The yield of national debt refers to the ratio of the income from investing in national debt to the total investment each year.
Hello, there are many kinds of national debt with low yield, but there is no risk. Investors with a small amount of ordinary funds are generally not recommended.
Generally stable but low, suitable for long-term investment. About 3-4
Usually around 3-4.
Extended data:
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For us ordinary people, there are only three kinds of government bonds to buy in the market:
First of all, it is a certificate-based national debt. You can tell from the name that this kind of national debt is not complicated. In layman's terms, you go to the bank to buy government bonds, and then the bank gives you a voucher as proof that you borrowed money.
This kind of national debt can't be listed and circulated, in other words, you can't sell it to others after holding it, because this voucher is only regarded as a "receipt" rather than a "formal invoice", so you can't complete the transaction if you sell it to others without being recognized by others. The only exception is that the bank will recognize this "receipt". When necessary, the certificate-based national debt can be used as the mortgage loan of the bank. Why not?
Secondly, it is an electronic national debt, also known as savings bonds. In Xiaobai's eyes, e-government bonds can be regarded as the "twin brother" of voucher-type government bonds, because it is essentially a special voucher-type government bonds, but the difference is that it has changed from a physical voucher to a electronic certificate.
So it is precisely because they have the same genes that they finally have similar appearance characteristics. For example, you can withdraw money in advance, but you have to charge a handling fee of 0. 1%, and the interest will be calculated according to the holding time. The score is as follows:
1, and no interest will be paid if it is redeemed in advance for less than 6 months;
2. If it is less than 24 months from 6 months, the interest will be calculated in coupon rate, and the interest will be deducted 180 days;
3. If it is less than 36 months after 24 months, the interest will be calculated in coupon rate, after deducting 90 days' interest;
4. If it is held for 36 months but less than 60 months after the second maturity, the interest will be calculated according to coupon rate and deducted for 60 days.
For example, Uncle Zhang bought certificate-based government bonds with a yield of 4.5%, totaling 1 10,000 yuan, with a term of 3 years. However, he was eager to use the money and had to withdraw it two years ago. At this point, the interest he needs to deduct is calculated according to the above "3":
1, the deduction formula for early withdrawal = principal × interest rate ÷365 days × interest deduction days =1000× 4.5% ÷ 365× 90 =11yuan.
2. Deduction of handling fee =1000× 0.1%=1yuan.
3. The total cost to be deducted is 12 yuan.
4. The interest earned at that time was 1000× 4.5 %× 2 = 90 yuan.
5. The final interest income is 90- 12 = 78 yuan.
It can be seen that the proportion of interest deduction is very high, so Xiaobai suggests that you do not withdraw in advance if it is not very urgent when purchasing voucher-type government bonds and electronic government bonds.