Text丨Flavor Society
Editor丨Flavor Society
Preface
What is a national debt? I believe that many ordinary investors may not know too much, and some people may even hear this term for the first time. Recently, however, the term treasury bonds has appeared frequently in many news media, and it is also some news about the issuance of treasury bonds, and it is also some relatively special treasury bonds, such as the ultra-long-term special treasury bonds to be issued this year, which makes many people feel very curious.
After all, this ultra-long-term special treasury bond sounds very noble, and it has a maturity of up to 50 years, what kind of investment tool is this? I believe that many people will have some questions about it, such as what is the difference between it and ordinary government bonds? How can such a government bond be bought? And is it suitable for ordinary investors to buy such treasury bonds?
First, an in-depth understanding of the national debt
The term treasury bond is believed to be familiar to many people, it is actually a kind of bond issued by the state, which can also be called a government bond. The issuance of treasury bonds is actually a way of financing, that is to say, the government raises some necessary funds through the issuance of treasury bonds, which can be used for some construction projects and livelihood projects of the state.
At present, there are three main types of treasury bonds issued on the market, namely short-term, medium-term and long-term treasury bonds, and their maturities can be 1 year, 3 years and 5 years respectively.
Treasury bonds will have a certain interest when they are issued, which means that if you buy treasury bonds, then when the treasury bonds mature, the government will repay the principal and interest according to a certain percentage, so that you can get some income.
Although there have been some issuance of government bonds in the past, the government bonds to be issued this time are somewhat special, and they are called ultra-long-term special government bonds.
I believe that the term of such a government bond must be very long, and it can be known from the specific news that the term of this ultra-long-term special government bond can reach up to 50 years, and the interest is paid on a semi-annual basis, which is very rare before.
There are also some thresholds for the issuance of such treasury bonds, for example, the minimum subscription amount is relatively large, generally speaking, an integer multiple of 1 million, and there are some other conditions.
2. How to buy treasury bonds?
The issuance of treasury bonds definitely requires some funds, so is such treasury bonds suitable for ordinary investors to buy? If you want to buy Treasury bonds, what should you do?
Of course, if you want to buy treasury bonds, you need to have a certain amount of funds, and the corresponding starting amount is different according to the different types of treasury bonds. For example, the starting amount of short-term treasury bonds is generally 10,000 yuan, while the minimum subscription amount of ultra-long-term treasury bonds is relatively high, which is 1 million yuan.
There are also various ways to purchase treasury bonds, which can be purchased through some online and offline methods, such as choosing to go to the bank counter to purchase, and can also be purchased through mobile banking, online banking and some third-party wealth management platforms.
However, when buying treasury bonds, you still need to fill in some necessary information, and you must also choose a specific type when purchasing, such as short-term, medium-term or ultra-long-term treasury bonds.
3. What is the yield of ultra-long-term treasury bonds?
After understanding how to buy treasury bonds, I believe that many people are most concerned about the income of treasury bonds, especially what kind of income can ultra-long-term treasury bonds bring to investors?
Ultra-long-term treasury bonds, like other treasury bonds, also have a certain interest income, and there is a certain frequency when paying interest, but it is paid on a semi-annual basis.
When paying interest, if you buy 100,000 yuan of ultra-long-term treasury bonds, then the corresponding interest income can be calculated according to the specific interest rate, generally around 2,800 yuan to 3,500 yuan.
Such interest income can be said to be very attractive, especially at the current time node, the yield of many wealth management products is relatively low, and there are also some fixed income wealth management products The income is also falling endlessly.
On the contrary, the interest yield of treasury bonds is relatively high, and there is a great certainty, which will not be affected by the fluctuation of market interest rates, so it can be said to be very stable, which is a very good choice for some investors who want to manage their finances steadily.
4. Are long-term treasury bonds suitable for ordinary investors?
Of course, for investment tools such as treasury bonds, whether they are suitable for purchase or not varies from person to person, if you are a more conservative investor and have certain requirements for your investment returns, then treasury bonds are very suitable for you.
In particular, some ultra-long-term treasury bonds, which have a very long maturity, can be used as a very good choice in your asset allocation, and can also provide a relatively stable source of income for your long-term plans such as pensions and children's education funds.
However, not all investors are suitable for buying treasury bonds, for example, some investors with tight funds, or some investors with higher income requirements, treasury bonds may not be suitable for you.
Because although the yield of treasury bonds is relatively stable, it is relatively low, and there is still a certain liquidity risk after purchase, so if there are some urgent capital needs, treasury bonds may not be suitable.
epilogue
As a very safe investment tool, treasury bonds are now more and more valued by the majority of investors, and there will be some special designs in such treasury bond issuance, such as ultra-long-term special treasury bonds, which undoubtedly provides a very good financial opportunity for everyone.
Of course, if you want to buy treasury bonds, especially ultra-long-term treasury bonds, you still need to make adequate preparations, and you need to have a clear understanding of your own capital situation and investment needs, so as to be able to make correct investment decisions and escort your wealth appreciation.