KEY TAKEAWAYS - U.S. savings bonds, T-bills, and T-notes are all forms of debt issued by the federal government to help finance its operations. - Bonds typically mature in 20-30 years and offer investors the highest interest payments to maturity. - T-notes mature between two and 10 years, with bi-annual interest payments, while T-bills have the shortest maturity terms—from four weeks to a year. - These all can be bought and sold in the secondary market, except for savings bonds, which are registered to a single owner. KEY TAKEAWAYS - Treasury STRIPS are U.S. bonds that are sold at a discount to their face value and pay full face value at their maturity. - STRIPS are treasury bonds where the principal and coupon payments trade as separate securities. - STRIPS holders do not receive coupon payments, only the final payoff on the date of maturity. - STRIPS can only be held through a financial institution or broker. - Originally, only bonds longer than ten years were eligible for STRIPS, but the program has been extended to other notes or bonds.
ibond 好像也可以
KEY TAKEAWAYS - Treasury STRIPS are U.S. bonds that are sold at a discount to their face value and pay full face value at their maturity. - STRIPS are treasury bonds where the principal and coupon payments trade as separate securities. - STRIPS holders do not receive coupon payments, only the final payoff on the date of maturity. - STRIPS can only be held through a financial institution or broker. - Originally, only bonds longer than ten years were eligible for STRIPS, but the program has been extended to other notes or bonds.
### 问题一：长期可以在到期之前取消且不会损失很多利息的债券
在你提到的四种债券中：
1. **US Treasury Notes**（美国国债票据）：期限为2至10年，支付固定利息。 2. **US Treasury Bonds**（美国国债）：期限为20或30年，支付固定利息。 3. **TIPS**（通胀保值国债）：期限为5、10或30年，利息和本金随着通胀调整。 4. **Treasury STRIPS**（剥离国债）：本金和利息分离，单独交易，零息债券，按面值折扣价购买。
这些债券在到期前都可以出售，但市场价格会受到利率和其他市场条件的影响。一般来说，**US Treasury Notes**和**US Treasury Bonds**流动性较好，更容易在二级市场上卖出。**TIPS**也可以卖出，但其价格波动可能会受到通胀预期的影响。**Treasury STRIPS**价格波动更大，因为它们不支付定期利息，只在到期时支付本金。
### 问题二：在Fidelity上购买债券
是的，你可以在Fidelity等券商平台上购买美国国债，而不需要通过TreasuryDirect。许多投资者选择通过券商平台购买债券，因为这些平台提供了更好的用户界面和更多的投资选择，而TreasuryDirect的注册和账户管理相对繁琐。
### 总结
- **US Treasury Notes**和**US Treasury Bonds**通常是长期投资者的选择，因为它们流动性好，可以在到期前出售且利息损失相对较小。 - 你可以在Fidelity等券商平台上购买债券，避免TreasuryDirect账户的复杂性。
希望这些信息对你有所帮助，祝你投资顺利！