![State Treasury savings bonds. Great offer of anti-inflationary bonds in December, last chance to lower taxes [11.12.2022]](https://d-art.ppstatic.pl/kadry/k/r/1/c9/98/6389e99bdc050_o_original.jpg "State Treasury savings bonds. Great offer of anti-inflationary bonds in December, last chance to lower taxes [11.12.2022]")
The last month of this year with the supply of Treasury bills brings no news or changes. Always the same bonds, and since the Monetary Policy Council did not change the interest rates of the National Bank of Poland in November, the conditions under which one can invest in these financial instruments, which are the safest apart from bank deposits, do not have changed or It is worth mentioning that bonds can be a solution for those saving for retirement, including the ability to set up a tax-advantaged retirement account in December and use the full relief limit.
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The December offer of interest-bearing bonds includes both short-term ones – quarterly and ten-yearly. There are also the most popular, which since July have raised more than half of the capital destined for four-year treasury bills from the market.
In December, the interest rate on 1-year floating rate bonds will be 6.75% and 6.85% on 2-year bonds.
The interest rate on the 3-month fixed rate bonds will be 3.00% per annum and 6.85% on the 3-year bonds. The remaining bonds, in the first period of interest, will accrue interest, respectively: 7.00% for 4-year bonds and 7.25% for 10-year bonds.
The 6-year and 12-year family bonds for beneficiaries of the “Family 500 plus” program will accrue interest of 7.20% and 7.50% respectively in the first year.
The interest rate on 1 and 2 year bonds changes every month. It is calculated as the sum of the reference rate of the National Bank of Poland and the margin, which for instruments offered in December is 0.00% for 1-year notes and 0.10% for 2-year notes.
