理财档案｜储蓄国债依然受宠！有银行APP1分钟售罄

Core Viewpoint - Despite declining interest rates, savings treasury bonds remain popular among investors, with the latest issuance offering competitive rates compared to bank deposits [1][2]. Group 1: Treasury Bond Issuance - The fifth and sixth phases of electronic savings treasury bonds were launched on July 10, with a total issuance cap of 50 billion yuan [1]. - The coupon rates for the 3-year and 5-year bonds are set at 1.63% and 1.7%, respectively, remaining unchanged from the previous issuance [2]. - Investors purchasing 100,000 yuan of the 3-year and 5-year bonds can expect cumulative returns of 4,890 yuan and 8,500 yuan, respectively [2]. Group 2: Comparison with Bank Deposits - Current fixed deposit rates for major state-owned banks are lower, with 3-year rates around 1.5% and 5-year rates around 1.3% [3]. - The savings treasury bonds offer a more attractive option for conservative investors seeking capital preservation [2]. Group 3: Early Redemption Features - Savings treasury bonds can be redeemed early, with interest calculated based on the actual holding period and applicable interest rate tiers [4]. - Specific conditions apply for early redemption, including no interest for holdings under 6 months and deductions for longer holding periods [4].