In fact, bond funds can be bought at any time, but when investing in bond funds, you need to pay attention to the following five misunderstandings:

1. The debt base only invests in bonds.

Speaking of debt base, I believe the first thing that comes to mind is that this is a fund that invests in bonds. So some people may think that the debt base can only invest in bonds. Actually, this is a misunderstanding.

Because there are many types of debt bases, the investment scope of different types of debt bases is also different. For example, the secondary debt base can not only invest in bonds, but also participate in the subscription of new shares and the trading of stocks in the secondary market, so "the debt base can only invest in bonds" is problematic. ?

2. The debt base is a stable profit.

In fact, as long as it is a wealth management product, it is not absolutely safe, and the debt base is no exception.

Although many people have heard of bonds, what they think is "it's only natural to pay back debts", but I wonder if you have ever thought that if the company that issued bonds went bankrupt because of poor management, then at this time, investors in bonds may not even get the principal back.

Also, some debt bases can invest in stocks. What are the risks of investing in stocks? I believe everyone is very clear about this, needless to say. Therefore, the debt base is by no means a steady profit.

3. The debt base is stable

Although overall, the performance of debt-based funds is more stable than that of partial stock funds, not all debt-based funds are stable.

Because in the process of investment, some debt bases may only increase by 2% this month due to the radical operation of fund managers (adding leverage), but the interest brought by adding leverage by 4% needs to be paid, so the final income is -2%.

Also, for the active debt base, if the invested bonds or stock positions are hit, it is likely to have a significant impact on the fund's net value on the day, and even fall by 40% to 50% in serious cases.

4. Debt-based income is not as good as stock income.

Although in the long run, the income of partial stock funds will be higher than that of debt base, it is not always that the income of partial stock funds will be higher than that of debt base.

For example, in 2008, in the context of the global financial crisis, both US stocks and A shares fell miserably, but at this time, the bond market came out of a bull market.

Taking the corporate bond index (39948 1) as an example, it rose from 1 12.35 at the beginning of the year to 13 1 at the end of the year, with an increase of 16.5%. Because the compilation rules of corporate bond index do not consider bond interest, if bond interest is included, then the increase of the whole bond market should be above 20%.

5. Fixed investment debt base

With the increasing popularity of fixed investment in funds, many citizens have accepted this financial management method, so they began to invest in various funds, such as debt-based fixed investment.

Although it cannot be said that the practice of "debt-based fixed investment" is wrong, the effect of fixed investment may not be as good as one-time investment from the point of view that the fluctuation of debt base itself is small and the fluctuation income earned by fixed investment is limited.