100,000 yuan to buy treasury bonds can make a lot of money in a year

The interest rate of treasury bonds is not the same as that of fixed deposits, and the certificate treasury bonds are mostly 2-year, 3-year, and 5-year tenors, while the book-entry treasury bonds are generally 5-year and 10-year tenors, and the interest rate of treasury bonds issued in different issuance periods is also different. For example, the latest savings treasury bond, 2 years, the interest rate is, if you have 100,000 yuan, then the interest income after two years is 10,000 * yuan. However, the central bank raised interest rates from July 21, and the two-year deposit interest rate is, because the interest tax of 5% will be deducted (the interest tax is 5% from August 15), so the actual interest rate is, and the interest after two years is 10,000 * yuan, so the deposit period is more cost-effective.

In short, don't buy the old treasury bonds, it is better to wait for the issuance of new certificate treasury bonds in August and September.

There are two kinds of treasury bonds, bookkeeping and voucher treasury bonds, one can open an account with the company to buy, the same as trading, and the other can go to the bank counter to buy; Vouchers can only be purchased over the counter at banks. Buying government bonds is very simple, just bring money and ID cards.

If you have 100,000 yuan, you can consider using part of the money to buy insurance, buy an accident and health insurance, and take precautions, so as not to encounter any changes in the future that will not affect your current living standards, and then take half of the funds to buy**, such as the newly issued Bosera Emerging Growth**, now directly bring money and ID cards to the Agricultural Bank of China of China to buy, **The income is higher than the national bonds, the general annual income is 40%-90%, which is more than 10 times higher than the 3% or 4% of the national bonds. Of course, the risk is also a little higher than that of treasury bonds, so you can buy half of the money, half of the remaining funds will be used to buy treasury bonds, and the other half will be deposited in the bank in case you need funds.

I look at buying some Treasury bonds in the second half of the year.

Generally, when buying 100,000 treasury bonds, there should be three or four thousand yuan a year, but it still depends on the actual situation.

Expected return on treasury bond interest = principal Treasury bond maturity, expected annual return = principal interest rate.

Introduction to Treasury Bond Interest Rates:

If the term is less than half a year, the interest rate is; If it is less than two years for one year, the interest shall be calculated according to the interest rate; For more than two years but less than three years, the interest rate is.

If the holding period is between 3-4 years, the interest rate is; If it is held for 4 to 5 years, interest will be calculated at the interest rate. No interest will be paid if it is held for less than half a year.

If the holding period is more than 6 months but less than 24 months, 180 days of interest will be deducted; After 24 months and less than 36 months, 90 days of interest will be deducted; If it is less than 60 months after 36 months, 60 days of interest will be deducted.

For example, the two issuances of treasury bonds are fixed interest rates and fixed tenors, and the total amount of issuance is up to 40 billion yuan. The first phase is 3 years, with an annual coupon rate and a maximum issuance amount of 20 billion yuan. The second phase is 5 years, with an annual coupon rate and a maximum issuance amount of 20 billion yuan.

Extended information] Treasury bonds are creditor-debtor relationships formed by the state raising funds from the society on the basis of credit and in accordance with the general principle of debt. The creditor of the national debt can be a domestic or foreign citizen, legal person or its patient organization, or a national or regional ** and international financial organization, while the debtor can only be an ordinary country.

To build infrastructure and public facilities, the state needs a lot of medium- and long-term funds. Through the issuance of medium- and long-term treasury bonds, part of the short-term funds can be converted into medium- and long-term funds, which can be used to build large-scale national projects and promote economic development.

The issuance period of savings bonds in 2021 is from March 10 to November 10, and can be divided into electronic and certificate categories. Certificate-type savings bonds can be purchased over the counter of banks, and the Ministry of Finance and the People's Bank of China jointly issued the "Pilot Measures for the Sales of Savings Treasury Bonds (Electronic) by Mobile Banking" in the early stage, and will carry out the pilot work of selling electronic savings treasury bonds by mobile banking. At that time, treasury bond enthusiasts can purchase treasury bonds through mobile banking "in the palm of their hand".

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The interest of 100,000 treasury bonds for a year is about 3,350 yuan, and the coupon rate is different for savings treasury bonds of different maturities. The coupon rate for the 3-year term is and the coupon rate for the 5-year term is. Therefore, if 100,000 yuan is to buy a three-year savings treasury bond, the interest for one year will be 3,350 yuan.

How much interest is 100,000 national bonds a year.

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The interest of 100,000 treasury bonds for a year is about 3,350 yuan, and the coupon rate is different for savings treasury bonds of different maturities. The coupon rate for the 3-year term is and the coupon rate for the 5-year term is. Therefore, if 100,000 yuan is to buy a three-year savings treasury bond, the interest for one year will be 3,350 yuan.

National Debt (National Debt; Government loan, also known as state public debt, is a creditor-debtor relationship formed by the state on the basis of its credit and in accordance with the general principle of debt by raising funds from the society. Treasury bonds are bonds issued by the state, which are a kind of ** bonds issued by **** to raise financial funds.

Summary. The interest rate of buying treasury bonds is mainly related to two factors, one is the coupon rate, and the other is the ** of treasury bonds. For different types of government bonds, the level of interest and the way it is calculated are different.

First of all, if you are buying savings bonds, the interest rate depends entirely on the coupon rate. Savings bonds are a kind of treasury bonds similar to bank fixed deposits, with a fixed interest rate, and after buying, you can get all the interest as long as you hold it at maturity. At the same time, it can also be redeemed in advance, but a part of the interest will be deducted for early redemption.

