Is ICBC Credit Suisse Li Shuang Bond A Suitable for Fixed Investment?
It's not appropriate to put the answer first. The principle of the Fund's fixed investment is to spread market risks and earn average expected market returns through regular fixed investment. The more the fixed investment target falls, the more fund shares investors buy, and when the market outlook rises, the greater the fund profit.
In other words, funds with greater volatility, such as index funds, stock funds and partial stock funds, are more suitable for fixed investment. There is no need for a bond fund like ICBC Credit Suisse Li Shuang Bond A to make a fixed investment, because the fluctuation of the fund is small and the fixed investment effect is not great.
For bond funds, the risk is not as high as that of stock funds, the expected return is relatively stable, and the fluctuation is not as big as that of stocks. Judging from the performance trend, Li Shuang Bond A of ICBC Credit Suisse Bank is a steady and upward diagonal line, with occasional correction in a short time, but the fluctuation is not big.
But the trend of equity funds is different. Take the Shanghai and Shenzhen 300 Index as an example. In the past three years, the index rose as high as 50%, then fell back to 0%, and now it has risen by 30% in two months, while the increase of ICBC Credit Suisse Bank Li Shuang Bond A Fund in three years did not exceed 20%, and the maximum withdrawal did not exceed 5%.
Generally speaking, ICBC Credit Suisse Li Shuang Bond A is a bond fund with good performance, and its expected income is relatively stable, which is suitable for one-time investment, but the fixed investment effect is poor, so Alipay users need to consider it carefully.