The sudden sharp drop in the debt base these days has puzzled many people's mentality. What they want is low interest rate and low risk, at least no matter how low the income is, they will not lose money. However, debt base is also a risky financial management. These days, the fluctuation is relatively large, and there has been a sharp drop or even a loss of principal. At this time, do you choose to redeem or continue to insist?

Why did the debt base suddenly fall sharply?

First of all, the central bank and the China Banking Regulatory Commission issued a landmark real estate policy;

Second, the market's concerns about funds have intensified;

Third, the recovery transaction brought about by the adjustment of epidemic prevention and control policies.

What fund is the debt base?

Debt base refers to bond funds, which refer to funds that invest fund assets in government bonds, medium and long-term bonds, corporate bonds and financial bonds. To put it simply: a fund is a collective asset management plan. The fund manager will invest all the funds that investors buy from bond funds in the bond market. When the bonds invested are profitable, investors who buy funds will follow suit to make money.

The risk of bond funds is relatively small, but there may also be the possibility of principal loss. Bond funds have risks, which mainly come from two aspects: interest rate risk and credit risk.

Interest rate risk: If the national monetary policy is tightened, the interest rate of deposit reserve is raised continuously, then the bond market will be suppressed to some extent, thus affecting the trend of bond funds.

Credit risk: that is, if the bond issuer fails to pay the interest rate of the bond, the fund will also lose money.

Therefore, when choosing bond funds, we should choose excellent fund managers to avoid management risks before losing money.

Should debt-based losses be redeemed?

I don't know whether the later economic recovery can meet expectations. If the economic recovery is good, interest rates go up and funds run to the stock market, then the debt base will continue to pull back (fall).

If the epidemic situation is serious and the economic recovery is less than expected under the deregulation policy, the money market may continue to be loose, interest rates will fall and the debt base will stop falling.

If you buy it early, you have earned the money before, so you can withdraw it now, and you will have a chance to enter again in the future.

If you buy in the middle, you will lose. You never know what will happen in the future. You feel like you've invested a lot. If you can't bear it, stop loss or lighten your position in time and wait for the next wave. I wonder how long it will take.