Investors all understand that the fund is not a capital preservation product and there is a risk of loss of principal. Therefore, it is very important to choose a good fund, not all funds can get benefits. Users should also know that bond funds are not risk-free, mainly including credit risk and interest rate risk.

How to choose a bond fund?

Investors with low risk tolerance can choose pure bond funds, while investors with high risk tolerance can choose hybrid bond funds. If it is a short-term investment, you should choose a class C debt base; If it is held for a long time, you can choose a class B debt base. Compared with hybrid funds and equity funds, fund companies have a greater impact on debt-based funds. Choose a fund with a moderate fund size, generally between 500-10 billion.

If you want to choose a good bond fund, you should pay attention to three factors: interest rate, credit and fund company. Therefore, when investors choose funds, they should choose bond funds with high historical performance, which represents the performance of the fund since its establishment. The higher the historical performance, the greater the income investors can get.

Bond fund is the most important fixed income product. Bond funds are funds that mainly invest in fixed-income financial instruments such as government bonds and financial bonds, and investors can obtain fixed income within a specific period of time.

When choosing a fund, investors should be clear about their goals, whether to pursue low risk, stable income or relatively high income. Investors with relatively low risk tolerance can choose tier-one debt-based or pure debt funds; Investors who have strong risk tolerance and want to obtain relatively high returns can choose secondary bond funds and convertible bond funds.