Is the debt base suitable for fixed investment or long-term holding?
Debt base is suitable for long-term investment, not for fixed investment. In the investment process, products with fluctuating net value are more suitable for fixed investment. However, the net value of bond funds fluctuates very little every day, and both pure bond funds and high-yield bond funds basically show a slow upward trend.
From the income point of view: the fixed investment of the fund is more suitable for relatively volatile investment varieties, while the debt base is basically some pure debt funds with less risk, and its net value fluctuates little. In addition, the income of fixed investment bond funds is lower than that of one-time purchase bond funds. If investors want to get higher returns, it is better to invest in index funds.
From the risk point of view: the fixed investment of the fund is mainly to spread market risks and smooth prices, and will not buy at a high point at one time. Income-oriented investors can buy bond funds at one time and get income as soon as possible.
From the perspective of capital, bond funds, as a stable investment variety, have little fluctuation, and the effect of reducing uncertainty through fixed investment is limited. If the capital stock is limited, it is more suitable for one-time investment, and there is no need to divide it into several fixed investments.
It should not be overlooked that bond funds are more suitable for buying in batches when the market plummets, and it is recommended to buy in one lump sum when the market is stable. When the bond market is relatively good, if you can get more income by buying at one time, then if you are in a downward state, you can choose the way of fixed investment of the fund to spread risks and reduce costs.
Generally speaking, debt base is suitable for long-term holding, but in the case of bad environment, you can also choose to invest by fixed investment. In a good environment, if there is a lot of money, the effect of fixed investment may not be as good as one-time investment.