What are the precautions for implementing the purchase and holding method of national debt?

National debt is a kind of low risk, but if you invest in national debt improperly, it will lead to a decline in yield and even a loss. Therefore, investors should pay attention to the following four aspects: first, make long-term financial planning before buying; Second, customers with uncertain term of holding government bonds should buy higher book-entry government bonds in coupon rate; The third is to avoid the initial purchase in the secondary market; Fourth, counters and online platforms can be purchased. If investors pay the certificate-based government bonds in less than half a year, they will have to pay a handling fee of 0. 1% in addition to no interest, resulting in a shrinking principal. If it is held for half a year to two years, it will bear interest at an annual rate of 0.72%. If the holder pays in advance after one year because he is in urgent need of money, the yield is only 0.62% after deducting the commission. Obviously, buying government bonds is a "dumb loss." Therefore, investors must make long-term financial planning before buying certificate-based treasury bonds. They can combine certificate-based treasury bonds with funds, demand deposits and time deposits, that is, "don't put eggs in one basket", so that there will be no "loss-making business" when money is needed. A misunderstanding of investing in book-entry treasury bonds is that it is not the most cost-effective to hold them at maturity. For the book-entry treasury bonds circulating in the secondary market, the price fluctuates, which is affected by factors such as interest rate changes and fund speculation. Individual book-entry treasury bonds with a long term will even be hyped up in the early stage of listing, which will make the income in the next few years "overdraw" in advance, which is very difficult and risky to operate. Therefore, for those customers who hold government bonds with uncertain maturities, they choose to buy higher book-entry government bonds in coupon rate.