Is it better to buy treasury bonds or wealth management products?

Treasury bonds and bank wealth management products.

All of them belong to the stable income financial management method, which belongs to the purchase of stable investors. First: From the point of view of the issuance time, treasury bonds are issued by the state in a specific period of time, which is a state-type financial management method, and its security is very high.

There is a limit on the issuance time of treasury bonds, and they cannot be purchased at any time, but bank wealth management products are issued by banks or sold on behalf of banks. There are a variety of bank wealth management products, which can be purchased at any time, and there is no fixed purchase limit time, which is better for bank wealth management. Second:

From the perspective of wealth management income, the interest income of treasury bonds is a little higher than that of bank term wealth management products, but it is not higher than that of all bank wealth management products. There are many kinds of bank wealth management products, according to their risk stability, they can be divided into cautious wealth management products, stable wealth management products, balanced wealth management products, aggressive wealth management products, and aggressive wealth management products.

Compared with the balanced, aggressive and aggressive wealth management products of bank wealth management products, the income of treasury bonds is more stable and less risky. However, when the market is good, the income of bank wealth management products is higher than that of treasury bonds, so they have their own merits. To sum up, from the perspective of the issuance time of the two, the subscription and redemption of bank wealth management products are more flexible and convenient to purchase.

From the point of view of its income, each has its own advantages, usually the interest rate of treasury bonds may be higher, but when the market is good, the bank wealth management income may be more dominant.

It depends on your risk appetite and the ability to manage the choice of wealth management products.

And the yield you expect.

Treasury bonds, with average yields, high security, and tax exemption. If you have a certain amount of research on financial management, or there are professionals around you to guide and analyze, you can consider some high-risk financial products, but to manage well, including buying and selling timing, investment strategy. If you can't distinguish the advantages and disadvantages of wealth management products, and you don't have a certain grasp of market trends, blindly investing in some high-risk wealth management products is equivalent to gambling.

Of course, if you're not a professional investor, it's not a good idea to spend all your investments on Treasury bonds. Because although Treasury bonds are safe, they do not have high yields, and if they are long-term funds, they can often cope with inflation.

Extended Materials. Treasury bonds are relatively safe**, the interest rate will be 100 higher than the bank interest rate, and the term is one year, three years, five years, etc., similar to a time deposit.

Finish. There are many kinds of wealth management products, including bank wealth management, wealth management, bonds, etc., and I personally think that the relative degree can maintain the value of bank wealth management and principal-protected financial management. Bank wealth management has capital protection and non-capital protection, high risk and high return, you need to pay attention to it when buying.

As for the ** financial management of capital protection, the capital must be able to be covered, but the income is unknown. Now there are new types of online financial management, such as daily current treasure, Alipay, Zhaocaibao, etc., all of which are invested with idle loose money to obtain income.

If you have a high risk tolerance, you can choose to buy financial products, and if you want to be conservative, it is recommended to buy treasury bonds. Treasury bonds are based on the premise that the debtor is the debtor and the state finance bears the repayment of principal and interest, which is generally known as the risk-free rate of return.

This is nothing better, it all depends on your own needs and the range of losses you can accept, if you don't want to lose any money, and you can't use it recently, then you can try treasury bonds, and there is no problem with the security decision. If you want to make more money, it is better to buy some financial products, the yield will be much higher than that of government bonds.

In fact, if you want to have both security and profit, national foreign trade is a better choice. It adopts the "order-based" model, that is, overseas sales orders are generated first, and then the goods are put on the shelves of the national foreign trade platform after verification, and domestic users participate. Ensure that at the end of the 30-day period, the user can get back the principal and profit.

Treasury bonds are much less risky than financial management, and if there is a sudden demand, treasury bonds can be withdrawn in advance, and the interest will not be lost much. If you manage your finances, you should not withdraw it in advance, the risk will be higher, and the relative interest will be a little more. It's up to your own personal needs.

If you don't want to take risks, it's better to buy treasury bonds, but the benefits are also limited. If you want to pursue high yields, buy wealth management products, and the yield of different levels of wealth management products is not the same. What's right for you is the best.

It is safe to buy treasury bonds, and now there are a variety of financial products, and many of them are **, so it is better to buy treasury bonds in order to be safe.

It is better to buy treasury bonds, treasury bonds are better than any financial products, they are guaranteed, there is no loss of money, and there is no risk. There are risks associated with not being able to manage money.

For safety, it is better to buy treasury bonds, and if you want to take risks, then it is better to have a lot of financial management.

According to their own trends, the country's general interest rate is around 3.0 to 4.00 o'clock, and then the wealth management products will be high, but the risk also exists.

If you want to divide one better, my personal feeling is that the national debt is more stable. After all, the national debt is the national debt in the back of the dormitory, and the wealth management product is just the bank in the preparation, right, although the bank is also in the country for him to prepare books, but after all, the risk of financial management is a little higher.

The two I bought are good financial products, which belong to the insurance of the insurance company, and he sometimes says that it is very good, but this matter can not be withdrawn, and he has a 15-day hesitation period, and he cannot be withdrawn after more than 15 days, even if you can take it out, but he will ask for your handling fee, and the treasury roll takes this income is still quite high, but it is generally difficult to buy,

Treasury bonds and wealth management products are different, which depends on your requirements for risk and return to determine that treasury bonds have low yields but high risks, while other options are to buy wealth management products.

