By concentrating the funds of many investors, we can make portfolio investment in bonds and seek more stable returns. However, any investment in wealth management products is risky. What are the risks of buying a bond fund? Let's take a look at it together, hoping to bring some reference.
Did the bond fund lose money?
Buying bond funds may lose money.
1. Bond funds are usually managed by fund managers. When investors buy a bond fund, they actually buy a part of the fund. When the value of bonds in the fund rises, the value of investors' shares will also rise, and vice versa. So if the fund manager's management ability is not good, it may lead to losses.
2. Bond funds mainly invest in bonds, so they also have the risk nature of bonds. If the bonds invested by bond funds default, the net value of the fund will drop sharply, which is likely to exceed that of partial stock funds, which will shrink the fund's income and even lose all the accumulated income before.
3. If there is serious inflation in the market, the state will raise the interest rate of bank deposits and loans, so that residents will give up other special investment projects to invest in bonds, and financial institutions will turn bonds into ready-made funds and invest in other markets, which will lead to a decline in bond prices and may also cause losses.
What are the risks of buying bond funds?
1, credit risk
Generally, it refers to the risk that the bond issuer cannot pay interest and repay the principal on time. If the bond issuer fails to pay or repay the principal on time, the bond will face high credit risk and demand higher income compensation. Some institutions will also rate the credit of bonds. If the credit rating of a bond falls, its price will fall and its net asset value will also fall.
2. Interest rate risk
Bond prices and interest rates change in opposite directions, that is, interest rates rise, bond prices fall, and vice versa. The longer the maturity of general bonds, the greater the impact of market interest rates.
3. Capital flow risk
If the central bank's monetary policy tightens and capital flows out, there will be temporary tension in Shi Hang, which may lead to the irreconvertibility of bonds and bring certain risks.
Seize the stocks with continuous daily limit.
In the mid-line stock picking skills, if you want to make a medium-long line layout, you must look at the current market situation. You can refer to the annual line (250 antennas) and semi-annual line (120 antennas) of the market index. If the trend is above the annual line and the semi-annual line, it means that it is not a bear market at present. In the face of national policies, investors should not be lucky enough to grab the rebound or choose to buy people, but should wait and see to clear their positions. If the stock market rises sharply, it is necessary to follow the trend and hold shares in the medium term.
Mid-line stock selection should be comprehensively analyzed from six aspects: K-line shape, technical index, relative price, company fundamentals, market trend and stock theme. We should give up some stocks with high P/E ratio and prices much higher than their intrinsic values.
As for how to seize the stocks with continuous daily limit? The initial share price rose by more than 6%; Must be "heavy"; The greater the increase, the stronger the trend and the more favorable it is. Among the key conditions of daily limit, the opening price is 2-3 points higher and the opening price is not more than 2 points lower. The decline process cannot be heavy, and the heavy volume is suspected of shipping; The closing price is near yesterday's closing price, so it is best not to form a gap.