national credit as the guarantee.
Most of the national debt is issued through banks, and the subscription is also in banks. National debt is a product with higher income among all wealth management products. Because it is a good financial product, most of them are internal subscriptions, and some ordinary people can't subscribe.
In recent years, due to the development of the Internet, online banking is much more convenient. Some wealth management products do not need to go to the counter, and it is also convenient to issue government bonds. However, the interest rate is not as high as before, but it is still the first choice for investment. As long as government bonds are issued, anyone can buy them through online banking.
If you can buy it, it is undoubtedly very reliable.
As mentioned in the government report of one trillion special treasury bonds, 1 trillion special treasury bonds will be issued this year. Among them, 3,000 trillion yuan will be paid by the central government and 7,000 trillion yuan by local governments. This special national debt is mainly based on 10 year.
Since the specific delivery form has not been announced, there will definitely be people queuing to buy after delivery, and money may not be grabbed.
On the yield national debt is a stable investment tool, the yield will not be high, but it is stable. The yield of general government bonds is above 3%, and the yield of special government bonds will be higher. It is estimated that it should be above 4.5% this time.
This rate of return is definitely a spike in time deposits and money funds, similar to the structured deposits and large deposit certificates of some small and medium-sized banks. From this perspective, it belongs to the "king" of low-risk financial management tools.
Risk-free national debt is regarded as risk-free interest rate when some equity investment tools predict yield to maturity.
What do you mean? That is, national debt is regarded as zero risk by the market. Bank deposits are guaranteed by the bank's commercial credit. Why do we think ICBC is good? Because of its large scale, ICBC's credit is obviously better than other small banks.
National debt is guaranteed by the credit of the whole country. Compared with the national credit, the commercial credit of the largest bank is simply not worth mentioning.
National debt is a treasure in the eyes of low-risk wealth managers because of its low risk and good yield.
Conclusion: The security of the 1 trillion yuan special national debt to be issued in China this time is extremely reliable. All the funds raised by this special national debt are used to fight the epidemic all over the country, and provincial governments may not withhold them. Of the 1 trillion principal, 300 billion will be paid by the central government and 700 billion by local governments.
My opinion: money can still be bought.
First, support the motherland in fighting the epidemic;
Second, the bond has excellent credit, high security and no default risk;
Third, the interest rate will not be too low, and it will definitely be higher than the time deposit rate of the same term, which can be regarded as a relatively safe value.
The key now is: you may not be able to buy it if you want to. Because most people in China are patriotic, they believe that China's future will be better and better, and they are willing to buy China's national debt and make their own contribution to the country.
Nowadays, ordinary people hope that they can master several investment and financial management methods to make their money more valuable. If you simply put money in your hand, or lend it to others, or deposit it in the bank, it will only reduce your income. Although you can charge some interest for saving money in the bank, these interests are relatively small.
If you put your money out for other investments and buy other financial products, you will get higher returns, so you can go to Qian Shengqian. You will have more assets in your hand and your assets will increase in value. Your mood will also be better, and the economic pressure in your life will not be so great.
Therefore, it is very important for a person to learn to invest and manage money. Otherwise, even if he has more assets in his hand, he will only face devaluation. Some people have spare money and like to buy bonds. So buying bonds is a good way to manage money? Should I buy domestic bonds?
1. It is worthwhile to buy bonds.
If you don't want to simply deposit your savings in the bank, but want to make some investments, buy some wealth management products, and buy bonds is a very worthwhile investment method. First of all, the income it can get from buying bonds will be higher than that from the bank alone. Secondly, the risk of buying bonds is relatively low. So when you buy bonds, you don't have to worry about losing money at all.
For some small whites who manage money, buying bonds is very suitable for them. Now the bond industry is very mature, and bonds are also very mature investment products, which are very trustworthy. There are also many investment institutions specializing in buying bonds in the market. If you think you don't know how to buy bonds. You can consult these institutions or give them money to invest in you.
It is good to have money to buy national debt.
Some people say that if you buy bonds, is it better to buy domestic bonds or foreign bonds? In fact, buying domestic bonds is also very good. Now China's financial market is also developing well, and buying domestic bonds can also make money. There are many kinds of bonds, including book-entry bonds, electronic savings bonds, voucher bonds and bearer bonds. These bonds have their own advantages.
When buying bonds, we can distinguish and classify these categories to see which kind of national debt will be better. If you want to buy bonds, remember not to buy corporate bonds. Buying corporate bonds is risky. And it is possible to lose money, and the possibility of loss is also great. So if you have money to buy bonds, you must buy government bonds, not corporate bonds.
3. The income from buying government bonds can be guaranteed.
Anyone who has bought government bonds knows that the income from buying government bonds can be guaranteed, because the yield of government bonds can be said to be very stable. If you buy government bonds, there is basically no possibility of losing money. The so-called national debt is the bond issued by the state, which belongs to the bond type with the lowest risk coefficient and can make the people feel very at ease.
