Bond fund is a kind of fund investment. The so-called bond funds are classified according to the investment targets of funds, and bond funds are fund products with bonds as the investment targets. In the case of a depressed stock market, most investors will shift their investment focus to fund investment, so will bond funds not lose money? Let's get to know each other.

Did the bond fund lose money?

Bond funds are losing money. Because bond funds mainly invest in bonds, they have the risk attributes of bonds. If the bonds invested by bond funds default, the fund's net value will drop sharply, which is likely to exceed that of partial stock funds. The accumulated income of the fund has shrunk seriously, and even the accumulated income has lost. Bond funds will also be affected by the fluctuation of bond value, because the interest rate will change during the bond holding period. If the operation is improper, it will also cause losses.

So bond funds make investors lose money. However, the main factor affecting the bond yield is inflation. If there is serious inflation in the market, the state usually raises the interest rate of bank deposits and loans. In this case, enterprises and residents will give up bond investment and turn to other investment projects, and financial institutions will put the realized bond funds into other markets, so the bond price will fall.

Any kind of investment in the investment market will have investment risks, which is only a matter of risk. From the perspective of fund investment risk, money market fund has the smallest risk, stock fund has the highest risk and bond fund has the middle risk. However, due to different investment styles and strategies, the risks of the same kind of investment funds in the market will be different.

When choosing a pure debt fund, you can use the following skills:

First of all:

Choose a large-scale pure debt fund, because the larger the scale, the more dispersed the risk, the smaller the probability of default and the lower the possibility of liquidation.

Second: Look at the past performance of the fund manager and choose the fund whose rate of return has been growing steadily.

Reasons for the loss of bond funds themselves

1. Bond funds do not fully invest in the bond market, but invest more than 80% of their fund assets in bonds, so their expected income opportunities will be higher than ordinary bonds, but because 20% of them are invested in the stock market, their risks will also increase.

2. Different bond funds have different investment scopes, which can generally be divided into pure bonds, primary bonds and secondary bonds. Generally, the risk of secondary debt will be greater, and even losses may occur.

3. Bond funds have the same investment risks as other funds. The risk and expected return of bond funds are between money funds and stock funds. When the market price fluctuates greatly, it may lose money in the short term.

Other objective reasons for the loss of bond funds

1. Credit risk of investment object and credit risk of fund manager. Bond prices are affected by market changes, which will affect the short-term price of investment bonds.

2. The fluctuation of market interest rate will lead to the price fluctuation of bond funds.

3. Sometimes the professional skills and investment management level of fund managers directly affect the profit and loss of bonds.