Interest rate bonds will fall.
Therefore, this year is not suitable for buying bond funds.
It is suggested to focus on the allocation of hybrid funds with strong stock picking ability, such as Huaxia Growth.
For risk-averse investors, you can also consider buying a small amount of stock-enhanced bond funds to make up for the decline of bonds with the proceeds of stocks.
For example, Huaxia Hope
It is 80% bond +20% stock, with good historical performance and excellent fund investment and research level and fund manager management level.
However, the expected return cannot be too high. After all, bond funds have limited income, and bond funds are not guaranteed.
If it is a long-term investment, you can invest in Huaxia Hope A with front-end charges.
If it is a short-term investment, such as less than one year, you can invest in Huaxia Hope C, with zero rate but additional sales fee every year.
The fund has no back-end charging model for the time being.
PS: When will it be suitable?
The following two situations are appropriate.
1, extremely risk-averse, especially the elderly.
2. The stock market bear market has entered the interest rate reduction cycle.