Generally, the debt base fluctuates little, but recently the debt base fluctuates too much, causing many people to want to redeem and flee. If there is no handling fee, you can run away when it comes to redemption. After all, green looks scary, and it's not too late to buy it when it returns to normal.

Do you dare to hold the debt base plummet?

1. Whether investors should continue to hold bonds according to the sharp decline depends mainly on their own situation. If investors hold it for a long time, they can continue to hold it. After a period of adjustment, short-term debt tends to continue to rise and the long-term trend is bullish.

2. When the bond market fluctuates greatly, users can extract safer assets first. Bond buyers seek stable returns, and investors need to be vigilant when bond prices soar or plummet.

If investors continue to use funds, they can also take out the money invested in the debt base first. Or cut off some positions, it is best to invest in the state of being able to enter and retreat.

Will the debt base be wiped out?

No, the issuer of a single bond goes bankrupt, which is likely to lose all the principal. However, bond funds invest in multiple bonds at the same time, and bond funds generally avoid issuers with large financial connections when choosing the target, so the risk is dispersed. Unless you encounter very, very extreme circumstances, you won't lose all your principal.

How to calculate the interest of bond funds?

The interest of bond funds is not fixed, nor is it calculated according to the coupon interest. The calculation method of bond fund income is: fund income = (net value on the day of sale-cost price) × fund share-redemption fee. Bond funds are also net worth funds, and the interest rate of net worth funds is floating, so bond funds do not calculate interest, but calculate the expected rate of return, but the expected rate of return does not represent the actual rate of return. The interest received after redemption is calculated according to the above formula.

For example, the unit net value of a bond fund is 1, the total subscription amount at that time is 10000 yuan, and the unit net value after maturity is 1.5 yuan, so if it is fully redeemed after maturity, it will be (1.5-1) */kloc-0.

Bond funds mainly invest in bonds, and the fund income is determined by the bonds invested. Generally, fund managers will buy bonds with fixed interest rates and some trading bonds, so the income is floating.