【Silver Bond Strategy】 Silver Bonds Are Officially Open For Sale - Hong Kong Economic Times- Instant News Channel- App Zone

▲ 【Strategy for silver bonds】 Silver bonds are officially open for sale

Silver bonds with a guaranteed minimum interest rate of 4% are officially launched In a context of rising interest rates, the interest rate of 4% is not very attractive, but it is still a good investment choice for investors. retirees. Experts provide 5 interest earning strategies for silver bond underwriting and suggest that seniors drawing silver bonds this time may be a little more aggressive and underwrite 20 lots of silver bonds.

(1) Those under the age of first born are also admitted According to statistics at the end of last year, there were about 2.1 million people aged 60 or over.

(2) Constant profit of 1,000 yuan at no cost: For silver bonds commonly known as iBonds for seniors, the guaranteed minimum interest this year was increased from 3.5% to 4%, with a interest rate of 400 yuan per lot (10,000 yuan) and a stable exchange of 1,200 yuan for 3 years, outperforming. One-year Hong Kong dollar time deposit, the current maximum interest rate is 3.18% of the Overseas Chinese Wing Hang, the threshold is 200,000 yuan, and total asset management is required worth 1 million yuan.

The bank bonds have not yet been sold and the battle for customers has erupted. （01428）
Send blue-chip stocks, 300 yuan cash coupons from Chi Wealth Securities and up to 3,000 yuan in Futu Welcome Rewards. And Phillip Securities is one of the few brokerage firms that offers a 100% margin subscription, with 5 lots or less to enjoy “3 waivers” (zero interest, no deposit, and no handling fee). The bond issue involves full payment.

High interest fixed deposits are mostly short term, experts say buying silver bonds is cheaper than Hong Kong dollar fixed deposits【Next page】

(3) Double Interest Earnings: The sale period of the silver bond is 11 days and the maturity is September 2nd. The broker can cut the number a day earlier and those with loose money can wait until the last minute to enter the ticket. To make the most of the 10-day window period, you may want 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 quickly earn about 5,700 yuan. When the fixed deposit expires, the bank bonds will be withdrawn again, hoping to earn interest on both sides.

(4) Grand Siege Strategy: Older couples should not bet with joint accounts. If there are 4 seniors in a family, the 4 people should bet alone, hoping that everyone can get a share. The maximum limit for the individual distribution of silver securities is 100 lots, and people of the silver age who have excess money need not make up for it. After all, a maximum of 14 lots were distributed last year, and interest was guaranteed to be 16,800 yuan for 3 years.

BOCHK （02388）
Zhou Guochang, Deputy Director General of the Personal Digital Financial Products Department, suggested that seniors should apply for 25 to 30 lots. Standard Chartered Hong Kong （02888）
Xu Guowei, director of investment products for wealth management, estimates that 20 lots of silver bonds could be awarded.

(5) Swap Old Bonds For New Bonds: Wen Jie, Head of Asia Investment Strategy Department at KGI Securities, teaches practical family shrewd advice, even if the loss is lost, the iBond with only two percent interest will be sold （04246）
switch to silver stocks that pay 1 times more dividends, except for the stupid and refined ones, but it is advisable to keep green bonds with a guaranteed annual yield of 2.5% （04252）
. And silver stocks are resold to the government at the original price, and those who leave the market in the middle don’t have to worry about losing money and selling them at a low price.

Zhang Zhiwei, co-director of Prudential Securities, said the maximum amount of bank bonds issued last year was 14 lots due to the increase in the target issue amount this year and the increase in the rate of 4% guaranteed minimum interest, seniors are recommended to be more aggressive in their subscribers, for example sign up for 20-25 hands.

4% interest on silver bonds versus 8% interest on China Mobile【Next page】

Guo Jiaan, Chief Securities Director and Head of Securities Affairs Department, said the bank intends to provide 3 welcome rewards for qualified new bank and bond customers, including the opportunity to receive a 300 yuan Donki cash coupon, free of charge. commissions, plus real-time quotes for Hong Kong and US stocks.

Guo Jiaan revealed that eligible new customers who successfully open an account will have the opportunity to earn the above three rewards even if they draw only one batch of bank bonds. As for existing customers who successfully recommend a new account, the referrer will also receive a 100 yuan supermarket gift card.

Additionally, new customers will receive 20 Yingfu shares 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.

Brokerage firms send 300 yuan in cash coupons against blue-chip stocks【Next page】

Banks and brokers lure customers by surprise. Standard Chartered Hong Kong and CCB Asia offer “5 exemptions” for waiving various management fees, KGI Securities, HSBC and CMB Wing Lung have “6 exemptions”, CNCBI, ICBC Asia, Bank of Communications Hong Kong, Shanghai Commercial Bank and Citigroup all enjoy “7 exemptions”, Fubon and Phillip enjoy “8 exemptions” and UOB Kay Hian, Bright Talent and Chi Fu are more than “10 exemptions”.

If a financier wants to borrow money from Xiaoboda to withdraw bank bonds, Phillippe can withdraw 250,000 yuan or less, 90% of the loan and a 1.98% margin, 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 bonus for seniors: 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 exempt. In addition, new customers maintain an average daily liquidity of 200,000 yuan for one year and complete the monthly contribution of shares or funds.Each person can receive a reward of up to 3,000 yuan, including 1,000 in cash and 2,000 yuan in supermarket gift certificates . And from August 19, Niuyou’s new customers can get an additional 100 yuan cash coupon. And Niuyou who successfully invites the “two treasures” of the family to deposit funds at the same time can get a reward of up to 1,200 yuan, and the whole family can receive a total of up to 7,400 yuan.

The amount of the bank bond issue is 35 billion yuan, with a maximum limit of 45 billion yuan. Subscriptions will be accepted on 23 August and will end on 2 September. The results of the distribution will be announced on 9 September. and will be officially issued on the 14th. Tickets should be held for approximately 22 days before and after.

[Strategia del debito d’argento]Experts teach 4 tricks to earn high interest yields on the 8.23 sale of silver debt

[Deposito vincolato in dollari di Hong Kong]How high is the interest rate of the Hong Kong dollar time deposit, Wang 6%, the fixed deposit plan exceeds the bank bond with a guaranteed minimum interest of 4%?

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Special Correspondent: Zeng Guifen

Responsible editor: Chen Chuyuan

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