In fund investment, fixed income+fund is a hot word in recent years. In essence, fixed income+fund refers to the fund that adopts the strategy of fixed income+fund. It can be said that it is suitable for any market and is loved by more and more investors. There are more and more fixed income+fund products, and there is no clear definition of fixed income+fund products. Then how should we judge one?

Generally speaking, fixed income+products are funds that invest a certain proportion of equity assets in addition to bond assets, and the "fixed income" part represents bond investment, which generally accounts for no less than 80%. The "+"part represents the investment in stocks, convertible bonds or hedging instruments, which generally accounts for no more than 20%. We can easily judge the investment portfolio of the fund.

From the risk point of view, the risk-return characteristics of fixed income+products are higher than those of pure debt products, and the withdrawal and fluctuation will be greater. Compared with partial stock funds, fixed income+products are relatively stable, with little withdrawal and fluctuation. At the same time, the proportion of equity investment in fixed income+products is different, so the risks of different fixed income+products are also different, which need to be considered in combination with the risk-adjusted income.

Generally speaking, an excellent fixed income plus fund has three characteristics at the same time.

First, the income of fund products is more in line with expectations.

Second, there are excellent fund managers to manage. In addition to rich experience, fund managers are better at controlling portfolio fluctuations from the perspective of asset allocation and maintaining a certain margin of safety.

Third, the fund company's investment and research team is excellent, with profound investment and research points for various assets, and can allocate multiple assets from different aspects such as trends and rhythms in the long-term dimension.