Market performance of "+"products
In the first half of this year, about 100 products were established in Public Offering of Fund (according to the statistics of share arrangement), and the funds raised exceeded 100 billion yuan, which was four times higher than the same period of last year, showing the vigorous development of its market.
"Fixed income+"products have the dual advantages of debt and stock, and they can attack and retreat. The average annual return rate of 20 15-20 19 is 6.49%, which exceeds the average annual rise and fall of the Shanghai and Shenzhen 300 and China Bond Comprehensive Wealth Index. It can really be said that they are moderately fat and thin in the current market.
"Fixed income+"fund is not a special category, which mainly corresponds to partial debt mixed fund. It adopts a mixed asset allocation method of bonds and stocks, and excellent fund managers guard bond assets and stocks for investors to diversify investments and reduce portfolio risks. In the past 10 years, it has indeed crossed the bulls and bears several times and has been verified by the market.
From the historical data, even during the stock market crashes of 20 12 and 20 15, the stock fund index also fell to a negative value, and the debt-biased hybrid fund ("+") also stepped out of the independent market that rose steadily.
How to choose "+"products with fixed income
Since "+"products have so many advantages, how should we choose a high-quality "+"product?
Mainly grasp four directions.
First, the comprehensive strength of fund companies is strong, and stock and bond investment funds are relatively rich.
If fund companies want to manage "+"products well, they must first have a strong investment and research team.
At the same time, it also needs excellent risk management ability and perfect credit rating research system. We can comprehensively understand and evaluate a fund company through its rating, fund company size, historical award-winning record, investment and research team members and so on.
Second, the fund manager is competent.
Most fixed income "+"products are managed by dual fund managers.
One is responsible for the allocation and collection of large-scale assets, and the other is responsible for stock positions and win-win cooperation.
Therefore, we need to have a detailed understanding of the two fund managers at the same time, understand the ability circle of fund managers, what they are good at, and how the funds they have managed perform.
Third, the manager properly controls the withdrawal of similar fund products.
Risk control is a very important content of "+"products. We need to know the exit control of similar funds managed by fund managers. Whether it is better than the performance of similar funds in the market.
Fourth, I have experienced at least one complete bull and bear market experience.
Only after experiencing a complete bull and bear market can we have a more real and in-depth understanding of the market and truly fear the market, especially the funds and fund managers who have experienced a bigger bull and bear market.
I hope the above contents are helpful to you.