Therefore, buying government bonds is a reassuring investment and financial management method. Can make your capital, get maximum protection, you don't have to worry about buying government bonds will lose money.
Generally speaking, buying bonds is a very good way to invest and manage money. If you buy bonds, you must buy government bonds, which is worthy of our trust. The risk of national debt will be very low and the income will be stable.
To be sure, national debt has always been the most reliable investment product for the general public, but there is no latest news about the sale of 1 trillion yuan of special anti-epidemic national debt, especially whether it will be publicly issued to the society is still unknown, so it is still not possible to buy special anti-epidemic national debt. Of course, if you decide to issue it to the public, it is undoubtedly worth buying. After all, the yield of special government bonds due in 10 year should be above 4.5%.
Moreover, the word "anti-epidemic" is included in the special anti-epidemic national debt, which undoubtedly reflects the cohesion of all Chinese people. I think everyone in China will do their best. Compared with the investment in savings bonds, the special anti-epidemic national debt is a special measure in a special period. In a way, it is a kind of patriotic education.
However, the issue of special national debt is controversial. Some people say that it should be directed to banks, insurance and other financial institutions, while others support that part of it should be distributed to the public. If it is the latter, then all of us have the opportunity to participate. Judging from our past two special bond issues, the first issue 1998 was 270 billion yuan for banks, while the second special bond issue in 2007 was 0.2 trillion yuan for the public.
In short, the special anti-epidemic national debt is the embodiment of our joint fight against the epidemic, which will definitely arouse everyone's desire to buy, no matter how many shares are eventually issued to the public. I believe everyone will be snapped up. In addition, the electronic government bonds released on June 10- 19 this year are coming soon, so you can buy them first.
National debt,
Personally, if you have a lot of money, you can do some configuration.
The liquidity is relatively poor, usually 3 or 5 years, or 10 years.
There are no special conditions for buying government bonds, as long as you have enough funds, bring your own identification. As far as China is concerned, there are only two kinds of national debt: book-entry and voucher.
Buy coupons with ID cards and money to go to banks, postal savings and other outlets to buy during the issuance period; A book-entry buyer can go to a bank or a securities company because it is a transferable creditor's right. Open a securities account and you can buy it at any time.
As for the minimum amount, um, the face value of each national debt is 100 yuan, the first hand is 10, and the marketing unit is 1 0, so the minimum amount is 1000 yuan. What we are talking about here is voucher type, because it is non-negotiable. In the market, bookkeeping transactions are the prices at that time. For example, the face value of 100 may reach 130 yuan or only 90 yuan.
The last profit point problem. National debt is a financial product with little risk (not counting countries in war), and the income is directly proportional to the risk. Under such a small risk, it is not reliable to get rich by national debt. So what is the profit point of national debt? Say a concept, asset pricing theory divides asset prices into two parts: risk-free return+risk premium. This risk-free income does not mean that there is absolutely no risk, but that the risk is very small and can be ignored in general. Under this definition, the interest rate of national debt becomes risk-free income.
So the profit point is to earn more interest under the condition of capital preservation (TM negative interest rate relative to deposit interest rate). If you look at it from the perspective of traditional aunts and grandfathers, you can earn money to buy food. From the perspective of economics, there is basically no profit point (the problem of opportunity cost and risk income)
National debt is suitable for people who are afraid of risks and have no time to manage their finances. Generally, they will at least buy the bank's wealth management products, which is about 1 point higher than the national debt yield in the same period or even more.
Treasury bonds, commonly known as "Phnom Penh bonds", are favored by traditional domestic investors because of their tax exemption and safety. The rate of return is generally slightly higher than that of bank time deposits in the same period, which is suitable for cautious investors such as the elderly.
Buying government bonds as savings is also risky. Although the government has a good reputation, the adjustment of interest rates and inflation have brought certain risks to the national debt.
Interest rate risk refers to the risk brought to investors by changes in market interest rates that affect the price of the securities market. The change of interest rate is opposite to the change of securities price. Interest rate goes up, securities price goes down, interest rate goes down and securities price goes up. Interest rate risk is the main risk of national debt.
Generally speaking, the coupon rate of national debt is determined at the time of issuance. During the validity period of bonds, the market interest rate will rise due to some factors. If investors in government bonds continue to hold government bonds, they will suffer the risk of interest rate loss. If they want to sell government bonds, they will also bear the risk of falling government bond prices. At this time, investors holding government bonds cannot avoid interest rate risk. Usually, under the condition of the same interest rate change, long-term treasury bonds are much more affected than short-term treasury bonds, that is, the interest rate risk of long-term treasury bonds is greater than that of short-term treasury bonds.
National debt is unreliable. What else is reliable? National debt is a bond issued by the state with its own reputation. So is the RMB. If the national debt defaults, won't the RMB become a blank sheet of paper?