Today the People's Bank of China issued electronic treasury bonds rush
The tenth 5-year treasury bond, the interest rate is 3.57%
The ninth 3-year treasury bond, the interest rate is 3.4%
Each closed period The sales limit is 20 billion yuan
which means that this financial product needs to be snatched up. If it is sold short or the time is up, it will end.
What is the national debt? Why do you need to grab it to buy it?
National debt is a type of bond. Simply put, the country asks you to borrow money and issues an "IOU" to you.
Because it is endorsed by national credit, it has the highest security level among all financial products.
Because it is higher than the bank's 3-year/5-year time deposit, treasury bonds are very popular among those who pursue safe and stable financial management methods.
However, the interest rate of government bonds is like hair loss, and you are bald unconsciously
In May 2019, the 5-year government bond interest rate was -4.27%
In October 2020, the 5-year government bond interest rate was -3.97%
In October 2021, the 5-year government bond interest rate was -3.97%
In October 2021, the 5-year government bond interest rate was -4.27% National debt interest rate -3.57%
Look at this unconscious trend
What kind of money is suitable to put in national debt?
htmlMoney that will not be used in 13-5 years, money that must be used in the plan after 5 years
htmlThere is a high probability that this money will be used after 15 years If it is still not used, we will have to find a good place for the money.
But the interest rate is like hair loss . You will be bald before you know it, and your hair volume will not come back. Where can you find products with current interest rates to put money?
Especially like the high school and college education funds saved for children, startup funds, wedding funds, and pensions prepared for the future, this money will definitely not be touched in 3-5 years.
So what financial instruments are suitable for the medium- and long-term immovable money we have planned?
The answer is: long-term savings insurance
How to understand whether the interest rate of a long-term savings insurance is good?
Let’s do a simple horizontal comparison to see how much simple interest is returned each year.
Because the interest on government bonds is calculated based on simple interest.
If you buy a 5-year government bond,
, then the interest will be returned once every year in the 2nd to 4th years.
The principal will be returned every year. Pay it off together with the interest in the last year
The structure is that the principal is guaranteed, and the interest is returned once a year upon settlement
The highest interest rate on national debt is now 3.57%
That is to say, if a long-term savings insurance product
returns it every year The interest can be 4%
The principal is also safe
Then it is a very ideal financial tool
Returning 4% interest every year is equivalent to setting the time in 2020
Our hair volume has been preserved
We have selected a savings model Insurance products are used to formulate such an action plan to maintain growth.
is 100,000 per year, and the principal is paid in 3 installments.
The principal is 300,000 in total.
After the payment period, the account value is equal to the principal
. The closed period is 6 years, and the value increases after the closed period is 13 %
Starting from the 7th year, 4% will be returned every year
.3 million × 4% = 12,000 yuan/year
How long can it be returned?
will be returned for life
will be returned for life. Will my principal be reduced? Not only does
not do it, but it has also maintained a slight increase of 340,000. Isn’t
very good?
(Presentation of product plan)
To summarize:
The characteristics of long-term savings insurance are
We use a myopic vision to conscientiously implement the 6-year closed period
The gain is
The next 100 years can be viewed from afar to lock in an interest rate of 4% per year.
If we don’t collect the interest and spend it, we can continue to increase the interest in the account.
Why is it said that the interest rate in the future must be downward?
In November 2019, Zhou Xiaochuan, former governor of the People's Bank of China, said at the Innovation Economic Forum: As long as micro monetary policy is managed, China can try to "avoid quickly" entering the era of negative interest rates.
The key point: avoid rapidity, that is to say, the era of negative interest rates is inevitable, and the goal of national management is to slow down the entry speed as much as possible.
Why our country will definitely enter an era of low interest rates? Read this financial knowledge
" Why will interest rates get lower and lower in the next few years?" 》Public account: Xiaojie Lixiangdi
If you still believe that there is room for growth in the future, it is also recommended to choose a 3-year or 5-year payment period.
Because the cash value is equal to the principal at the end of the payment period, give yourself a chance to observe. If
prices rise in the future, you can immediately replace the product. The cost of buying this product is very low.
However, it can guarantee principal and income, and the long-term savings of 4% annual simple interest for life are not much. Buy early and benefit early.
More attention: Public account Xiaojie Xiangdi
