The so-called fixed income products generally refer to products with safe principal and certain income. Therefore, in the general impression, the withdrawal of fixed-income wealth management products will be less. However, some media reported recently that the net product value of many "fixed income+"funds has dropped sharply this year. Among them, some secondary debt-based and partial debt-based hybrid funds have adjusted back more than 10% this year, and some have adjusted back to 15%. This means that if users buy from a high point, they will now lose 15%.
Such a high retracement makes it difficult to connect with the sound financial management promoted by "fixed income+"products. After falling so much, how dare you say it's sound? So it is normal for everyone to have opinions. After all, the biggest retracement of the Shanghai and Shenzhen 300 Index this year is only 14.438+0%.
Why is the performance of "fixed income+"products inconsistent with everyone's expectations? The main reason is that the definition and publicity of "fixed income plus" in the market is not clear.
Unlike fund types, regulators have no clear definition of "fixed income+". Generally speaking, products or strategies that mainly invest in sound bond assets and a small amount in risky assets such as stocks, fixed income, innovation and convertible bonds are called "fixed income+".