Bond funds are a much better choice than bank deposits? Why is there such a statement? Judging from the investment threshold, the financial management of most banks is 10000 yuan, which is relatively high; The bond base is generally 1 yuan or 10 yuan. Therefore, if the investment amount is less than 654.38+0 million yuan, the debt base is naturally selected; More than 10,000 yuan, and then choose according to personal circumstances. As far as liquidity is concerned, bank financing is not very convenient. Some rules can be redeemed weekly, while others are fixed-term, ranging from 30 days to 180 days.

The debt base is more convenient, and the normal open debt base can be redeemed at any time, and it will arrive in 2-3 trading days; Fixed open debt base can be redeemed at a fixed time every month. Therefore, if the liquidity requirement is higher, the debt base is undoubtedly more suitable. In terms of asset allocation, 100% of bank wealth management invests in fixed-income assets, and does not participate in the stock market debt base, and pure debt funds do not participate in the stock market. The secondary bond fund can allocate no more than 20% equity assets.

This subtle difference leads to different yields: the annual income of bank wealth management is about 4%, which is roughly equivalent to pure debt. The secondary debt base has the potential to increase income, and many annualized income exceeds 7%. Finally, Zhen Qiang wants to emphasize that although the debt base has good liquidity and convenient redemption, it must be invested for a long time, and it is not cost-effective to make money through short-term speculation.

If you can't use this fund in the short term, it is recommended to buy a low-risk bond fund and use this time to compound interest and receive a big red envelope of wealth management income; If you are not sure how long you want to spend, you can deposit half of your deposit in a time deposit and the other half in a bond fund. If the funds can be used at any time, it is suggested to deposit the deposits in the bank in batches and withdraw them as much as possible, instead of delaying the remaining deposits in order to earn interest. This is a test of your ability to allocate funds. Don't follow the trend. According to your actual situation, don't blindly pursue and don't invest impulsively.