In the past six months, the expected income of Yu 'ebao has been falling, and its attraction is no longer. On the contrary, there is a product that is in the limelight and is short-term debt-based. In the past 1 year, the expected return of such funds exceeded 6%, which broke out completely. So can short-term debt funds be bought? The following small series will help you analyze it and see if such funds are reliable.

Many people have never heard of short-term debt funds before, which is normal because it is really inconspicuous. In terms of scale, the scale of all short-term debt funds in the past is not a fraction of Yu 'ebao. However, the scale of short-term debt funds has risen rapidly. In just one or two months, the fund company has sold more than 20 billion yuan, and its scale has doubled compared with the past! From this, we can see how much investors like it now!

Characteristics of short-term debt funds

The first feature of short-term debt funds is that they only invest in bonds, not in the stock market, including new shares and convertible bonds, and belong to pure debt funds. Its second feature is to invest in short-term bonds, that is, the remaining maturity of bonds is short, generally within 1 year. The shorter the bond term, the lower the risk, so the risk of short-term bond funds is smaller than that of ordinary bond funds.

Security of short-term debt funds

Another feature of short-term debt fund investment varieties is the high credit rating of bonds, such as national debt and financial debt. The credit bonds invested by general bond funds are beyond the reach of short-term debt funds, and slightly inferior assets will not be contaminated, so the security of short-term debt funds is still quite high.

Expected rate of return of short-term debt funds

The expected rate of return of short-term debt funds is related to the bond market. When the bond market is bad, the short-term debt base may still lose money, but the loss is not big and the time is not long.

Take the short-term debt fund of the wealth management platform as an example. The highest expected return is Harvest's ultra-short debt, with an expected return of 6.26% in the latest year. The expected return of other short-term debt funds in recent years 1 year is above 4.9%, almost twice that of Yu 'ebao, and the performance is quite good.

Based on the analysis of the above three aspects, the expected return of short-term debt base is high and the security is not low. Now that the bond market is improving, the money put in the goods-based baby can be invested in short-term debt funds to improve the expected income.