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Off topic & small talk: Government bonds do you get back the money you originally paid in?

Topic created on 11th Oct. 2023 | Page: 1 of 1 | Answers: 5 | Views: 872
Sebi123
Amateur

Government bonds do you get back the money you originally paid in?

11th Oct. 2023, at 05:36 pm CEST#1
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If one invested e.g. 100 euro in government bonds to 3 per cent for 1 year one gets then in one year 103 euro or only 3 euro again back/paid out?

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Langhans_innen
Expert

Government bonds do you get back the money you originally paid in?

11th Oct. 2023, at 06:11 pm CEST#2
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Liked this post: Avatar von bigbig bigbig
At the end of the term, of course, you also get back the original amount of the bond. They don't just keep it like that In the case of a multi-year bond, only the yield during the year. The question would be why you should invest in the junk now, while interest rates are rising on a weekly basis.

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Falko
Icon

Government bonds do you get back the money you originally paid in?

11th Oct. 2023, at 10:23 pm CEST#3
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However, there are now also some banks, even if only a few, that pay more interest than what you get for government bonds. All European banks have a Deposit guarantee of 100,000 euros. One bank that pays decent interest is Klarna Bank. And everyone knows the payment Provider Klarna.
Term of 6 months 4,10 % annual interest
Term of 12 months 4,33 % annual interest
Term of 18 months 4.12 % annual interest
Term of 24 months 4.01 % annual interest
Term of 36 months 3.96 % annual interest
Term of 48 months 3.91 % annual interest


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Langhans_innen
Expert

Government bonds do you get back the money you originally paid in?

11th Oct. 2023, at 10:38 pm CEST#4
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Liked this post: Avatar von bruffl bruffl
There are dozens of overnight money providers who pay more than you get for a multi-year German bond. We don't even need to start with maturities of around 12 months or more at all the investment banks. It starts at around 4.5% and is now scratching the 5% mark. No bond can keep up with that, and up to 100,000 euros, it's completely Risk-free. Of course, if we're talking about a quarter of a million in investment assets, we might have to think about a certain degree of investment diversification

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Pat1991
Top Member

Government bonds do you get back the money you originally paid in?

11th Oct. 2023, at 11:06 pm CEST#5
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No. The state will have gone bankrupt by then and you will be left with a pile of toxic papers. It's obvious

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Langhans_innen
Expert

Government bonds do you get back the money you originally paid in?

11th Oct. 2023, at 11:36 pm CEST#6
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Let's talk about this Deposit Insurance again: I have only had this happen once in many years. It must have been around 2010. I don't even remember the name of the bank.... It's definitely unknown. But a German bank. Term was I think as so often 12 months...longer I actually never do. Amount about 5,000. Then came a letter..."Your bank is insolvent and now we are responsible for your deposit". I think they wanted to have something in writing again...but it went completely quietly and smoothly, so you never had to worry about your money. However, from the time of the insolvency there was no more interest and the investment capital was also returned only when the original investment period had expired. In the end, it cost a few months of lost interest.

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