July holidays in 2025 passed under the sign of an investment storm. Poles massed off to collect government bonds, buying securities for a evidence amount this year PLN 8.2 billion. This is the highest monthly result, which confirms a immense interest in this form of saving. The Ministry of Finance provided authoritative data that leave no illusions – in the face of the upcoming changes in interest rates, many Poles decided to act rapidly to safe their savings on favourable conditions. Analysts indicate that there are respective key factors behind this boom, including the announcement of interest rate cuts and the collapse of previously purchased securities. For millions of savers, it is simply a signal that the marketplace is entering a fresh phase, and the July offer may have been the last specified an attractive chance for a long time. We're checking precisely what happened behind that evidence and what it means for your wallet.
Why do Poles buy bonds in bulk? It's not a coincidence.
The July taxation bond boom was not an accident. According to the experts of the portal Analyzy.pl, behind evidence sales there were 3 main reasons. First of all, in July, bonds purchased a year earlierand their holders faced a decision on what to do with the recovered funds. Many of them, seeing the current marketplace conditions, decided to reinvest, i.e. re-purchase of taxation papers. It's a natural mechanics that drove demand.
The second key origin was the May decision of the National Bank of Poland. The Monetary Policy Council then cut interest rates from 5.75% to 5.25%which was a clear signal to the marketplace that the era of advanced feet was slow coming to an end. Investors, expecting further reductions, wanted to "freeze" a higher interest rate for longer before it became unavailable. This phenomenon has accelerated the purchasing decisions of many people.
Finally, the 3rd and possibly most crucial reason was a direct announcement by the Ministry of Finance about retail bond interest cuts since August. This information made the July offer a last chance for many to benefit from higher rates. Deputy Minister of Finance Jurand Drop, as quoted by the CIS portal, emphasized that the evidence level of sales confirms how consciously Poles approach to managing their savings in a dynamically changing economical environment.
Record numbers talk for themselves. Which papers vanish the fastest?
Data published by the Ministry of Finance, analysed by the Business Pillars portal, clearly show the preferences of Poles. Strength Almost 80% of all July sales were short-term bonds 1 year and 3 years old. This proves that the savers are looking for a safe haven for their capital, but do not want to frost it for a very long period of time in uncertain times.
The undisputed leader proved to be Annual bonds (OTS) for which Poles allocated PLN 3.284 billionwhich gave them a 40% share of all sales. Three-year (TOS) papers with sales of PLN 3,086 billion (38% share) were little interested. another instruments, according to Analysis.pl portal, found much little buyers. The four-year bonds were sold for PLN 675.4 million, ten-year bonds for PLN 465.3 million, and two-year bonds for PLN 426.9 million. About PLN 92 million were allocated to household bonds dedicated to the beneficiaries of household 800+.
It is besides worth noting that one-fifth of the bond was bought by swap. This means that customers who ended the erstwhile papers immediately reinvested funds in fresh ones utilizing additional bonuses. full value of the swap exceeded PLN 1.6 billion, which shows large assurance in this form of saving.
What does that mean for your savings? Checking interest rate
The massive interest in bonds in July was driven primarily by an attractive interest rate which clearly exceeded what bank deposits offered. If you are wondering if this is inactive a good time to invest, it is worth looking at the stakes that attracted the crowds. As Infor portal reminds, the July offer was as follows:
- Annual bonds (OTS): 5.25% Annual
- Two-year bonds (DOS): 5.40% Annual
- Three-year bonds (TOS): 5.65% Annual
- Four-year bonds (COI): 6.00% first year (later indexed by inflation)
- Ten-year bonds (EDOs): 6.25% first year (later indexed by inflation)
Comparing these values with the offer of banks, where deposit interest seldom exceeds 4%, the decision for many savers was simple. The State Treasury warrant eliminates the hazard of capital loss, making bonds 1 of the safest forms of money placement. However, remember that interest has been reduced since August following a May interest rate simplification by NBP. This means that those who have waited on the decision must anticipate a lower possible profit in the following months.
How do you start investing in bonds? Step by step guide
If you have never bought government bonds before and evidence results have encouraged you to act, the process is simpler than it might seem. The Ministry of Finance has ensured that these instruments are available to everyone. According to the website Bondskarbowe.pl, the paper can be purchased in respective ways: via the net via kontaktskarbowe.pl, in branches of PKO Bank Polski or in the network of sales outlets of Bank Pekao. Importantly, the entry threshold is very low – minimum acquisition amount is only PLN 100which corresponds to the value of 1 bond.
A peculiarly attractive option to pay attention to is switching. According to the Investor region portal, people with bonds whose maturity is approaching can convert them to fresh ones with a discount. This means that the fresh 100 PLN bond is purchased at a lower price, e.g. 99,90 PLN. This is an additional tiny profit, which translates into a higher rate of return on a scale of greater savings. For start-up investors, a good strategy can be to start with yearly bonds and then, as you gain experience, gradual transition to long-term papers that typically offer higher interest rates and protection against inflation.
SEO tags: Treasury bonds, 2025 bond interest, how to buy bonds, invest money, save, Ministry of Finance, NBP interest rates
Alternative titles:
1. The Ministry of Finance cuts profits. Poles have already bought bonds for PLN 8.2 billion
2. Do you have any savings? This may be the last bell on specified interest-bearing bonds
3. Government confirms evidence sales. Experts explain what this means for Poles
Continued here:
Record sale of bonds for PLN 8.2 billion. Is this your last chance to make that kind of profit?
