1
"Jianping, I was recently recommended to open a stock account. Shall I open it? "
"For people who invest in wealth management, it is a matter of time before they open a stock account."
"But I don't want to set foot in stocks yet. It is often said that stocks are risky. Many people have been cut off in the stock market. Now I have no need to buy or sell stocks. Opening a stock account is basically useless. Let's wait until I finish learning about stocks. "
"This is the idea of many people. In fact, opening a stock account has many uses besides buying and selling stocks. Some functions are particularly useful. Just like buying a free lottery ticket, it doesn't cost too much. Once you win the lottery, there are many benefits! "
"What function? Is there such a benefit? "
"For example, new debt! Look, these are two new bonds I won this year. One yield 15% and the other yield 40%. There is basically no risk. "
2
"What do you mean by new debt?"
"I have explained the meaning of bonds to you before. We know that every company needs money. At this time, the company will borrow money from others (that is, financing). The financing method of a company can be issuing stocks or bonds. Simply put, it is to buy IOUs from other companies. This loan is the basis for the company to borrow money from you and will return the principal and interest to you regularly. "
"Then why is the new bond yield so high?"
"This kind of bond is different from ordinary bonds. This kind of bond is called convertible bond. We can understand it as both a stock and a bond. You can either return the principal and pay the interest according to the interest of the bond after the company agrees to maturity, or you can convert it into the stock of this company and continue to hold it. It has dual rights and is therefore sought after by the market. "
"Double rights bonds! What a magical bond! "
"This is also the main purpose of many people opening stock accounts to make new debts!"
"Very well! I am also eager to try. "
"But I want to remind you that it depends on luck to make new debts! Since making new debts is so profitable, there must be many people who want to make new debts, so making new debts is carried out by lottery. Whether you can win the lottery depends entirely on luck, just like buying a lottery ticket. "
three
? "What conditions do you need to make new debts? In addition to opening a stock account, is there any capital requirement? "
"After you open a stock account, you can participate in the new debt. There is no need for funds in the account, and there is no need for experience in buying and selling stocks. It is a project that anyone can participate in with zero threshold. "
"How to make new debts?"
"New debt can be divided into five steps:
The first step is to open a stock account;
The second step is purchasing;
Step 3, wait for the lottery;
Step 4, pay after winning the prize;
The fifth step is to sell it on the day of listing (it takes about 20 days to sign in from you). "
"How much does it cost to win the lottery?"
"The face value of each bond is 100 yuan, and the minimum unit of each new bond is 1 hand, that is, 10 bonds. If you win the lottery, you need to pay 1000 yuan (mostly 1 hand). "
"What is the income of the new debt? Is there a risk? " This is what Xiao Jia cares about.
"From my own experience, the income of new debt is between 10%-50%. If it is sold on the day of listing, there is basically no risk. "
"Why sell it on the day of listing?"
"This? In fact, I have heard others say so! "
four
"In addition to new debt, what other operations can obtain risk-free income?"
"There is also a reverse repurchase of government bonds, which is also a risk-free income."
"What is the reverse repurchase of national debt?"
"The simple explanation is that we lend money to people in need, and they take their own national debt as collateral. This is a short-term lending behavior. "
"How to operate specifically?"
"This matter is divided into three steps.
The first step is to open a stock account;
The second step is to buy. You can buy it on the Shanghai Stock Exchange, but you need to buy it from 654.38+ 10,000. You can also buy it in Shenzhen Stock Exchange, starting from 1000 yuan; The term of reverse repurchase of government bonds ranges from 1 day to 182 days, and the interest rate is also different.
The third step is sales. After the national debt reverse repurchase expires, the funds will automatically arrive (T+2 arrives). "
"How is the income?"
"This income is not high. Under normal circumstances, the term of 1 day is only about 3%. However, more people are in urgent need of money before holidays, and the loan interest rate will be very high, which may reach 7%, because this is a short-term borrowing behavior. "
"In other words, if you have spare money in your hand and don't need it for the time being, you can consider reverse repurchase of government bonds."