Now more and more people have financial needs. The traditional financial management method is bank deposits, such as bank deposits and demand deposits, to earn fixed interest. There is also the money fund, and the interest is higher than the bank demand. Recently, more and more people pay attention to a financial management method, that is, national debt, but everyone is not familiar with this method. So will you lose money by buying government bonds? What are the characteristics of national debt? Let's analyze it for everyone:

Will you lose money by buying government bonds?

It will lose money, but it is unlikely to lose money.

National debt is a bond issued to the society on the basis of national credit, which is extremely safe and basically risk-free. If investors hold maturing treasury bonds, they will generally not lose money, and the income depends on the number of purchases, the maturity of treasury bonds and the expected rate of return. Generally speaking, the expected yield of long-term treasury bonds is higher.

Whether to buy government bonds at a loss depends on market conditions and investors' operational ability. If investors buy book-entry treasury bonds or transactional treasury bonds, they may lose money because the prices of these two types of treasury bonds are floating. When the market situation is bad, the price is lower than the cost, and investors will lose money if they buy high and sell low.

What are the characteristics of national debt?

1, with high security.

The issuance of national debt is guaranteed by national credit, so there is almost no need to worry about credit risk. The safety factor is extremely high, and investors can basically get the principal and expected income safely.

2. The interest rate is very high.

The interest rate of national debt is determined according to the average interest rate of various securities in the financial market, and the interest rate is relatively high. Among the investment products with the same risk, the interest rate of national debt is relatively high. The longer the general investment time, the higher the interest rate.

3. There are many purchase channels.

Investors can bring relevant documents to the bank counter or brokerage business department to buy, or they can operate and buy directly on the mobile APP, which is more convenient and there are many ways to buy.

4. Stable income

After the national debt fractional line, coupon rate is fixed, so it is not easily affected by market changes, and there is almost no risk brought by market interest rate fluctuations, so the income is relatively stable.