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give out red envelopes during every festive season!

the national day is coming soon, the stock market is closed, and idle money is just sitting there doing nothing, so everyone can use the idle money to “pick up money”!

according to the data, during holidays, at the end of the quarter and at the end of the year, the yield of treasury bond reverse repurchase usually jumps. at this time, investors can earn risk-free returns during the holidays by simply operating treasury bond reverse repurchase, which is a small benefit for stock investors.

combined with the national day holiday this year, today is one of the best times to operate treasury bond reverse repurchase. today, you can earn 11 days of interest by investing in a 2-day reverse repurchase, and the funds will be credited to your account before the market opens on october 8, and can also be used for continued investment.

it’s time to “pick up money” again!

according to the arrangement of the national day holiday this year, the shanghai, shenzhen and beijing stock exchanges will be closed from october 1 (tuesday) to october 7 (monday), and will open as usual from october 8 (tuesday). during the above period, the exchanges will also suspend the hong kong stock connect service, and will open the hong kong stock connect service as usual from october 8 (tuesday).

the so-called reverse repo of treasury bonds is essentially a short-term loan. in layman's terms, it is to borrow funds through the treasury bond repo market, and investors lend money to others to earn fixed interest; while others use treasury bonds as collateral and repay the principal and interest when they mature.

at the end of the month or during holidays, the market is relatively tight on funds. treasury bond reverse repurchase may capture and earn market interest rates. buying in advance may give you the opportunity to enjoy holiday returns. for example, if you buy a 2-day bond on september 26 (thursday), you can accrue interest for 11 days; if you buy a 3-day bond on september 25 (wednesday), you can accrue interest for 12 days.

it should be noted that the interest-bearing days for reverse repurchase of treasury bonds are based on the number of days that institutions actually occupy funds. therefore, if you want to accrue interest during the entire holiday, remember to complete the order before 15:30 on september 27; if you operate on september 30, you will not enjoy the holiday benefits.

it is also important to note that the reverse repurchase rate will usually drop after 15:00 in the afternoon. although it does not affect stock trading, you can wait until the market closes before participating in the reverse repurchase operation, but if there are no good stock investment opportunities on that day, investors can consider placing orders at an annualized interest rate that they are satisfied with before 14:00 in the afternoon.

a little more money, holiday benefits in hand

although reverse repurchase of treasury bonds sounds high-sounding, its actual operation is even simpler than buying and selling stocks. you can participate as long as you have a stock and securities account.

in terms of specific operations, during the trading hours (9:30 to 11:30 a.m. and 13:00 to 15:30 p.m. every trading day), investors can click the "treasury bond reverse repurchase" button on the trading page of the trading software to see the real-time yield and interest-bearing days of various products in the shanghai and shenzhen stock markets. select the treasury bond reverse repurchase product, lending rate and lending amount to operate.

both the shanghai stock exchange and the shenzhen stock exchange have treasury bond reverse repurchase products. the shanghai stock exchange's treasury bond reverse repurchase begins with the letters "gc", and the shenzhen stock exchange's treasury bond reverse repurchase begins with the letters "r-". the threshold is 1,000 yuan and its integer multiples. the shanghai stock exchange and shenzhen stock exchange's treasury bond reverse repurchase products are divided into nine varieties: 1 day, 2 days, 3 days, 4 days, 7 days, 14 days, 28 days, 91 days, and 182 days.

is there any risk in reverse repo of treasury bonds? according to dongguan securities, reverse repo of treasury bonds is a low-risk investment with strong liquidity. after the transaction, there is no risk of price fluctuations. it is similar to a mortgage loan, with treasury bonds as collateral to ensure the borrower's repayment ability. in the actual transaction, the bonds are pledged to a third party, namely china securities depository and clearing corporation, which makes the transaction safer and more convenient for both parties.

is there a handling fee for reverse repurchase of treasury bonds? yes, there is a handling fee, but it is very low, 1 yuan per day for every 100,000 yuan (roughly 1/100,000), interest is calculated on a daily basis, and the maximum is 30 yuan.

for most stock investors, they only need to participate in one-day reverse repurchase transactions on a daily basis to ensure that the funds are available before the next trading day and do not affect stock operations.