What are the reasons why government bonds are better than fixed deposits for long-term spare money?
At present, our country has entered a middle-aged and elderly society. For most of the elderly, how to manage their money correctly is related to whether they have financial security and dignity in their future pension life. Many elderly people often choose to use long-term savings to manage their funds after they have a long-term surplus of money. But there are also those who say that if the elderly have money in their hands, then buy Treasury bills. How so? Submit!
Save regularly. For the elderly, the pension in daily life is a lump sum of expenses, because of diseases, accidents and other factors, they should also be prepared to take out all or even all of the money at any time to hand over to the hospital.
Some people live on principal and need to withdraw money in stages, so it is not suitable to manage it with long-term regular savings. Some people live on interest, although the interest on large-amount certificates of deposit is higher, but once every three or five years, it is not very convenient.
Some people may say that you can use a tiered savings method, which can not only guarantee income, but also ensure the turnover of funds, and also guarantee a year's interest. This way can avoid paying too many times, but once something happens to the elderly, or he is sick, he must take out all his money at once, which will take out most of the money, and it is still relatively long, and it will generate a lot of interest at that time.
Term bonds. Deposit bonds in the United States are better equipped to deal with such problems. It's like a kind of deposit that will have a sum of money every year, and it is also a good way for many elderly people to support their families. In case one day, the old man wants to take out all his money and send it to the hospital**, then the interest cannot be calculated according to the maturity deposit rate, but it is about the same, and the interest income can be retained to the greatest extent.
Some people say that if it is not even six months in the short term, then there is no interest. Even so, if you manage it with regular savings, as long as it is not more than six months, you will not get much interest according to the bank's interest rate.
Moreover, in general, the interest rate on a fixed treasury bill is higher than that of a state's fixed deposit, and it is relatively safe to expect higher interest.
Therefore, from this point of view, government bonds are the most suitable financial management method for the elderly. But this thing is not easy to take, and it is really not a good idea to use it for ** investment. If there is short-term surplus money to manage and appreciate, it can also be managed through bank small wealth management, structured deposits and other methods, which is also quite stable. In addition, the state has also launched a set of favorable measures in order to create a favorable condition for the development of investment, and can also earn 1,000 yuan per month with the strong support of certain foreign trade stabilization policies.
In summary, if older people have a longer surplus to deal with, in many cases, public debt can be used as a financial tool. If it is fixed, you can also choose to save, but only if you make sure that the elderly do not withdraw it early.