In the past two years, the general environment has been sluggish, and many people have begun to deposit money in the bank for interest income. But since the bank interest rate has been lowered this year, 10,000 yuan has been deposited for a year for a fixed period, and the interest is at most 100 yuan.
Just when the people were worried about saving money and not making money, the state announced that it would issue treasury bonds! As soon as the news came out, it immediately attracted the attention of the majority of investors. Because everyone knows in their hearts that the interest rate on government bonds is much higher than the bank interest rate!
So what is the interest rate on ultra-long-term Treasury bonds in 2024?
It is understood that the interest rate on ultra-long-term treasury bonds this year is between 2.8% and 3.27%, depending on the maturity you choose. For example, the interest rate for a 20-year term is about 2.7% to 3%, the 30-year term is higher than the 20-year one, and the 50-year term is higher.
So, how much interest can I get if I save 1 million for 20 years?
According to the 20-year interest rate of 2.8%, there are 28,000 in a year, and 560,000 in 20 years! After maturity, not only the interest is considerable, but the principal of 1 million can also be recovered intact. No wonder those big bosses are scrambling to buy treasury bonds, it turns out that they can earn so much by lying down!
But then again, ultra-long-term Treasuries aren't for everyone. Ordinary families buy it, the cycle is too long, and it is very troublesome once the money is urgently needed. But for those with big net worth, Treasury bonds are simply an ideal investment choice!
So how exactly to choose ultra-long-term treasury bonds?
If you're single, consider a 30-year or 50-year one. When you start a family in the future, the national debt in your hand should also expire, and it will not be a problem to buy a house, buy a car, and raise children for the elderly!
If you are married, it is recommended to choose a 20-year term. After all, the cost of the family is large, and the cycle is too long. According to 2.8%, 1 million in 20 years, the interest will be 560,000, not to mention the principal, this money is enough for the family's expenses.
Of course, the average person can use Treasury bonds as part of their portfolio. With it as the bottom line, coupled with some high-yield products, it can not only resist risks, but also not let the money sit idle, so why not?
Finally, some people may ask: which is better, deposits or government bonds?
For ordinary people, bank deposits are convenient and fast, and funds are flexible, which is a necessary emergency fund. But from a yield perspective, Treasury rates are much higher.
Therefore, if you have a lot of money, you might as well use some of the money to buy treasury bonds. Isn't it beautiful that interest can increase income on a regular basis?
Then again, although the national debt is good, the risk awareness must not be forgotten. Investment is risky and should be bought and sold with caution. The homework that should be done is indispensable, and only with a comprehensive understanding can you invest with confidence and enjoy the benefits!
So, do you have a spectrum in mind now? If you had to choose, would you keep your money in the bank or buy Treasury bonds?
What do you think about this? Feel free to interact with me in the comment section!