Nowadays, people's investment methods are becoming more and more diversified, and if they want to be stable, they will choose "savings deposits". Before depositing money, you will first understand the deposit interest rate of each bank, and generally the higher the term of deposit, the higher the interest rate. However, there is a disadvantage of depositing bank term, which generally requires that you can only get the interest and principal after maturity. If you take it out before it expires, the interest will be much less.
Treasury bonds, on the other hand, have a higher interest rate than bank regularity, and they are guaranteed by state credit, which is more reliable and stable than bank credit and commercial credit. Since the founding of New China, the state has issued treasury bonds four times, and this year is the fifth time that treasury bonds have been issued, and they are also ultra-long-term special treasury bonds.
Previously, the mainland had issued three special treasury bonds, in 1988, 2007 and 2020. It has been almost four years since the last special treasury bond was issued this year, so I recommend that you buy as much as possible if you can buy it this time. The ultra-long-term special treasury bonds issued by the state this time are mainly divided into 20-year, 30-year, and 50-year maturities, of which the 30-year issuance is the largest, and the first issuance will be carried out on May 17 (this Friday), and the 30-year special treasury bonds will be issued twice a month in the following months until mid-November.
According to the 2024 ultra-long-term special treasury bond issuance arrangement, the interest payment method is to settle once every six months, which means that if you buy a 30-year special treasury bond issued on May 17, you will have an interest after half a year.
Since the issue of interest has been mentioned, everyone is also concerned about "what will be the interest rate of ultra-long-term treasury bonds and special treasury bonds in 2024".
It is expected that the interest rate of ultra-long-term special government bonds will fluctuate at 2.8%-3.5% in 2024, and the coupon rate will be determined through competitive bidding. The tendering unit will generally be a bank or an investment securities company. The latest tender date is the 30-year special treasury bonds, which will be tendered on May 17, and then you can see what the interest rate of the bidding bank is, and then the bank will sell it to the outside world after making adjustments, and you can also go to the bank counter for consultation if necessary. Therefore, in order to bid for ultra-long-term treasury bonds and special treasury bonds, all major banks have riveted their efforts. The following are the interest rates of previous special government bonds:
1. In 1988, the interest rate on special government bonds was 7.2%.
2. In 2007, the interest rate on special government bonds was between 4.2% and 4.5%.
3. The interest rate on special government bonds in 2020 will be between 2.41% and 2.71%.
It is expected that the interest rate on 20-year special government bonds will fluctuate around 2.8%, 30-year special government bonds at 3%, and 50-year special government bonds at 3.5%.
According to the above floating interest rate, how much is the one-year interest for the purchase of 100,000 yuan of treasury bonds?
1. Purchase a 20-year treasury bond of 100,000 yuan, the interest rate is calculated at 2.8%, the interest rate is 2,800 yuan for one year, and the interest is settled once every six months, and the interest is 1,400 yuan each time.
2. Purchase a 30-year treasury bond of 100,000 yuan, the interest rate is calculated at 3%, the interest rate is 3,000 yuan for one year, and the interest is settled once every six months, and the interest is 1,500 yuan each time.
3. Purchase 50-year treasury bonds of 100,000 yuan, the interest rate is calculated at 3.5%, the interest rate is 3,500 yuan for one year, and the interest is settled once every six months, and the interest is 1,750 yuan each time.
Finally, it should be noted that the interest rate of ultra-long-term special treasury bonds in 2024 has not yet been announced, and the above is only a table of interest rates predicted by individuals, which is subject to the actual interest rate of banks.
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