Short- and medium-term bond funds are also a type of fund. Usually, short- and medium-term bond funds refer to funds that invest in bonds with a maturity of 1 to 3 years. The risks of such funds are often relatively low, and the returns are higher than

Ordinary currency fund products, in addition, the drawdown and risk of this type of fund are significantly smaller than that of equity funds.

So what kind of people are suitable for short- and medium-term debt funds? Let’s find out together.

Who are short- and medium-term bond funds suitable for? 1. Suitable for investors with lower risk preferences: The risk of short- and medium-term bond funds is not high, but their returns are higher than those of currency funds.

Therefore, it is more suitable for investors who want to obtain a certain amount of income, but are not able to accept large losses.

2. Investors who are not satisfied with money funds: For this group of people, their risk tolerance is often relatively small. If they want to obtain further returns, they can choose short- and medium-term debt funds, and divide the money originally invested in money funds into

Part of it is invested in short- and medium-term debt funds, which can not only take into account good liquidity, but also control risks and appropriately increase returns.

3. Investors with asset allocation needs: If investors have invested in various types of financial management, such as high-risk financial management and low-risk bank deposit protection, they can allocate some short- and medium-term debt funds in the middle part. On the one hand, they can buffer the high risk.

Risk management may bring losses, but on the other hand, it can also bring some additional gains.

4. Investments with relatively high liquidity requirements: short- and medium-term debt funds have relatively good capital flexibility and can terminate the investment at any time.

In short, different financial products are suitable for different groups. For investors, the most important thing is to know their own risk tolerance and choose suitable financial products for investment within their own tolerance.