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from the primary market and secondary market investment strategy, due to government bonds, financial bonds issuance is taken tender, the basic flat with the market rate of return,[link widoczny dla zalogowanych], so an investment in the secondary market is not much difference. Bonds, as a separate market, the issue of interest rates often do not reflect the prevailing market interest rates, their yields tend to lag behind the secondary market characteristics. So now to buy bonds is a good time.

reasonable tax: private individuals offered advice

impact of interest tax is a major factor in bond yields. The greatest advantage of buying bonds is the interest tax-free, while corporate bonds are no such benefits.

corporate bond yields generally higher than the annual term bonds with higher yields, in part because the interest tax is taken into account. Such as the current issue of the 10-year corporate bond yields generally in about 5%, but considering 20% interest tax deduction, the actual annual return rate of only 4%, (ten years duration of the secondary market yields on government bonds 3.5%). Although both corporate bonds issued by state-owned banks are generally similar to the authority of such financial institutions as collateral, but not as good as bond credit rating, after all, apparently to 0.5 points higher than corporate bond selection is not very worth it.

corporate bonds if interest rates do not charge tax, the situation is quite different.

bond investments for many years in a civil person briefed reporters a reasonable way to avoid tax on interest. In the secondary market, corporate bonds and government bonds are not the same transaction, the investor point of view of the Treasury in the market price of the report only reflects the current market price of debt, not including debt interest component. The report on the corporate debt market, including the market price of bond prices and interest rates.

It is for the above reasons, the corporate debt in the interest of time, of each year a similar gap in the stock ex-dividend, this person is to pay interest on corporate bonds to bonds sold before the day The next day buy back. For example, if a face value of 100 yuan of corporate bonds, interest rate of 5%, then the market price is 105 yuan, tomorrow will pay the interest this year. If you sell the bonds today, buy tomorrow's price is 100 yuan, then the investor to achieve a reasonable tax avoidance purposes, access to the 5 yuan in interest income. If investors simply hold uninterrupted, 20% due to the interest tax deduction, the actual interest can only get 4 yuan.

reporter method in accordance with his instructions to verify a few examples of corporate bonds and interest, even taking into account the transaction costs of back and forth, and still achieve the purpose of tax avoidance.

investment guide: how to operate the second half

second half of the individuals in the bond market, how to do business department of China Securities Sanlihe to the investment banking division Xue Xiangqiu pointed out the recipe. short-term treasury bonds to buy

August 1, the bank is beginning to consignment bonds. With the previous three bonds is different is that the decline in bond yields - 3-year coupon rate of 3.24%, 5-year 3.60%, which is the same interest rate savings over the same period. The total amount of bonds issued 30 billion yuan nationwide, of which 3-year 21.0 billion; 5-year 9.0 billion. 1 August a group, the other half to September 1 continue to sell.

It is understood that the bonds in the first three, all 3-year coupon rate of 3.37%, 3.81% 5-year period. Xuexiang Qiu said that as the lower rate of increase in CPI, the recent rate hike getting smaller and smaller, so implicated in uncertificated bond yields lower. 1 page

Money Example: half a year to buy bonds earned 15

money Example: Bonds became the star of financial products

Speaking to reporters Zhang Department of their own financial management.

early last year, Mr. Zhang bought a money market fund, time did not want to buy bonds, but do not know is frightened by the stock market or used to buy money market funds, that he is no longer like the original high-risk investment, just want to replace the money market fund into a new species.

he became the 04 funds to buy government bonds (7),[link widoczny dla zalogowanych], and that was something last September. Mr. Zhang is currently not thrown out, although price has come down from the highest price,[link widoczny dla zalogowanych], but including debt, including interest, he has achieved a 15% return. Zhang bonds

friends around there are several, they are also a good harvest during the first half, Lee was one of them. Lee is very early, when family bonds, corporate bonds he bought the Three Gorges, the most miserable fell more than 80 yuan, last October, a friend recommended him to fix Diancang, Mr. Lee did not mind at the time of the end of corporate debt to make up some debt, he felt more secure. Who would have thought the bond market this year, so the fire,

expert opinion: buy bonds look at the macroeconomic situation

investment bonds appears to be simple, in fact, to study the knowledge behind a lot, we must first understand is that macroeconomic, and bond interest rates are closely related to it.

Cathay Life Investments, told reporters at the Wusheng Tao, either from the fundamentals of data: economic growth rate down, fixed asset investment growth slowed down,[link widoczny dla zalogowanych], CPI index remained low, and speak from the position to see the recent management short-term rate hike in China, lower interest rates before the expected period is gradually seem to disappear from view, replaced by the idea and even a cut of speech, while the bond market has reflected a greater extent the expected decline in interest rates, in such a market environment, bond investments face the same dilemma.

from the market rate of return and the expected relationship between interest rates, due to the decline in interest rates will inevitably lead to the expected yield to maturity of the bond market lower, the bond market rose, but the market may not yield reduction in the time expected to further reduce, because the market may have been ahead of the expected reduction in interest rates reflected. Long-term investors, buying at the end of rate hike cycle, the long-term bonds held by the highest gains, this strategy has the best, but short-term investors may face downward pressure on market value. The expected reduction in interest rates early, short-term investors to buy bonds are spread wait for the market yields fell, bond prices higher and sell bonds to obtain the profit spread as the ideal way, but long-term investment must be faced down bond yields pressure.

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