With more and more such problems, the supervision requires all sales organizations not to promise to "guarantee the principal and income" when selling wealth management products, and we will gradually see various wealth management products default. This is actually more beneficial to the bank. Anyway, I made 2% at a time, and now I don't have to bear the risk.

In this case, this single-item debt product looks more dangerous. So if we invest in multiple projects, can we spread the risks? In fact, instead of slowly studying each subject behind bank wealth management products, we might as well buy bond funds. Because debt funds are such an investment method, we buy bond funds, and the fund manager takes the money to buy bonds of different companies.

The written definition of bond funds is that funds with bonds as the main investment objects are called bond funds. According to its investment direction, it can be further divided into pure debt funds, first-class bond funds and second-class bond funds, in which the first-class debt base and second-class debt base can be collectively called partial bond funds, and their risks are slightly higher than those of monetary funds, but lower than those of equity funds.

Of course, bond funds can't completely avoid the problem that borrowers default and can't pay. That is, what we usually call credit risk. If bond funds step on this kind of thunder, everyone will still lose more or less. Moreover, because bonds often have to repay the principal and interest at the end to finally determine whether the borrower will default, some bonds will suddenly plummet at the end, giving people a feeling of "slowly rising, but falling a lot".

besides credit risk, bond funds also face interest rate risk.

the trend of bond market is negatively correlated with the trend of interest rate, that is, interest rate goes up, bond market goes down, interest rate goes down, and bond market goes up; Therefore, when investors predict that the market interest rate will fall, they should buy bonds in time, because the price of bonds will inevitably rise as interest rates fall; On the contrary, when the interest rate is predicted to rise, you should sell the bonds you hold and buy them back after the price falls.

based on the above, we have compiled a table for you, which will make it easier to judge the trend of bond funds in the future: