What does bond fund mean?
Bond funds are funds that specialize in investing in bonds. It will combine investors' money with bonds, never diversify investment risks, and bring stable expected returns to investors.
What are the characteristics of bond funds?
1, low risk: because it is a portfolio investment of bonds, the risk of directly investing in a bond is reduced.
2. Special person for financial management: Bond funds will have aligned fund managers for special management, which requires people with very rich investment experience to be competent, and ordinary people do not have this ability.
3. High liquidity: Bond funds also support redemption at any time, ensuring the liquidity of assets.
4. Stable expected return: The investment strategies of bond funds are mostly based on stability, so the expected return is relatively stable and there are few big fluctuations.
5. Low purchase threshold: the purchase threshold of bond funds is very low, and most people can participate.
Is the debt fund guaranteed?
More than 80% of the assets of debt funds are invested in bonds, and the domestic investment targets are mainly government bonds, financial bonds and corporate bonds. Thus, it can be seen that if there is a risk of default, the bond fund may lose money. Therefore, bond funds are guaranteed.
Is debt _ fund risky?
Generally speaking, bond funds are relatively stable investment varieties, but the risks are relatively large in a certain period of time. For example, due to the poor performance of an enterprise, corporate bonds default, so the positive risk of bonds invested in the company's bonds is very high.
Compared with the above situation, bond funds investing in government bonds and financial bonds are safer. Because the government, banks and financial institutions are unlikely to default, please pay attention to the type of bonds you invest in when choosing bond funds.
Generally speaking, the positive risk of bonds is higher than that of money funds, but the expected rate of return is better than that of money funds. When investing, we must pay attention to the types of investment bonds of bond funds, and try our best to focus on national bonds and financial bonds, so as to obtain the expected returns more steadily.