In the last issue, Thinking Encyclopedia told everyone about the differences between China's and the United States' national debt, and why our country's national debt is more attractive. In this issue, we will popularize science for everyone. Domestically, our country's national debt is also highly sought after by investors. And how to increase the probability of grabbing national debt.
From the content of the previous issue, we know that there are many types of national bonds. Today, Thinking Encyclopedia mainly talks about savings treasury bonds that are suitable for ordinary investors. The so-called savings bonds, to put it simply, mean that the state borrows money from everyone, then gives us a voucher, stipulates the redemption time and rate of return, and returns the principal to us with interest after maturity.
In terms of advantages, savings bonds have low risk because they are endorsed by the state. From the perspective of yield, the three-year yield of the savings bonds issued by my country in the first half of this year was 3.35%, and the five-year yield was 3.52%. The yield is far higher than that of most current financial products. Compared with bank time deposits, savings bonds not only have a higher yield, but also do not require tax. The entry threshold is lower, and the minimum purchase amount is generally 100 yuan.
According to the purchase rules, the only channel to purchase savings bonds is a bank. However, different types of savings treasury bonds have different purchase rules. For example, certificate-type savings treasury bonds must be purchased at bank counters; while electronic savings treasury bonds can be purchased at bank counters, online banking and mobile banking.
When purchasing government bonds, you also need to pay attention to the issuance time, which is generally between the 10th and 19th of each month. At the same time, everyone needs to make preparations. For example, know which banks can buy savings bonds and how much is the allocated amount. To purchase electronic treasury bonds , you must first open a treasury bond account in a bank, etc.
Finally, Thinking Encyclopedia would like to remind everyone that it is best to use your spare money to buy savings bonds, because although savings bonds can be withdrawn in advance at any time, a certain percentage of handling fees are required for early withdrawal of savings bonds, especially within half a year. The money you get back may not be as much as the principal invested. (Produced by Thinking Finance) ■
