A new round of National Savings Bonds is being issued, and personal pension accounts are in high demand.

On June 10, 2026, the third and fourth phases of savings bonds were launched for a total of 70 billion yuan. Unlike in the past, this time the savings bonds are included in individual pension products, with their exclusive quota accounting for 40% of the initial sales quota for the current period of savings bonds. Currently, many commercial banks such as Industrial and Commercial Bank of China, Bank of Communications, China Construction Bank, China Merchants Bank, and Industrial Bank have launched the purchase function for "savings bonds" simultaneously. Investors can log in to the App of the bank where their personal pension account is located, enter the personal pension zone, deposit funds, and open a national bond custody account to make a purchase. In terms of profitability, savings bonds have certain attractiveness. Currently, the listed interest rates for 3-year and 5-year term deposits in state-owned major banks are approximately 1.25% and 1.30% respectively, both lower than the interest rates of this period of savings bonds - with an annual interest rate of 1.63% for the 3-year term and 1.7% for the 5-year term.