存定期不如买国债？

Core Points - The issuance of new savings bonds has seen a decrease in interest rates, with the 3-year bond now at 1.63% and the 5-year bond at 1.7%, down by 30 basis points compared to earlier months [1][2] - The recent trend shows that despite the decline in savings bond rates, they still offer better returns compared to traditional bank deposit rates, which have also been reduced [2][7] - The popularity of savings bonds among younger investors is increasing, with many expressing interest in purchasing them despite the lower rates compared to previous offerings [4][5] Summary by Sections Issuance and Rates - The Ministry of Finance announced the issuance of the third and fourth phases of savings bonds from June 10 to June 19, 2025, with maximum issuance amounts of 250 billion yuan each [1] - The interest rates for the bonds have decreased significantly from previous months, with the 3-year bond previously at 1.93% and the 5-year bond at 2% [2][3] Market Comparison - Current bank deposit rates have been lowered, with major banks offering 3-year and 5-year rates at 1.25% and 1.3% respectively, making savings bonds more attractive [7][8] - Many investors are finding that local banks offer higher deposit rates compared to savings bonds, indicating a competitive market for savings products [9] Investor Sentiment - Younger investors are increasingly interested in savings bonds, with discussions on social media about purchasing strategies, indicating a shift in investment preferences [4][5] - The flexible interest payment structure of electronic savings bonds is appealing to investors compared to traditional bank deposit terms [5]