Bond fund is a kind of fund, and the investment target is mainly bonds. It is a low-risk product similar to money fund and suitable for stable investors. However, bond funds are not randomly selected. Once the choice is wrong, the overall investment income will be very different. So how to choose a bond fund?

How to choose a bond fund?

Bond funds can be screened according to the following criteria:

1. The fund has been established for 5 years, and the performance of the fund can be judged by the performance of more than 5 years;

2. The fund manager has been in business for 5 years, and he should find a fund manager who has experienced bulls and bears;

The fund manager has worked in this fund for five years. Only in this way can the performance of the fund be counted as the performance of the fund manager;

4. The fund scale is greater than 654.38+0 billion;

5. Among fund holders, institutions account for less than 90%. Many bond funds are customized by institutions, and may be redeemed one day, resulting in great fluctuations in net value, which should be avoided as much as possible.

Then we choose the fund with better performance among the selected funds. This result is good, not only the yield is high, but also the fluctuation is small. At this time, you can choose bond funds through Morningstar rating. Morningstar is a world-renowned fund rating agency, and its rating method for bond funds is scientific, considering both income and fluctuation. The higher the income, the smaller the fluctuation and the higher the rating; The lower the income, the greater the fund fluctuation and the lower the rating. The highest is 5 stars and the lowest is 1 star.

Investors can choose five-star rating for five years, five-star rating or four-star rating for three years. In other words, the long-term effect is the most important, and then look at the short-term effect.

Bond funds are divided into pure debt funds (short-term debt funds, medium-and long-term debt funds) and mixed bond funds (primary debt base and secondary debt base). Pure bond funds only buy bonds and not stocks, while mixed bond funds buy both bonds and stocks. The risks of the two are different, and investors can choose according to their own risk tolerance.