In terms of coupon rates, savings bonds of different maturities are different. The coupon rate for the 3-year term is and the coupon rate for the 5-year term is. Therefore, if 100,000 yuan is to buy a 3-year savings treasury bond, the interest for one year will be 3,350 yuan, and if you buy a 5-year savings treasury bond, the interest for one year will be 3,520 yuan.

Hello, glad to answer for you. 100,000 treasury bonds with 4,000 interest a year. The interest rate of the bank's guaranteed income-based wealth management products is about 4,000 yuan or 4,270 yuan for buying 100,000 savings treasury bonds for one year.

In terms of coupon rates, savings bonds of different maturities are different. The coupon rate of the 3-year is and the coupon rate of the 5-year is .

The interest rate of buying treasury bonds is mainly related to two factors, one is the coupon rate, and the other is the ** of treasury bonds. For different types of government bonds, the level of interest and the way it is calculated are different. First of all, if you are buying savings bonds, the interest rate depends entirely on the coupon rate.

Savings treasury bonds are a kind of treasury bonds similar to bank fixed deposits, with a fixed interest rate, and after buying, as long as you hold it at maturity, Yinyan can get all the interest. At the same time, it can also be redeemed in advance, but a part of the interest will be deducted for early redemption. In terms of coupon rates, savings bonds of different maturities are different.

The coupon rate for the 3-year term is and the coupon rate for the 5-year term is. Therefore, if 100,000 yuan is to buy a three-year savings treasury bond, the one-year interest will be 3,350 yuan, and if you buy a five-year savings treasury bond, the one-year interest will be 3,520 yuan.

How much interest can I get for buying treasury bonds for 100,000 yuan a year? This is mainly related to a number of factors, one is related to the ** of treasury bonds, and the other is related to the coupon rate. In fact, there are certain differences in the interest rate and calculation methods of different types of treasury bonds.

If you choose to buy savings bonds, the level of interest is generally related to the coupon rate. Because this is a kind of treasury bond related to bank fixed deposits, it will have a relatively fixed interest rate, and generally you can get interest as long as it matures after purchase, and you can also redeem it early.

There will also be differences in the coupon rate of savings bonds with different maturities, for example, the three-year validity period is generally the same, and the five-year validity period is approximately. Therefore, if you use 100,000 yuan to buy a three-year savings treasury bond, the interest will be about 3,350 yuan in one year.

If you choose to buy book-entry treasury bonds, the level of interest is related to the ** of treasury bonds, and there is no direct relationship with the coupon interest rate. Book-entry treasury bonds will also be divided into two forms, one is called interest-bearing treasury bonds, and the other is called discounted treasury bonds.

Book-entry Treasury bonds range from one year to 50 years, and generally speaking, the longer the maturity, the better the interest. If you choose about one year, the basic interest is about 2%, and the 50-year term interest is about 4%, so if you directly **100,000 yuan, and then store it for a year, the interest is basically about 2,000 yuan to 4,000 yuan. However, when you buy, you will find that the actual interest may sometimes be higher than the coupon interest, and sometimes it may be lower than the coupon interest, which is not completely consistent.

The interest rate of each treasury bond is different, and the income is also different. Based on the first phase of savings treasury bonds (certificate type) in 2021, with a term of 3 years, and a one-time repayment of principal and interest at the maturity of the interest rate), the principal amount of the purchase is 100,000 yuan, and the interest after maturity = 100,000 * yuan. Before purchasing a wealth management product, you should ensure that you fully understand the investment nature and risks involved in the wealth management product, and understand and prudently evaluate the basic information such as the investment direction and risk type of the wealth management product in detail.

Extended Resources: 1. Definition of Treasury Bonds.

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. Treasury bonds are a kind of bonds issued by the government to raise financial funds, issued by the government to investors, promising to pay interest and repay the principal at maturity in a certain period of time.

2. Characteristics of national bonds.

1. From the perspective of the subject of legal relations.

The creditor of the treasury bond can be a citizen, legal person or other organization at home and abroad, as well as a national or regional ** and an international financial organization, while the debtor can generally only be a state.

2. From the perspective of the nature of the legal relationship.

The occurrence, alteration and extinction of the legal relationship of national debt more reflect the unilateral will of the state, and although the legal relationship of national debt is an equal legal relationship compared with other financial and legal relations, compared with the general creditor's rights and debts relationship, it reflects a certain subordinate nature, which is more obvious in the legal relationship of domestic debt of the state.

3. From the perspective of the realization of legal relations.

Treasury bonds are creditor-debtor relationships with the highest credit rating and the best security.

4. From the debtor's point of view.

Treasury bonds are voluntary, compensatory, and flexible.

5. From the perspective of creditors, treasury bonds have the characteristics of safety, profitability and liquidity.

3. Classification of national bonds.

1. According to the different ways of borrowing debts, it can be divided into national bonds and state loans;

2. According to the different repayment periods, it can be divided into fixed treasury bonds and irregular treasury bonds;

3. According to the issuance region, it can be divided into national domestic debt and national foreign debt;

4. According to the nature of issuance, it can be divided into free treasury bonds and compulsory treasury bonds;

5. According to the purpose of use, it can be divided into deficit treasury bonds, construction treasury bonds, special treasury bonds and war treasury bonds;

6. According to whether it can be circulated, it can be divided into listed treasury bonds and unlisted treasury bonds;

7. According to the liquidity of bonds, they are divided into negotiable treasury bonds and non-negotiable treasury bonds;

8. According to the standard of issuing certificates, it can be divided into voucher treasury bonds and book-entry treasury bonds.