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]

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?