Now new savings bonds are better than deposits?  It is worth investing in one-year and two-year Treasury bonds in July [4.07.2022]

Will the new type of retail bond announced by Prime Minister Mateusz Morawiecki and based on the NBP reference rate protect Poles’ savings from value loss due to inflation? Will the bonds be competitive with the bank deposits that the banks started raising interest rates on?

It is difficult to assess whether the interest rate on deposits is higher than the interest rate on bonds. In the case of bonds, it is clear: the interest rate is known, and you can enter the game without any prerequisites, with an investment of only PLN 100. Deposits may carry higher nominal interest rates, but first let’s get acquainted with the details for their evaluation: whether you need a bank account, at least how much you need to invest (perhaps not PLN 100 for deposits with higher interest). Above all, if we deposit for a year even at 6.5 percent, it will be for 12 months. Meanwhile, bonds bought in July in August are likely to carry higher interest if prices rise, and possibly even higher in September. This can be taken into account if someone is convinced that deposits, however, give more …

At the outset, it should be noted that the proposed new interest rate on bonds is a result of the expectations of commercial investors. Increasingly, they expect higher interest rates when selling securities. So, will the new type of retail bond, based on the NBP reference rate, protect Poles’ savings from losing value due to inflation?

In July, given the increase in the NBP reference rate by 0.75 percentage points, the interest rate on one-year floating-rate bonds will reach 6.00%, and on two-year bonds to 6.25%.

Leave a Reply

Your email address will not be published. Required fields are marked *

You May Also Like

This is certain. Now there will be a standard indexation of pensions. As the benefits increase. Check the lowest pension increase

Despite inflation, which topped 16 percent in August, the 14th pensions will…

What to do to make a December tree bloom in winter? Fertilize the plant in late summer

Grudnik fits perfectly into the winter aura. It blooms for several weeks…

Sebastian Kulczyk achieved his goal. There will be a mandatory purchase of Ciech shares

To be able to make a mandatory purchase of shares, a shareholder’s…

Agora Solidarity collective increases, how many people will leave what severance payments crisis

on Friday agora He announced that the mass layoffs, scheduled for November…