Financial Manager Explains Three Skills Of Investing Treasury Bonds

It is reported that the first, second and third electronic phases of this year are reported.

Compared with the 3 issue of treasury bonds issued at the beginning of last month, the issuance of the Treasury bonds is more concerned by the general public.

Reporters learned from a number of bank outlets in Rongcheng that after the issuance of the Treasury bonds, a few hundred thousand yuan were bought in a few cases, and some even bought millions.

What factors should be paid attention to when buying Treasury bonds and how to invest in treasury bonds to maximize the benefits?

In this regard, "wallet" weekly interviewed Rongcheng.

Skill 1 Let 800 thousand money produce money.

The three issue of this issue is fixed rate fixed rate treasury bonds, with different maturities and annual interest rates. The first period is 1 years, the annual interest rate is 3.70%, the maximum issue amount is 10 billion yuan, the second period is 3 years, the annual interest rate is 5.43%, the maximum issue amount is 25 billion yuan, the third period is 5 years, the annual interest rate is 6%, and the issue amount is 6% yuan.

Compared with the current rate of time deposits, the annual interest rate of one-year bonds is 0.45% higher than the one year fixed interest rate. The three year treasury bonds have an annual interest rate of 0.68% higher than the three year fixed interest rate, and the annual interest rate of the five year bonds is 0.75% higher than the five year fixed interest rate.

Investment

Unlike certificates and Treasuries, the interest rate of electronic government bonds is annual interest payments.

"According to the annual interest rate payment method, financial managers can make better use of the corresponding financial management channels."

Lin Ben, an international financial manager (CFP) of Fuzhou branch of CCB, said.

Take an investor to buy 800 thousand of the 5 year electronic savings bonds, for example, he can get 48 thousand of the profits every year.

Each time he gets 48 thousand yuan of proceeds, he can deposit 48 thousand yuan for 3 years, 2 years and 1 years. If the interest rate is calculated according to the current fixed interest rate, he can get more than 2280 yuan interest in second years, and earn more than 4274 yuan in third years. In the fourth year, he will get more than $20 yuan interest, which will earn a total of $20 yuan interest. The total income of Yuan Yuan will be gained in the year of the year of the year, which is more than that of the Treasury bond with the same grade and interest rate.

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Tips 2 small amount is not suitable for buying short term.

On the morning of April 15th, an investor went to a state-owned bank in Cangshan, Fuzhou, to purchase 7000 yuan one-year electronic savings bonds.

Because the sales of electronic savings bonds depend on Securities and fund systems, they must be purchased with cards. He only has passbook of the bank without the bank card of the bank. He spent 10 yuan on the bank card of the bank.

Under the advice of the financial planner, he bought a 3 year electronic savings bond.

The difference between buying a card and spending 7000 yuan is to buy electronic savings bonds. What's the difference between buying a one-year period and buying a three year period or even a 5 year period?

"The smaller the amount, the shorter the electronic purchase of treasury bonds, the lower the cost of the proceeds."

Lin Ben said.

According to Lin Ben's theory, the above investors open their cards to buy treasury bonds. If the balance of the card is less than 300 yuan, they will have to pay 1 yuan for the small account management fee each month, plus the opening card fee, which will pay 22 yuan a year.

The annual electronic savings bonds purchased for 7000 yuan will earn 259 yuan a year, with a deduction of 22 yuan, and the actual income is 237 yuan, which is not much different from that obtained in the one-year fixed deposit.

In the same way, if we purchase the 3 year electronic savings bonds, the real return will be 358.1 yuan per year, which will be more profitable than the one year electronic savings bonds.

Skills 3 early withdrawal will be damaged.

If the time deposit is drawn in advance, the bank will pay interest at the current interest rate instead of the regular interest rate, and the savings will lose a lot of proceeds.

Similarly, the early recovery of electronic savings bonds will also bring unnecessary losses to them.

First of all, it is necessary to pay the corresponding fee for the early payment of electronic savings bonds. The three period treasury bonds issued in advance will be paid by 1% of the principal fee.

Collect.

The loss of the corresponding interest is the price to be paid for the electronic savings bonds in advance. The sooner the early payment is, the more the interest will be lost.

According to the regulations, from the beginning of April 15, 2011, the three issue of treasury bonds held in this issue is less than 6 months ahead of schedule, and it does not pay interest in advance. After 6 months, the interest rate is less than 12 months, and the interest rate is deducted and the interest rate is deducted for 180 days. Second months and third months of 12 months are less than 24 months, the interest rate is calculated and the interest rate is deducted for 180 days.

In this regard, financial advisers recommend that before buying electronic savings bonds, we should give full consideration to the future capital thoroughfare and decide whether to purchase or purchase the amount of treasury bonds, preferably using idle funds.

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Remind you to choose your own treasuries.

At present, there are 3 types of treasury bonds in China. Apart from the above electronic savings bonds, there are two kinds of treasury bonds, accounting bonds and so on.

Unlike electronic savings bonds, voucher bonds do not carry out annual interest bearing interest rates, but are a way to repay debt and interest after maturity.

For example, the purchase of 100 thousand yuan 3 year certificate of treasury bonds, 3 years after expiration, the customer will get back 100 thousand yuan principal, and one-time gain 3 years of interest income.

Voucher bonds can bring fixed and stable returns to buyers, but buyers need to make sure that if the certificate bonds are to be withdrawn in advance, they will not be paid during the issuance period, and the interest rate will be calculated according to the current interest rate in the same period.

The benefits of electronic savings bonds and certificate bonds are stable, which is more suitable for prudent investors.

Lin Ben said.

Compared with electronic savings bonds and certificate bonds, treasury bonds are more mobile and can be bought and sold freely.

That is to say, buyers can lower the price of Treasuries and obtain the corresponding income.

Although treasury bonds have strong liquidity, their interest rates are generally lower than those of the other two kinds of treasury bonds.

It should be noted that the yield of treasurable Treasuries is determined by the market demand of treasury bonds, so its net value is floating during the period of listing.

The period of net value change of treasury bonds is mainly concentrated on the stock market. During this period, the Treasury bonds purchased by investors will show a relatively clear net value, which may result in capital gains or capital losses.

Financial advisers believe that Treasury bonds are more suitable for young investors and institutional investors because of the risks that can be brought to market.

At the same time, financial planners remind that the issuing rules and interest bearing rules of treasury bonds are more complex, and they should pay more attention to their trading rules when buying them.