The average annualized rate of return of pure debt funds is 4.5%-5%, and the shorter the holding time, the greater the fluctuation of yield.
The average annualized rate of return of primary debt base is 6.5%-7.3%.
The secondary debt base, with an average annualized rate of return of 6.7%-7.9%, is the most volatile and not suitable for short-term holding.
Bond funds, as the name implies, are funds that invest in bonds. The proportion of investment bonds is not less than 80%. The investment targets are mainly government bonds, financial bonds and corporate bonds. Because of the high security of the bonds invested, the security of bond funds is also high, but the principal is not guaranteed. Can I make money by buying a bond fund? First, it depends on the investment target of bond funds. Second, it depends on the time held by investors. So how long is it appropriate to hold a bond fund and how long is it the most profitable?
It is almost guaranteed to hold a bond fund for more than 2 years, so don't rush to sell it after buying it, because the positive income probability of a bond fund is proportional to the holding time. The longer you hold it, the higher the probability of positive returns, but don't hold it aimlessly. According to the rising space of the net value of the bond funds held, there are arrangements for your own fund to choose from. You can choose the holding time according to your actual situation. It is recommended to hold it for 2-5 years.
Whether bond funds are sold after two years can refer to these indicators:
1. Personal needs can only be sold because money is urgently needed.
2. The fundamentals of the fund change, and the company or fund manager of the fund changes.
3. Compared with similar funds, the performance is obviously differentiated, if there is a clear performance gap.
4. Views on the market prospect. If you really don't like the future market, choose to redeem the fund.
The risk of money fund is less than that of bond fund, and the risk of bond fund is less than that of stock fund. If you plan to buy a fund, do a risk assessment first to see how much risk you can bear, and then decide to choose a fund with the same risk type.
Although there are many kinds of bonds, they all contain some basic elements in content. These elements refer to the basic contents that must be stated in the bonds issued, and are the main agreements that clarify the rights and obligations of creditors and debtors, including:
1, par value of bonds
The face value of bonds refers to the face value of bonds, which is the principal amount that the issuer should repay to the bondholders after the maturity of bonds, and is also the calculation basis for enterprises to pay interest to bondholders on schedule. The face value of bonds is not necessarily the same as the actual issue price of bonds. If the issue price is greater than the face value, it is called premium issue; If it is lower than the face value, it is called discount; And if it is equivalent, it is called parity issue.
2. Repayment period
Bond repayment period refers to the time limit for repaying the principal of the bond stipulated by the corporate bond, that is, the time interval between the bond issuance date and the maturity date. The company should determine the repayment period of corporate bonds in combination with its own capital turnover and various factors affecting the external capital market.
3. Interest payment period
Bond interest payment period refers to the time when an enterprise pays interest after issuing bonds. It can be paid at one time, or 1 year, half a year or three months. Considering the time value of money and inflation, the interest payment period has a great influence on the actual income of bond investors. The interest of a bond that pays interest once at maturity is usually calculated at simple interest; For bonds that pay interest in installments during the year, interest shall be calculated according to compound interest.
4. coupon rate
The coupon rate of bonds refers to the ratio of bond interest to the face value of bonds, which is the calculation standard of the remuneration that the issuer promises to pay to bondholders in a certain period of time. The determination of bond coupon rate is mainly influenced by the bank interest rate, the issuer's credit status, the repayment period and interest calculation method, and the capital supply and demand in the capital market at that time.
5. Name of issuer
The name of the issuer indicates the debt subject of the bond, which provides the basis for the creditor to recover the principal and interest at maturity.