The secondary debt base is based on the pure debt fund, plus a little riskier investment with relatively higher returns. We also call it fixed income+fund.
Fixed income is a part of fixed income, which is basically a bond investment with relatively low risk and is mainly responsible for stability.
+are some high-risk but high-yield investments, such as stocks, innovations, convertible bonds, stock index futures, treasury bonds futures, etc. This part is mainly responsible for high returns.
In the current fixed income+products, it is a good direction to choose secondary bonds, that is, at least 80% of the funds should be used to buy bonds, and the remaining 20% of the funds can be considered for other investments in equity.
From the comparison between the trend chart of secondary debt in the last decade and the trend chart of Shanghai and Shenzhen 300, it can be seen that secondary debt can be called "stable happiness". When the market rises, it can keep up, and when the market falls, it rises silently. Although the increase is not big, it is simply "grateful" happiness compared with the sadness of "turning off the lights and eating noodles" in pure equity investment. This is the advantage of both offensive and defensive.
So how to choose this kind of secondary debt-based products?
Tian Tian Fund has a "conditional selection" tool. If you want to do a good job, you must sharpen your tools first. Having a good tool is the beginning of a good career.
According to different risk tolerance and different income level expectations, share the choice ideas of "stable" and "radical" secondary debt bases.
Stability type:
1, according to the current market environment, the fund size is between 200 million yuan and 20 billion yuan.
2, although it is to seek stability, but the minimum income is better than bank financing, so the annual rate of return is set to be greater than 5% for three consecutive years;
3. Under the premise of good returns in three years, there should not be too much fluctuation, so the holding experience will be better. Therefore, it is assumed that the highest extraction rate in each of the last three years is lower than 2.5%. That is to say, if you buy 1 0,000 yuan at any time, the book floating loss in one year will not exceed that in 25 yuan.
This is the choice idea that is more in line with sound financial management.
Root type:
1, the fund scale is between 200 million yuan and 20 billion yuan;
2. Aggressive demand for higher returns, and the annual rate of return for three consecutive years is set to be greater than 7%;
3, may have to bear higher risks, so set the maximum retreat in the last three years every year less than 5%. It means buying 1 000 yuan at any time, and the most likely floating loss is 50 yuan.
According to these two benchmarks, you can choose a product that suits you, but only if you invest more than 1 year unused money. In this case, we will not be affected by the short-term cyclical ups and downs of the fund. In the long run, the longer the investment time, the more stable the income.
Knowing this, do you have the impulse to choose the secondary debt base?
Share this passage from Peter Lynch with you as a warning in our investment process:
Everyone has enough intelligence to make money in the stock market, but not everyone has enough endurance. If you want to sell your inventory every time you have a panic, you'd better not touch stocks or buy stock funds.