Is the bond fund a fixed investment or a one-time purchase?
Might as well buy it at once. In the fund market, people buy partial stock funds for fixed investment because the net value curve of such funds fluctuates greatly, and fixed investment can better play the role of smoothing fluctuations and dispersing risks. However, unlike bond funds, bonds themselves fluctuate slightly, basically rising steadily. If investors buy directly by means of fixed investment, the high probability is that the purchase cost is increasing, and the effect may not be as good as one-time investment.
When and what types of investors buy bond funds?
In the long run, the performance of bond funds is relatively stable, and most of the products belong to medium and low risks. So it is more suitable for investors with low risk tolerance.
Of course, this does not mean that investors with high risk tolerance are not suitable for buying. When allocating assets, the balanced collocation of stocks and bonds can effectively disperse market risks. Therefore, investors with high risk tolerance can also buy if there is demand.
In addition, bond funds are not capital preservation products, and self-heating will not "make a steady profit without losing money". If the company issuing bonds goes bankrupt because of poor management, bond investors will also be at risk of losing money. Therefore, investors need to make corresponding psychological expectations before buying bond funds.