It is safer to buy treasury bonds than voucher bonds and savings bonds. The general term is 1 year, 3 years and 5 years. 1 year means that when it expires after 1 year, the state will return the principal and interest through the bank. The interest rates of these two kinds of government bonds are a little higher than those of bank deposits in the same period. Mainly through the bank to buy. If it is redeemed in advance, 0. 1% of the principal will be deducted as the handling fee, and the interest will be calculated in installments according to the holding time. Take the second-phase certificate-based government bonds issued on May 3, 20 10 as an example, the annual coupon rate of 1 year is 2.60%; 3-year coupon rate is 3.73%; During the same period, the annual interest rate of bank deposits was 2.25% for one year and 3.33% for three years; If you buy voucher-type treasury bonds, the principal will be 6,543,800 yuan, and the one-year treasury bonds will earn more interest in 35 yuan, and the three-year treasury bonds will earn more in 40 yuan every year!
The other is book-entry treasury bonds, which is also to open a treasury bond account to buy treasury bonds. Once this kind of national debt is issued, it will be listed and traded through pilot banks and stock exchanges. However, the annual interest rate of this kind of national debt is relatively low, and some maturities are relatively long, and the longest is thirty or twenty years, which is not suitable for ordinary people to invest. You can bring your ID card to open an account in state-owned banks or securities companies such as ICBC and BOC, and you can buy it. You can buy and sell book-entry treasury bonds at any time, and you can realize them without holding them at maturity; Because book-entry treasury bonds can be bought and sold at any time, their prices fluctuate up and down like stocks. If the price falls when you sell the national debt, you will lose money. On the contrary, if the price rises, you can sell it to earn the difference; After the book-entry treasury bonds expire, the state still pays them at 100 yuan/piece. The minimum transaction volume of book-entry treasury bonds is 1 lot, 1 lot is equal to 10, which is about 1000 yuan. The income from buying book-entry treasury bonds is usually lower than that from voucher and savings bonds! It depends on the market price!