Low-and medium-risk bonds can be considered for purchase, because the risk is relatively low and the income is relatively stable. The minimum investment amount of bond funds is generally 1 1,000 yuan. The names of these products mostly include the words "30 days", "90 days", "month", "week" and "quarter". They are regular wealth management products, and the highest rate of return does not exceed 5,2%, which belongs to medium and low risks. Bonds are a way for governments, enterprises and financial institutions to issue direct financing to the society, promising investors to pay certain interest and repay the principal within a specified time. Bond is essentially a creditor-debtor relationship, which is divided into national debt, urban investment debt and industrial debt.

1, the national debt is issued by the state, which is the safest and of course the lowest yield, but you can also consider buying it, because there is basically no loss. Urban investment bonds are issued by local government financing platforms, and the funds are mainly used for local infrastructure construction, also known as "quasi-municipal bonds", but they are essentially corporate bonds. Because everyone has a government guarantee by default, the yield is lower than that of industrial bonds. However, in the context of breaking the rigid payment, legally speaking, local governments have no obligation to pay their debts. Therefore, urban investment bonds should be guaranteed by local governments. Don't believe that city investment bonds without clear guarantees will be wiped out once something happens.

2, industrial bonds are corporate bonds, because the objects of issuing bonds are different, and the risks and benefits are also very different. Its income is the highest among bond funds, but the risk is also the highest, but compared with stock funds, the risk is still low, and you can also consider buying it.

3. Among Alipay's wealth management products, both bond funds and money funds belong to low-risk funds, and the most representative money fund is Yu 'ebao. Bond funds are low-risk funds, and their returns will not be very high, but they are still a little higher than Yu 'ebao. Therefore, Alipay bonds can actually be bought, but the income will be lower.

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1, China stock market is a typical bear market. Even if your stock investment ability is very strong, there is nothing you can do if the bear market does not rise. In a bear market, the best investment product is bonds, which can make up for the losses of the stock market downturn, so the allocation of stocks and bonds is a good asset portfolio.

2. Except for bank deposits, other wealth management products including Yu 'ebao are not 100% safe, only the risks are high and low. Relatively speaking, Alipay is a very cautious platform.