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Silver bonds (silver bonds) exclusively for seniors aged 65 and over will be officially accepted for subscription on Tuesday (December 1) The broker will attract customers and encourage customers to purchase tickets through electronic channels as much as possible. Experts pointed out that silver-haired people should draw, and those with free capital should do their best to buy tickets, with a personal limit of 100 lots (10,000 yuan per lot, or 1 million yuan). The increase in the win rate is due to this year. The “guaranteed interest rate” has increased substantially from 3% to 3.5%, much better than Hong Kong dollar term deposits.
For a list of bank and brokerage discounts, see[Pagina successiva]
Details and important dates of the sale of bank bonds[clicca per ingrandire]
Five industry tips to teach the way more, including:
(1) For those with loose hands, a heavy hammer should be used:Request a limit of 1 million yuan, hoping to increase your chances of winning.
(2) Sponsored Clients Subcontracting Margin Exhibits:Bank debt, commonly known as “Elderly iBond”, does not have a second-hand market and there are many brokerage firms in the market. For the moment, only Phillips, a rare brokerage firm, is willing to provide financing. The interest rate of 90% is 1.88%, which is above 50%. Starting from 1.68%; It also allows 10% margins with zero interest and no deposit, which is convenient for seniors to transfer their bets to new stocks, such as JD Health focus stocks (new listing code: 06618) and Blue Moon, etc. After the withdrawal, the bank debt will not be available until the middle and end of December.
(3) The final sprint did not fly:The sale period for silver bonds lasts 9 business days, which is longer than the previous 7 days, from the beginning of December to 11 December. Since banks and brokerage firms generally don’t set margins, it means candidates will be deducted when placing a bet. For retail investors with small dormant funds, if you don’t want your money frozen, you can also wait until December 11 before you can receive the final deadline. After all, the results of the distribution of silver bonds were only announced on December 18th and formally issued on December 22nd. Banks can redeem them from mid to late December. It can be inferred that the positions of silver-haired people could be frozen for more than half a month. Whoever counts has to make financial arrangements.
(4) Don’t quit the game halfway:Since iBond for seniors does not have a second-hand market, midway releases can only be repurchased by designated banks or brokers and cannot earn full interest. With the 3.5% “deductible interest” of silver bonds, the interest earned per lot is 350 yuan per year, and the loyal customer has a stable pocket of 1050 yuan for 3 years, which is a lot more than 0.85% of the current one-year fixed deposit “High Interest King” Chiyou. The threshold is even higher than 100,000 yuan, and wealth management accounts designated as millionaires are required to enjoy the higher special interest rate mentioned above. Chen Yingjie, the director of corporate finance at Phillip Securities, believes that the generous dividend payment is a disguised form of the government’s alternative sugar distribution, which should be very popular; and it is recommended that low-risk groups take out the subscription. I believe interested parties will raise the total issue price by 10 billion yuan. Increased to 15 billion yuan.
(5) Do not repeat the application:If family members place bets online on behalf of their parents, friends do not have to go to the branch to complete the formalities in person to avoid disqualification.
Related article:[Silver Bonds]Phillip Bank Bond launches 5 interest rates at a preferential margin of 1.68%
[Obbligazioni d’argento]Bank bonds will be sold on December 1st Brokers intend to send money to iBond senior clientsDownload and use the “Hong Kong Economic Times” App for free and become a member to receive the most accurate financial and current news in real time, with a variety of welcome gifts to choose from!
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Journalist: Zeng Guifen
Responsible director: Liang Zhihao
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