The recent decline in bonds has caused panic among some people, who are worried that government bonds will decline in the long term and become other medium- and high-risk products with no guarantee of positive returns.
I believe that the recent decline in the yield of government bonds or other bonds is only short-term, and in the later period, the average annual income can still be guaranteed to be about 4%.
Therefore, we can buy government bonds with confidence and do not need to worry too much about short-term negative returns.
Treasury bonds are short-term, medium-term or long-term bonds issued to citizens or institutions, guaranteed by national credit.
Most treasury bonds are issued through banks, and they are also subscribed at banks. Treasury bonds are a highly profitable product among all financial products. Because they are relatively good financial products, most of them are subscribed internally, and some are not available to ordinary people.
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In recent years, due to the development of the Internet, online banking has become much more convenient. Some financial products no longer need to be processed at the counter. The issuance of government bonds has also become more convenient. 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
Subscription can be made through online banking.
If you can buy it, it is undoubtedly very reliable.
One trillion special treasury bonds. The government report mentioned that 1 trillion special treasury bonds will be issued this year.
Among them, 3000 trillion yuan will be paid by the central government and 7000 trillion yuan will be paid by local governments.
This special treasury bond is mainly 10-year.
Since the specific release form has not yet been announced, it is certain that people will queue up to buy it after it is released, and even if you have money, you may not be able to grab it.
Regarding income, treasury bonds are stable investment tools, and the income will not be very high, but stability is more valuable.
Generally, the yield on government bonds is above 3%, and the yield on special government bonds will be higher. It is estimated that this time it will be above 4.5%.
This rate of return must beat fixed deposits and monetary funds instantly, and is similar to the structured deposits and large certificates of deposit of some small and medium-sized banks.
From this perspective, it is the “king” among low-risk financial management tools.
About risks: Treasury bonds are regarded as risk-free interest rates when estimating the yield to maturity of some equity investment instruments.
What's the meaning?
That is, treasury bonds are regarded by the market as having zero risk.
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 rating is obviously better than that of other small banks.
National debt is guaranteed by the credit of the entire country. No matter how big a bank is, its commercial credit is nothing compared to the national credit.
Because of the low risk and good yield, treasury bonds are a treasure and very reliable in the eyes of low-risk financial managers.
Conclusion: The 1 trillion yuan special treasury bonds that China will issue this time are extremely safe. All the funds raised from this special treasury bonds will be used to fight the epidemic in various places across the country, and provincial governments are not allowed to intercept them.
Of the 1 trillion principal, 300 billion will be paid by the central government and 700 billion will be paid by local governments.
My point of view: You can still buy it if you have money.
First, it supports the motherland’s fight against the epidemic; second, the bond has excellent credit, high safety, and no default risk; third, the interest rate will not be too low and will definitely be higher than the interest rate of time deposits of the same period, so it can be considered
Relatively valuable.
Now the key is: you may not be able to buy it if you want to.
Because most Chinese people are patriotic, believe that China's future will get better and better, are willing to buy China's national debt, and are willing to contribute to the country to the best of their ability.
Nowadays, ordinary people hope that they can master several more investment and financial management methods to make the money in their hands more valuable.
If you simply keep the money in your hands, lend it to others, or deposit it in a bank, you will only reduce your income.
Although you can charge a certain amount of interest by depositing money in a bank, these interests are relatively small.
If you take the money to make other investments and purchase other financial products, the income you can get will be higher, so that you can make money from money.
You will have more assets in your hands, and your assets will increase in value.
Your mood will also improve, and the financial 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, no matter how much assets he has in his hands, they will only face depreciation.
Some people like to buy bonds when they have spare money.
So is buying bonds a good way to manage money?
Should I buy domestic bonds?
1. Buying bonds is very worthwhile. If you don’t want to simply deposit your savings in the bank, but want to make some investments and buy some financial products, buying bonds is a very worthwhile way to invest.