First of all, investors should pay attention to the timing of buying bond funds. Bond funds mainly invest in bonds, so the choice of bond funds depends largely on the analysis of the risks and benefits of the bond market. Specifically, if the economy is on the rise and the interest rate tends to rise, the investment risk in the bond market will increase, especially when the bond interest rate is at a historical low. On the other hand, if the economy goes down and interest rates tend to fall, some deposits will flow into the bond market and bond prices will rise. At this time, bond investment can get higher returns, especially when the bond yield is at an all-time high.
In short, the trend of interest rates has the greatest impact on the bond market, and it is not appropriate to buy bond funds when interest rates rise or are expected to rise. Therefore, investors should choose partial debt funds and pure debt funds according to their own risk tolerance. Pure debt funds invest all their funds in bonds except the subscription of new shares, and the subscription of new shares is generally less risky, so the risk of pure debt funds is concentrated in the bond market.
Partial debt funds mainly invest in bonds and also participate in stock investment, so the risk comes from both the bond market and the stock market. Generally speaking, the risk of pure debt funds is relatively smaller than that of partial debt funds, and of course the corresponding income expectation is also smaller. Investors should pay special attention to the trend of the stock market when choosing partial debt funds. If the stock market is strong, choosing a partial debt fund may be a better choice.