How high is the short-term debt fund?
According to the statistics of third-party platforms, the average yield of short-term debt funds this year is about 3.89%, which is equivalent to the income level of one-month regular wealth management products.
Xingwen Quantai Bond is a short-term bond fund issued by Xingye Global Fund Company, which is recommended by Alipay Fund. At present, the fund's net value has increased by 5.34% in the past year, far exceeding the average of 3.26% of its kind. The increase of this fund is still relatively large, and the income is relatively high in short-term wealth management products. In addition, there is Pengyang Cai Li Bond A, which is also a short-term debt base that Alipay can buy. At present, the fund's net value has increased by 4.92% in the past year, which is slightly lower than that of Xingwen Quantai Bond, but it also shows outstanding performance in short-term wealth management products.
Short-term debt funds belong to bond funds, and 80% of fund assets should be invested in bonds. The longer the bond term, the higher the income and the greater the risk. Therefore, from the perspective of investment scope, the risk of short-term debt fund is slightly higher than that of money fund, which belongs to medium and low risk.
Generally speaking, the risk of short-term debt funds will be higher than that of some wealth management products with capital preservation, but the relative income will be much higher. You can choose according to your own situation.