Treasury bonds are relatively safe.

It is safe and reliable to buy treasury bonds.

It is a wealth management product.

Treasury bonds, also known as state public bonds, are creditor's rights and debts formed by the state on the basis of its credit and in accordance with the general principles of bonds to raise funds through the issuance of bonds to the society. Since the issuer of treasury bonds is the state, it has the highest creditworthiness and is recognized as the safest investment vehicle.

Because it is issued by the state, treasury bonds are the creditor-debtor relationship with the highest credit rating and the best security, and they are the most reassuring wealth management products.

There are four types of treasury bonds: bearer treasury bonds, certificate treasury bonds, book-entry treasury bonds, and electronic treasury bonds. Here's how to buy it:

1. Bearer treasury bonds are generally purchased through financial institutions. Investors can use the **account to entrust the ** operating institution to buy on the **exchange floor.

Second, book-entry treasury bonds need to bring their ID cards to a state-owned bank or **company to open an **account, and then they can be purchased.

At present, the four major state-owned banks, as well as China Merchants Bank, Guangfa Bank, and Bank of Communications, can all purchase certificate-type treasury bonds. To purchase, you need to bring your ID card, apply for a passbook or debit card at the undertaking bank, and open a personal treasury bond account, which can be used permanently after the account is opened, and you can purchase.

4. Electronic treasury bonds need to be opened at the bank counter to open a "treasury bond custody" account, and then purchased at bank outlets, mobile banking or online banking.

Wealth management products have always been one of the main investment methods of the people, after the opening of savings bonds to individual investors, more and more investors are buying treasury bonds, low risk, stable expected returns are the main reasons for investors to choose treasury bonds. So what is the difference between treasury bonds and wealth management products?

1. Issuer

The issuer of treasury bonds is the state, while the issuer of wealth management products is usually a commercial bank or a formal financial institution. Although treasury bonds can also be purchased through bank channels, banks are only consignment channels for treasury bonds.

2. Investment threshold

The investment threshold of treasury bonds is low, and generally 100 yuan can be invested. There are many types of wealth management products, and the minimum investment threshold is also different, but on the whole, the investment threshold of wealth management products is relatively high. The minimum investment amount of bank wealth management products is 10,000 yuan, and the minimum investment amount of deposit products such as large-amount certificates of deposit reaches 200,000 yuan.

3. Security

Treasury bonds are guaranteed by national credit and are recognized as the safest investment tool. The risk level of wealth management products can be divided into five levels, deposit products are protected by deposit insurance regulations, and the risk level of non-principal-guaranteed wealth management products such as net worth wealth management products is higher than that of government bonds.

4. Investment period

The investment period of treasury bonds is generally longer, mostly three or five years, and it is more suitable to use idle funds that have not been used for a long time for investment. The investment period of wealth management products is relatively flexible, including 1 month, 3 months, 6 months and other investment term options.

5. Interest rates

Referring to the savings treasury bonds issued in October 2019, the three-year interest rate is 4%, and the five-year interest rate is the interest rate of wealth management products, but the overall interest rate is higher than the interest rate of treasury bonds.

From the perspective of the risk of wealth management products and treasury bonds, the risk of some wealth management products and treasury bonds is low, so which investment method is better to choose between these two investment methods? Next, let's take a look at whether it is better to buy treasury bonds or financial products.

Wealth management products

A type of wealth management product designed and issued by commercial banks and formal financial institutions on their own, which invests the raised funds into the relevant financial market and purchases relevant financial products in accordance with the product contract, and obtains the expected return on investment, according to the contract.

Treasury bonds

Treasury bonds, also known as national public bonds, are a kind of first-class bonds issued by the state on the basis of its credit, and a creditor's rights and debt certificate that promises to pay interest and repay the principal at maturity in a certain period of time.

Compared with treasury bonds, there are many types of wealth management products, and the risk levels are different, ranging from low risk to medium and high risk or even high risk. Treasury bonds, on the other hand, have a low risk level and high security.

Similarities between wealth management products and treasury bonds

1. Some low-risk wealth management products and treasury bonds have a fixed term, and the expected income is the expected return of principal and interest;

2. Some low-risk wealth management products and treasury bonds have low investment risk, high security, and are suitable for stable investment.

The difference between wealth management products and treasury bonds

1. The starting point of purchase is low, and there is even a minimum purchase of one yuan, and the treasury bond is a face value of 100 yuan, and the purchase amount is an integer multiple of 100;

2. The investment direction is different, and the treasury bonds are generally military, financial and other policy investments, and the wealth management is generally bonds, or other fixed assets or non-fixed asset products.

Which is better, wealth management products or treasury bonds?

Both of the above investment methods have the characteristics of high liquidity and high security. From the perspective of expected returns, most of the large-denomination certificates of deposit are raised by 40% on the basis of the benchmark interest rate, and a few banks are raised by 45%, which is suitable for prudent investment. There are more types of wealth management products, more selective, suitable for all kinds of investors to invest, and their expected returns are also higher.

Both investment methods have the characteristics of high liquidity and high security.

From the perspective of expected returns, most of the large-denomination certificates of deposit are raised by 40% on the basis of the benchmark interest rate, and a few banks are raised by 45%, which is suitable for prudent investment. There are more types of wealth management products, more selective, suitable for all kinds of investors to invest, and their expected returns are also higher.