It's said that many elderly people like to buy treasury bonds for financial management. Can we understand that Treasury bonds are not risky? Is it risky to buy treasury bonds? This is a question that many investors are concerned about. The answer to this question is that there are risks, but compared with other investments, the risks are lower.
There are two types of treasury bonds, one is voucher treasury bonds and electronic savings treasury bonds, which are sold through banks. These two treasury bonds are similar to bank time deposits, and the annual interest rate is higher than that of bank time deposits in the same period. The term of treasury bonds is generally 1-year, 3-year and 5-year.
The one-year term means that the country will return the principal and interest through the bank when it matures after one year. The three-year and five-year term means that the principal will be returned after three or five years. If you want to cash in advance in the middle of the term, it is called redemption. Generally, the interest is relatively low, and you have to pay a handling charge of 0.1% of the principal.
To buy certificate treasury bonds, the bank will give you a certificate, which is similar to a time deposit slip. If you open a treasury bond savings account, it means you keep it in your real name.
The other is bookkeeping treasury bonds, which is to open a national debt account to buy treasury bonds without certificates and bills. Once the bonds are issued, they will be listed and traded through pilot banks and stock exchanges. However, the annual interest rate of these bonds is relatively low, and some of them have a relatively long term. The longest term is 30 or 20 years, which is not suitable for ordinary people's investment.
If you want to buy it, you can bring your ID card to ICBC, BOC and other state-owned banks or securities companies to open an account. You can buy and sell bookkeeping treasury bonds at any time, and you don't have to hold them to cash them when they mature. Because bookkeeping treasury bonds can be bought and sold at any time, and their prices fluctuate up and down like stocks. If the price of treasury bonds falls when you sell them, you will lose money. On the contrary, if the price rises, you can sell them to earn the difference. After the maturity of bookkeeping treasury bonds, the state will redeem them at the rate of 100 yuan / piece.
How much does it cost at least to buy treasury bonds?
It will cost at least 100 yuan. Among them, the maximum amount of savings bonds (Electronic) is 1 million yuan per account. Therefore, national debt is the first choice for financial investment with low threshold and low risk