Among all funds, the investment risk of bond funds is greater than that of money funds, but less than that of index funds, hybrid funds and equity funds, and the expected returns also show the same characteristics.
In bond funds, on the whole, the risks and benefits of pure bond funds are less than those of primary and secondary debt bases, interest rate bond funds are less than those of credit bond funds, and bond index funds are less than those of active bond funds.
Different bond funds also have different liquidity adaptability. If it is short-term funds that are not used within one month, it is more suitable for short-term bonds with high liquidity. If it is short-term funds that are not used within three months, it is more suitable for pure bond funds and first-class bond funds. If it is a medium-and long-term fund that is not used within half a year, it can be used to invest in secondary bond funds.
How do we identify different types of funds?
First of all, from the fund names, many fund names obviously contain the words "credit bonds" and "pure bonds", and bond index funds contain the words "bond index funds", which is easy to identify.
If it is a pure debt fund, you can learn more about the maturity of the bond. In general, the remaining 1 year is a short-term debt fund, and those with a term exceeding 1 year are classified as medium-and long-term bonds.
Then you can check the investment direction and operation mode of the fund through the regular report of the fund or the investment situation of the fund in the fund contract to see if there is a closed period. Will you only invest in bonds or a small number of stocks? What kind of bonds do you invest in? To judge the specific type of fund.
What¡¯s the connection with stocks?