一直以来,在投资者的个人资产组合中,国债都占有一定的比重。这不仅因为国债的收益率通常比银行的存款收益率高,收益所得无需缴纳利息税,更重要的是国债的发行者为国家,安全性上有保障,更符合投资者“保本”的心理。有人曾分析认为,我国的中老年人普遍对国债有一种固有的偏爱,他们认为购买国债才是最保险、最安全的财富增值手段。据了解,目前可供个人投资的国债品种主要有4种:交易所记账式国 All along, in the personal portfolio of investors, the national debt has a certain proportion. This is not only because the yields of government bonds are usually higher than those of banks, but the income tax is not subject to interest tax. More importantly, issuers of national debt are safeguards for the country and are more in line with the investor’s “guaranteed capital.” psychological. Someone once analyzed that the middle-aged and elderly people in our country generally have an inherent preference for national debt. They think that the purchase of national debt is the safest and most secure means of increasing wealth. It is understood that there are currently four main types of treasury bonds available for individual investment: the book-keeping countries