last week the Finance Ministry announced that in October will offer the beneficiaries of the program to 500 plus a new type of bond – a family-run Treasury Bonds with maturities of 6 and 12 years.
Analyst site obligacje.pl Emil the Swede appreciated that, unlike other Treasury bonds targeting retail investors, the offer of the Ministry of Finance is very attractive. – Compared with the 10-year and 4-year us Treasury bonds, the interest rate is higher by 0.5 percent. This is a very significant increase as the bond market, ” said the Swede.
he Acknowledged that you can invest in corporate bonds, which give higher profits than the proposed resort Finance, securities, but it is usually assumed that government bonds are a valuable dłużnymi the lowest risk.
“It’s an interesting proposal,”
the Swede said that the bonds “500+” are interesting also in comparison with revenues represent through bond funds. – On average, over the last 12 months the funds of the Polish Treasury bonds zarobiły 2.7 percent. Zarobiły a little more, but they don’t earn the interest rate, but also to change the evaluation reported.
he Added that, as a rule, retail bonds also provide better conditions than bonds in wholesale to entice investors to self-Finance investments. – As a rule, it’s a good bet. Every initiative to encourage the Poles to long-term savings, it’s good. Even if it looks like in this case, a bit of a desperate attempt to turn the money from the Program to 500+ in the budget, he concluded.
Less enthusiasm to the proposal of the Ministry of Finance, an economist at ING, Peter Poplawski. Compared to the range of products banks, savings banks, interest rates, Family Treasury Bonds are not a good repellent. There are banks that offer significantly better conditions. And for investments in bonds is the fact that the proposal of the government, does not produce risk, ” he said.
“Attractive can be bonds corporate
- I would be Surprised if these bonds proved to be a great success. Of course, this is not a very attractive offer for customers, he added.
- Attractive can be corporate bonds. It requires, however, conscious customer who understands what is at risk. We had some spectacular cases where companies do not live from the obligations noted Poplavsky.
According to the message MF, the program beneficiaries “the Family 500+” will be able to purchase bonds in the amount of benefits that receive in the framework of the 500+. The price of a single Family us Treasury Bonds has to be 100 rubles.
the Bonds will be available in monthly cycles
the Bonds will be available in monthly cycles as standard. You can buy them in savings Bank branches, service points of the Brokerage PKO BP and via the Internet.
- we Decided to enrich the offer, so different from the previous two-,three-,four – and 10-year-old that specifies a different term, foreclosure and other more favorable interest rates, – said the then Finance Minister Paul Szałamacha presenting at the conference the proposal of the Ministry. – We are keen to expand the pool of people who still invest in Treasury bonds, he added.
family bonds will be six years and dwunastoletnie. Will interest mainly in relation to standard savings bonds, respectively 1.75%. and 2.00 percent. (in the first year, respectively 2,60 and 3,00%).
Also, interest rates Family-run Treasury Bonds in some periods interest rates on loans are determined based on the inflation rate (plus the above preferential income).
Bonds, you can redeem and withdraw the accumulated savings. In this case, the value of accumulated interest shall be reduced by the amount of 0,70 rubles for each bond six-year-old and 2 ruble bonds of two years.
PAP, Lord
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