Trust and corporate bonds, where to buy them, the kind with fixed income and repayment of principal and interest at maturity.

Although there are many varieties in China's bond market, such as government bonds, policy financial bonds, corporate bonds, convertible bonds, corporate bonds, short-term financing bonds, medium-term notes, etc., there are still many individual investors who are unclear about bond investment. Many investors mistakenly believe that individuals can only buy government bonds, and that only the bank counter is the only way to buy bonds. In fact, individuals also have many choices in bond investment. There are three channels for individuals to buy bonds:

1. Securities companies open accounts and trade in the exchange. At present, there are book-entry treasury bonds, corporate bonds, corporate bonds and convertible bonds circulating in the exchange bond market. In this market, as long as individual investors open bond accounts in the business department of securities companies, they can buy bonds just like stocks, and they can also realize the spread trading of bonds.

2. Buy savings bonds at the bank counter. You can subscribe for voucher-type treasury bonds and book-entry treasury bonds issued to the bank counter bond market at the time of bond issuance. These bonds are generally illiquid and are only sold by individual investors, which play a more savings role. Investors can only hold it at maturity and get coupon interest income; However, some banks will provide investors with voucher-type treasury bond pledge loans, which provides a certain degree of liquidity. To purchase voucher-type treasury bonds, investors only need to hold their valid identity documents and open an account at the bank counter. Opening a personal treasury bond escrow account for savings bonds only does not charge opening fees and maintenance fees, and the proceeds from treasury bonds are exempt from interest tax. Now with the popularity of online banking, banks also have electronic government bonds, which can be purchased through online banking.

3. Bond funds and fixed-income products Except for treasury bonds and financial bonds, almost all bond markets circulate in the inter-bank bond market, including subordinated bonds, short-term corporate financing bonds, ordinary financial bonds of commercial banks and foreign currency bonds. These varieties generally have higher returns, but individual investors are still unable to invest directly. Bond funds can invest in government bonds, financial bonds, corporate bonds and convertible bonds, while banks can invest in a wider range of fixed-income products, including government bonds, policy bank financial bonds, central bank bills, short-term financing bonds and other bonds issued in the national interbank market.

What individual investors can generally buy are short-term government bonds. At present, banks mainly sell treasury bonds with a maturity of less than 10. At present, the interest rate of 3-year treasury bonds is on sale, with a monthly rate of 10, the interest rate of 4.92% and the interest rate of 5-year treasury bonds of 5.32%. 30-year and 50-year treasury bonds are only issued to banking institutions.