Is it better to return on treasury bonds or bank wealth management?

Treasury bonds, also known as state bonds, are issued by the Ministry of Finance in China and sold to individual investors through members of the treasury bond "underwriting" group (usually banks). Treasury bonds are generally referred to as the "risk-free rate of return", and the current yield on three-year Treasury bonds is about 3%, and the yield on five-year Treasury bonds is about 3%;

Bank wealth management: According to the requirements of the new asset management regulations, wealth management products cannot guarantee principal and interest, including bank wealth management products. Of course, not promising to guarantee principal and interest does not mean that wealth management products have great "risks", mainly depending on the risk level of the product.

Under normal circumstances, it cannot be redeemed in advance, and the current yield is about around.

You can also pay attention to the "smart bank deposits" of small and medium-sized banks, and enjoy the protection of deposit insurance (according to the provisions of the "Deposit Insurance Law": individuals enjoy 100% compensation within 500,000 yuan for ordinary deposits in a single bank), and the "interest rate" is about 4%, which has the advantages of high liquidity (can be withdrawn in advance) and higher interest rates than general deposits.

Or pay attention to "Du Xiaoman Technology Service Account (duxiaomanlicai)" for detailed product information. Investment is risky, and financial management needs to be cautious!

The yield of treasury bonds is higher than that of bank demand and lower than that of wealth management, but the risk of treasury bonds is the lowest and lower than that of bank wealth management.

Treasury bonds are popular because of the endorsement of national credit, and bank wealth management is also welcomed by many investors because of the characteristics of stable expected returns and low risk.

Which is better, treasury bonds or bank wealth management products?

1. Security

Treasury bonds are issued by the state, and although they are not protected by the deposit insurance system, they are recognized as the safest investment tool because they are protected by national credit. The risk of bank wealth management products is slightly higher than that of treasury bonds, and the product risk is divided into five levels: R1, R2, R3, R4 and R5, and the higher the level, the greater the risk, of which R1 and R2 belong to low-risk wealth management products.

2. Flexibility

There are two types of bank wealth management products: open and closed, the former is flexible for application and redemption, and the latter cannot be redeemed in advance. There are two types of investment tenors: 3 years and 5 years, and they can be redeemed in advance, but they need to pay a certain handling fee. In addition, treasury bonds are relatively popular in the investment market, so their liquidity is relatively strong.

3. Expected expected rate of return

Although the expected rate of return of wealth management products is continuous, on the whole, the expected rate of return of wealth management products is slightly higher than that of treasury bonds.

4. Subscription threshold

The subscription starting point for bank wealth management products is relatively high, generally starting at 50,000 yuan, but some banks have lowered the subscription starting point to 10,000 yuan. The starting point for the purchase of treasury bonds is relatively low, starting at 100 yuan. The variety of bank wealth management products is richer, whether it is from the investment period or from the perspective of the currency, investors can choose a wide range, and general banks can buy.

However, treasury bonds generally have a fixed sales date, and the total amount of issuance in each issue is very limited, and it is not easy for investors to buy them.

Hello, (assuming you need to invest another 10w).

1. If your risk tolerance is high, you can choose to buy the portfolio of ** company, which is generally open once every three months.

2.If it is a more conservative investment, it is recommended to buy short-term wealth management products from banks, which are relatively short and flexible for one month, three months or half a year.

3. The maturity of the treasury bonds is relatively long, and they can only be withdrawn when they mature, and the funds are not flexible enough.

The first, second and third tranches of 2011 savings bonds (electronic) will be issued nationwide from April 15 to April 28.

The term of the first phase is 1 year, the annual interest rate is, and the maximum issuance amount is 10 billion yuan; The second phase has a term of 3 years, an annual interest rate, and a maximum issuance amount of 25 billion yuan; The term of the third phase is 5 years, the annual interest rate is, and the maximum issuance amount is 15 billion yuan.

The interest on all three tranches of treasury bonds began on April 15, 2011, and the interest is paid annually, and the principal is repaid at maturity and the last interest is paid.

The current one-, three-year and five-year time deposit rates are and respectively.

Hope it helps.

You're right, now that the market interest rate is uncertain, it is not cost-effective to buy treasury bonds, or it is better to buy the bank's wealth management products.

It's possible. Even the gods don't know how many more times. Coping method: save for the short term and do not do the long term. For large amounts, you can consider wealth management products. Let's do a short-term term for a small amount.

Wealth management products have uncertain risk and return on return, while treasury bonds have a small risk and a fixed rate of return.

Treasury bonds are better than stability, and there are more choices of wealth management products and they are more flexible.

Wealth management products and treasury bonds have their own advantages and disadvantages, and people can choose different investment objects according to their own conditions.

The advantage of wealth management products is high returns, of course, the corresponding advantage is that their risks are relatively high. If the economic conditions are good and the investment goal develops rapidly, then financial management will achieve good returns. On the contrary, there is also the possibility that the investment and wealth management project will not be able to recover the capital (although this possibility is not high).

The advantage of government bonds is stability (it can almost be said that they can be said to guarantee income in drought and flood), but of course, the corresponding advantage is that their returns are usually not very high (in fact, the average government bond is still higher than the bank rate).

Therefore, if young people and their income is acceptable, they can allocate more financial products and less treasury bonds, on the contrary, if it is pension money, it is recommended to buy more treasury bonds more steadily.

Why is it said that treasury bonds are the most stable financial products?

It must be a wealth management product, I remember that the treasury bond is only about 4%, and the interest rate of wealth management products is higher

If you have a lot of money, it is recommended to buy a bank acceptance bill that needs to be discounted, I took a look, 90 days can generally be around the place, but it may also be because of the money panic in June. Bank acceptance bills can be said to be capital protection, as long as the bank does not fail, it will work.

I think agricultural products are good.

Why is it said that treasury bonds are the most stable financial products?