個人向け国債の購入方法について解説された記事で、金融機関やオンラインでの購入方法、政府による国債の仕組み、金利、購入条件、償還期限、手数料などが詳細に説明されています。個人向け国債の重要性や将来的な利益についても言及されており、金融商品の選択や資産運用の必要性も強調されています。記事はファイナンシャル・プランニング技能士の取材協力に基づいており、生涯設計やトータルライフプランニングの重要性が強調されています。
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Table of Contents
Where can individual government bonds be purchased?
Mechanism of individual government bond bonuses by the government.
Flow until purchase
Summary
Where can individual government bonds be purchased?
If you want to buy individual government bonds, where should you purchase them? Individual government bonds can be purchased at many financial institutions. Specifically, you can purchase them at the following places.
Financial institutions and securities companies
You can also purchase government bonds at financial institutions such as local banks, regional banks, credit unions, etc., and securities companies. Financial institutions and securities companies act as intermediaries in the sale of government bonds and support purchases.
Online purchase request
While it is possible to purchase government bonds over-the-counter, you can also apply for purchases online. Although the number of financial institutions offering online purchases is fewer compared to physical institutions, it saves you the hassle of visiting a financial institution. It’s important to note that different financial institutions offer varying interest rates and promotions, so pay attention when choosing a financial institution.
Post office counter
You can also purchase government bonds at the savings counters of the post office or at Yucho Bank. However, please note that you cannot purchase them with cash at the post office or Yucho Bank; instead, they are deducted from a regular deposit account.
Mechanism of individual government bond bonuses by the government.
Individual government bonds are easy to purchase in small amounts and have a minimum guaranteed interest rate. Let’s take a look at the mechanism.
Types of products
Individual government bond products can be selected from three types: variable 10-year, 5-year, and fixed 3-year, as shown in Table 1.
There are two types of interest rates: “variable interest rate,” where the interest rate is reviewed semi-annually, and “fixed interest rate,” where the interest rate at the time of purchase remains constant throughout the period. Both types guarantee a minimum annual rate of 0.05%.
Purchase conditions
All products can be purchased from a minimum of 10,000 yen in 10,000 yen increments. They are issued monthly (12 times a year), and can be purchased during the specified purchase period.
Interest and concerns
Interest rates vary depending on the product and offering period.
You can receive interest payments every six months (twice a year). For example, the interest rate for the “5-year fixed interest rate from April 4, 2020 to April 30, 2020” is 0.36%. You can receive 10 interest payments in 5 years, but since the interest rate is annual, if you purchase 1 million yen, the interest you receive per payment would be:
1 million yen x 0.36% ÷ 2 (twice a year) = 1,800 yen
Over 5 years, the total would be:
1,800 yen x 10 payments = 18,000 yen
This means that when the redemption deadline arrives, the initial investment of 1 million yen will be returned without loss, and the interest received will be the profit.
However, a 20.315% tax will be withheld as income tax at the time of interest payment. Due to the current situation of low interest rates caused by financial easing policies, significant profits cannot be expected, and the profitability is not high.
Midway cash conversion
After one year from the issue date, it is possible to exchange the bonds for cash. If you choose to exchange them midway, an amount equivalent to “the above 2 interest rates x 0.79685” will be deducted as a “midway exchange adjustment amount,” so please be aware of this. It is recommended to plan your purchases so that you do not need to withdraw money immediately after one year.
Transfer settlement system (paperless)
The transfer settlement system is a paperless system that manages transactions in accounts without issuing paper bills. For government bonds issued after January 2003, government bond certificates are not issued.
Flow until purchase
While purchasing individual government bonds is not difficult, certain procedures such as opening a special account are required. Let’s look at the steps before purchasing.
1. Decide where to make the purchase
Check the financial institutions near you or online financial institutions where you can make purchases, and decide where to make the purchase. If you are purchasing government bonds for the first time, you will need to open a special account for government bonds at a securities company or bank or other financial institution that handles government bonds.
2. Open an account
Individual government bonds are managed in a government bond account opened at a securities company or bank, among other financial institutions. However, some financial institutions may charge fees for account opening and maintenance. Also, the account opening process may take several days at some financial institutions, so please check with the financial institution for details.
For account opening, you will need identification documents such as a driver’s license, My Number card, health insurance card, My Number (individual number), and a personal seal.
3. Purchase application
After opening an account, proceed to purchase the government bonds. Government bonds can be applied for purchase during a certain period (recruitment period) before the issue date, but the types of government bonds available and the recruitment periods vary among financial institutions.
When purchasing government bonds, you will need the purchase amount, passbook, personal seal, etc. For more information, please contact the financial institution where you have opened the account.
Summary
We have looked into individual government bonds, how do you find it? Under the financial easing policies such as zero interest rates and negative interest rates, government bonds have not received much attention, but recently there has been talk of the Bank of Japan raising interest rates. If Japan enters a significant interest rate hike phase, individual government bonds may garner attention.
Currently, at the counters of banks and other financial institutions, consultations regarding asset management and investment are frequently conducted. At the same time, on the internet, various people are spreading investment methods through YouTube and social media from their respective perspectives. However, is that advice really right for you?
In a world where various financial products circulate, having someone to support and protect you is necessary.
●Contributor: Miki Fujiwara
Representative Director of SMILELIFE Project Co., Ltd., Certified Financial Planner 1st Class. Established SMILELIFE Project Co., Ltd. in September 2017. Started the individual total life planning service “LIFEBOOK® service” in anticipation of the arrival of the 100-year society. Established an independent franchise advisory system specializing in consulting fees without selling financial products or insurance products, and aims to create a new franchise advisory system by utilizing the latest knowledge of FPs and an advisor training program based on the American model. “Shape of Life”.
Contact: 03-6403-5390 (SMILELIFE Project Co., Ltd.)
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●Issued by: Kyoto Media Line (Website: