The impact of these three factors on short-term debt funds is as follows.

Yang Ma cuts interest rates → the market interest rate rises → the debt-based yield falls.

Yang Ma raises interest rates → the market interest rate drops → the debt-based yield rises.

Of course, the purchase of short-term debt funds should pay attention to the following issues:

First, we should pay attention to preventing risks.

Second, we should pay attention to the rate issue to avoid frequent buying and selling in the short term.

As an investor, the first thing to pay attention to is risk. If you want to buy a bond fund, you must have the psychology of taking risks, otherwise it will bring great trouble to yourself and people around you; Secondly, we must pay attention to this rate issue. Short-and medium-term bond funds have subscription and redemption fees. If it is held for less than 7 days, a handling fee of 1.5% will be charged. There is usually no redemption fee after 30 days. This handling fee is still a relatively low price, and it will still be a big sum if you buy and sell frequently. So we should avoid day trading in the short term.

Short-and medium-term debt funds are becoming more and more popular at present, because the yield is higher than that of money funds, the liquidity is better than that of bank time deposits, and the risk is lower than that of equity funds. In the process of investment, proper allocation may prevent ups and downs and play a role in stabilizing income. Any investment is risky, and you still need to accept the risk at all times.