▲ 【Silver Bond Strategy】Silver Bonds Officially Open for Sale
Silver bonds with a guaranteed minimum interest rate of 4% are officially launched. In the interest rate hike environment, the 4% interest rate is not very attractive, but it is still a good investment choice for retirees. Similar. Experts provide 5 interest-earning strategies for subscribing for silver bonds, and suggest that the elderly who draw silver bonds this time can be a little more aggressive and subscribe for 20 lots of silver bonds.
(1) Those who are under the age of Those born before are also eligible. According to statistics at the end of last year, there were regarding 2.1 million silver-aged people aged 60 or above.
(2) Steady profit of 1,000 yuan at zero cost: For silver bonds commonly known as iBond for the elderly, the guaranteed minimum interest this year has been increased from 3.5% to 4%. One-year Hong Kong dollar time deposit, the current maximum interest rate is 3.18% of Overseas Chinese Wing Hang, the threshold is 200,000 yuan, and it must have a total wealth management value of 1 million yuan.
Bank bonds have not yet been sold, and the battle for customers has exploded. （01428）
Send blue-chip stocks, 300 yuan cash coupons from Chi Wealth Securities, and up to 3,000 yuan in Futu Welcome Rewards. Phillip Securities is one of the few brokerage houses that offers 100% margin subscription, and you can enjoy “3 waivers” (zero interest, no deposit and no handling fee) when you draw 5 lots or less. The bond issue results in full payment.
High-interest fixed deposits are mostly short-term, experts say that buying silver bonds is more cost-effective than Hong Kong dollar fixed deposits【Next page】
(3) Double interest earning: The sale period of silver bonds is as long as 11 days, and the deadline is September 2. The broker may cut off the number one day earlier, and those who have loose money on hand can wait until the last minute to enter the ticket. To make good use of the 10-day window period, you may wish to open a short-term deposit to earn interest first. For example, Guanjue Quancheng is Chiyu and enjoys 6% annual interest for 7 days. Calculated as a deposit of 5 million yuan, you can earn regarding 5,700 yuan quickly. When the fixed deposit matures, the bank bonds will be drawn once more, hoping to earn interest on both sides.
(4) Big siege strategy: Elderly couples should not bet with joint accounts. If there are 4 elders in a family, the 4 people should bet on their own, hoping that everyone can have a share. The upper limit for individual distribution of silver bonds is 100 lots, and silver-aged people who have excess money do not need to make up for it. After all, last year, a maximum of 14 lots were distributed, and 16,800 yuan of interest was secured for three years.
BOCHK （02388）
Zhou Guochang, deputy general manager of the Personal Digital Financial Products Department, suggested that the elderly should apply for 25 to 30 lots.Standard Chartered Hong Kong （02888）
Xu Guowei, director of wealth management investment products, estimates that 20 lots of silver bonds may be assigned.
(5) Swap old bonds for new bonds: Wen Jie, Head of Asia Investment Strategy Department of KGI Securities, teaches the shrewd tips of the hands-on family, even if the loss is lost, the iBond with only two percent interest will be sold （04246）
turn to silver bonds that pay 1 times more dividends, except for the stupid and refined, but it is advisable to keep green bonds with a guaranteed annual return of 2.5% （04252）
. And the silver bonds are sold back to the government at the original price, and those who leave the market in the middle do not need to worry regarding losing money and selling them at a low price.
Zhang Zhiwei, co-director of Prudential Securities, said that the maximum amount of bank bonds issued last year was 14 lots. Due to the increase in the target issuance amount this year and the increase of the guaranteed minimum interest rate to 4%, it is recommended that the elderly be more aggressive in their subscribers, such as subscribe for 20 to 25 hand.
4% interest for silver bonds Vs 8% interest for China Mobile【Next page】
Guo Jiaan, director and head of the securities business department of Chief Securities, said that the bank intends to provide 3 welcome rewards to qualified new customers of bank bonds, including the opportunity to receive a Donki cash coupon of 300 yuan. No commission, plus real-time quotes for Hong Kong and US stocks.
Guo Jiaan revealed that eligible new customers who successfully opened an account will have the opportunity to obtain the above three rewards even if they only draw 1 lot of bank bonds. As for an existing customer who successfully recommends a new account, the recommender will also receive a 100-yuan supermarket gift certificate.
In addition, new customers will receive 20 shares of Yingfu when they open an account in Bright Talent （02800）
and 10 shares of HSBC （00005）
transfer customers to send 10 shares of Tencent （00700）
Wait for the series to count.
Brokerages send 300 yuan cash coupons Vs to blue-chip stocks【Next page】
Banks and brokerages each attract customers by surprise. Standard Chartered Hong Kong and CCB Asia offer “5 exemptions” for waiving various handling fees, KGI Securities, HSBC and CMB Wing Lung have “6 exemptions”, CNCBI, ICBC Asia, Bank of Communications Hong Kong, Shanghai Commercial and Citigroup all enjoy “7 exemptions”, Fubon and Phillip enjoy “8 exemptions”, and UOB Kay Hian, Bright Talent and Chi Fu are more “10 exemptions”.
If a financier wants to borrow money from Xiaoboda to draw bank bonds, Phillippe is allowed to draw 250,000 yuan or less, 90% of the loan and a margin of 1.98%, and a handling fee of 100 yuan is required. CHIEF also offers a 90% margin, with a draw limit of no more than 100,000 yuan.
Futu Securities offers a special account opening reward for the elderly. For those who open an account and deposit funds of 200,000 yuan for the first time, the subscription fee for bank bonds will be waived. In addition, new customers maintain an average daily cash of 200,000 yuan for one year, and complete the monthly stock or fund contribution. Each person can receive a reward of up to 3,000 yuan, including 1,000 yuan in cash and 2,000 yuan in supermarket gift certificates. And from August 19th, new customers invited by Niuyou can get an additional 100 yuan cash coupon. Niuyou who successfully invites the “two treasures” in the family to deposit funds at the same time can receive a reward of up to 1,200 yuan, and the whole family can receive a total of up to 7,400 yuan.
The issuance amount of bank bonds is 35 billion yuan, with an upper limit of 45 billion yuan. Subscriptions will be accepted on August 23, and will end on September 2. The distribution results will be announced on September 9 and will be officially issued on the 14th. Tickets are supposed to be locked for regarding 22 days before and following.
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Special correspondent: Zeng Guifen
Responsible editor: Chen Chuyuan
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