Although bond funds are very stable, it does not mean that bond funds have no risks, and a small number of bond funds have the risk of stepping on mines. Is bond fund still worth investing in?
Of course, bond funds can be bought, just depending on how to buy them.
First, choose funds that mainly invest in interest rate bonds.
We can't stop the bond stampede, but we can avoid it as much as possible.
Credit debt is the main default event, which is mainly guaranteed by corporate credit. You can choose interest rate bonds guaranteed by the state and the government, and choose bond funds that mainly invest in interest rate bonds, and the safety factor will be much higher.
Second, choose a team with strong investment and research ability.
The investment and research ability of fund companies is also a very important assessment standard. Choose a fund company with strong fixed-income investment ability, and face the inevitable market risks, and have a better ability to control retreat. You can compare the historical average performance of fund companies' bond funds with the market, understand the honor of fund companies or research teams in fixed-income investment, and understand the fixed-income investment and research strength of fund companies.
At the same time, choose a company with a strong credit research team, because such companies generally have a strict bond analysis and evaluation system and a sound credit research framework.
Third, choose bond funds with high credit rating as the main investment.
An excellent bond fund is inseparable from the in-depth research support provided by the internal credit evaluation team of the fund company and industry researchers.
Usually, when the fund manager initiates the investment demand of bond funds, the credit evaluation team will make a preliminary evaluation, and then after the review of the research director and investment director, the investment proposal will be finally determined, and the bonds will be selected through a complete process.
If you have a bond fund, it is recommended to pay attention to the position regularly. If there are risk warning bonds, it is best to redeem them in advance.
Fourth, diversify investment.
Different from stock funds, the income difference of debt-based funds will not be great, so you can fully diversify your investment, without worrying about the income from diversification being wiped out, diversify your investment into multiple funds, reduce the probability of encountering heavy funds, and try to choose funds with large scale and scattered positions.
Fifth, try to avoid stepping on Thunder's fund.
Summarizing the late net value trend of bond funds that trample on thunder, we will find that the net value of these funds has not improved greatly after the decline, so it is best to reject such funds that trample on thunder.