"fixed income+"products
"Fixed income plus" is actually an investment strategy, which consists of two parts, including "fixed income" and "plus" investment strategy. The "fixed income" part accounts for 70%, which is the part of fixed income. To ensure stable income, we mainly invest in bonds and other investment products with stable income and low risk coefficient, and the "plus" part accounts for 30%, which is mainly used to improve income. Adopt the combination of "fixed income plus" to obtain income on the premise of balancing risks. Because of its characteristics of giving consideration to both income and risk, it is liked by many institutions and investors, and there are more and more "fixed income plus" products on the market.
Characteristics and advantages of "fixed income+"products
"Fixed income+"products invest most of their assets in fixed income, while auxiliary equity assets tend to be mixed products with partial debt. It has some characteristics. First, short-term performance ranking is not dominant, and the quality of products cannot be judged by performance ranking. The products with top short-term performance are all products with aggressive investment or concentrated investment. Second, the rate of return is generally higher than that of short-term wealth management and monetary products. Third, the withdrawal of products is generally controlled within 5%, with little fluctuation. Fourth, stock positions are relatively stable, and the bottom positions are mostly stable and high-quality stocks. Based on the above characteristics, it is not difficult to see that the advantages of "fixed income+"products are also obvious, and their ability to control cash withdrawal is relatively strong, that is, the fluctuation is small, which can bring investors a better investment experience. Products take into account the stock and debt market, and it is rare for the stock market and the bond market to rise and fall together. They can balance each other and achieve the purpose of diversifying investment.
The combination of "fixed income+"fund products makes up for the shortage of stock funds and pure debt funds and plays a good balance role.
Of course, "fixed income+"fund products do not mean that there is no risk and there is the possibility of loss. Although the allocation of equity assets has played a role in increasing returns, it has also amplified risks, and there is also the possibility of losses when the bond market is greatly adjusted.
Applicable people
What kind of investors are "fixed income+"fund products suitable for? Because of the characteristics of "fixed income+"fund products, it is more suitable for the following three types of people: First, it hates high risks, but hopes to get some income. Second, pay attention to the benefits of long-term investment and don't care much about short-term performance. Third, investors who pay attention to asset allocation.