The risk of funds is smaller than that of stocks, and different types of funds have different risks. In fact, the risk of the fund can be seen from the name. For example, some funds have short-term bonds in their names, which refer to funds that invest in short-term and ultra-short-term bonds with high liquidity.

Is the short-term debt base losing money?

Maybe, because short-term debt funds are actually bond funds, and they are also not guaranteed, but the security of short-term debt funds is very high, because short-term debt funds are pure debt funds in bond funds and do not participate in equity market investments such as stocks. This makes the short-term debt base far away from the ups and downs of the stock market, and assumes the heavy responsibility of managing idle funds in the expected downward stage of the stock market.

Under the premise of controllable risks, short-term debt funds seek to use the leverage advantage of bond funds to improve their returns. Therefore, short-term debt funds can be used for cash management or short-term financial management, and can be used as short-term living money financial management tools when the market outlook is not optimistic or holidays come.

What is the threshold for buying short-term debt funds?

The initial subscription amount of short-term debt funds is generally 10 yuan, and the subscription threshold is low. If you buy before three o'clock on the trading day and confirm that the transaction is successful, you can calculate the investment income on the next trading day.

Part of the class C share of short-term debt, 0 subscription fee and 0 redemption fee for 7 days, is suitable as a short-term monetary income enhancement strategy. When investors need money, as long as they submit the redemption application at the trading time, the redemption money on T+2 day can be received, and the liquidity is good.

Does the short-term debt fund have any income over the weekend?

Because the bond market is closed on weekends/holidays, short-term debt funds will not update their net value and income on weekends/holidays, but the bonds they invest will still generate interest, which will be reflected in the fund's income on the first trading day after holidays. Therefore, the net growth rate of pure debt funds on Monday or the first trading day after the holiday will be higher than usual.

Finally, I would like to remind you that no matter what kind of fund, it is risky, and the money fund is no exception. The risk of short-term debt funds is greater than that of money funds, but less than other types of funds.