How to choose bond fund 1? Choose a brand
Stock funds, bond funds, money funds, etc. , which refers to the types of funds; Southern fund, Huaxia Fund and Tian Hong Fund. Are these funds? Management? Is that the company? Brand? Yes Tian Hong Fund is the manager of Yu 'ebao and the upstart in the fund industry. But I prefer the old brand, which is hard core. South? So, needless to say, I chose southern fund this time. Of course, brands have their own advantages, my friend. You can try the new and use the old, just follow the fate. If you have to refer to the basis, you can look at the annual ranking of fund companies and choose the top ten.
2. Eliminate inventory.
There are many kinds of bond funds? According to the speculation, it is divided into pure debt funds and partial debt funds. The latter often stipulates that 20% or 30% of the funds are used for stock trading and can share the stock market dividend; Of course, you can also share the stock market? Green power? . Friends who are worried about stock market risks and don't want to touch stocks, as shown below (the picture shows a screenshot of Southern Baoyuan), can be ignored.
Of course, everyone's situation is different: conservative and demanding but not very knowledgeable, you may wish to allocate partial debt funds and bond stocks for a certain proportion of investment; Knowledgeable, you can adjust the allocation ratio of pure debt funds and theme index funds; If you don't want to worry and fully believe in the ability of the fund management team, you can allocate mixed funds, stocks or bonds as appropriate.
In addition, it should be noted that pure debt funds that only participate in new shares still have extra points, and the author has also put them on the candidate list.
Distinguish between a and C.
Many specific fund names are often followed by? ABC？ , what does this mean? Different types of funds have different ABC meanings. A of graded funds often represents priority and low-risk fixed income; B stands for inferior level, which means leverage, high risk and high return. The ABC of bond funds mostly represents the different charging methods of fund companies: A charges first (one-time) and C charges according to the holding time. Generally speaking, held within two years, Class C is cheap; If you hold it for more than two years, Class A is cheap. The author thinks that China has entered the interest rate cut channel, and it is not a year or two, so it intends to hold it for more than two years. So class a stays and class c passes.
4. Fund comparison
At this point, there are only eleven alternative funds left. Let's take another look. Southern duality involves treasury bond futures. Although it only accounts for 5% of the investment, I still don't want to try and don't want it. The last ten, with Tian Tian Fund Network? Fund comparison? Functional comparison, at a glance.
Of course. Past performance does not predict future performance! ? However, if you didn't do well in the past, how can you make people believe that you can come from behind?
Get what you need.
If it is open regularly, it can only be redeemed on the agreed opening day. This liquidity is not good, and it can't be pointed out in an emergency. However, it is also beneficial to open regularly, that is, you don't have to worry too much about redemption pressure, and funds can be used more fully.
The remaining six, two are exponential, that is to say, their investment imitates a public index, and human factors can be minimized, and there are no concerns such as rat warehouses and interest transfer; The latter four are the most common pure debt funds, which are actively managed, that is, pure bond speculation. If you speculate, you may naturally earn more or lose more, depending on the level of the management team. What do you think of the level? Still can only look at historical performance.