What's the difference between OTC funds and OTC funds? What are the t+0 monetary funds in the field?
Bond fund:
Bond funds generally seek relatively stable expected annualized expected returns by concentrating the funds of many investors to invest in bonds. Compared with high-risk stock funds and hybrid funds, bond funds are relatively low in risk, and the expected annualized expected return fluctuates relatively smoothly, which has always been regarded as an investment weapon to avoid risks.
What bond funds are there in the market?
Advantages of bond funds:
1. Ordinary investors can easily participate in investment in products such as inter-bank bonds, corporate bonds and convertible bonds. These products have various inconvenient restrictions on small funds, and buying bond funds can break through this restriction.
2. When the stock market is depressed, the expected annualized expected return of bond funds is still very stable and is not affected by market fluctuations. Because the expected annualized expected return of products invested by bond funds is very stable, the expected annualized expected return of corresponding funds is also very stable. Of course, this also determines that their expected annualized expected return is subject to the expected annualized interest rate of bonds and will not be too high. The expected annualized interest rate of corporate bonds is about 4.5%, and the expected annualized rate of return after deducting the operating expenses of the fund is between 3.3% and 3.5%.
Disadvantages of bond funds:
1. Only if you hold it for a long time can you get a relatively satisfactory expected annualized expected return.
2. When the stock market skyrocketed, the expected annualized expected return remained stable at the average level. Compared with equity funds, the expected annualized expected return is lower, and there is even the risk of loss when the bond market fluctuates.
How to choose a bond fund?
From the perspective of asset allocation, bonds still have investment value at this stage. The expected annualized expected return risk of preferred debt base is much better than that of equity fund. Although the bond market has undergone some adjustment under the influence of multiple factors in the middle process, the biggest negative of the bond market, that is, the expected annualized interest rate recovery, is unlikely and the risk is still controllable under the background of economic stabilization and recovery. The future performance of 1 year is still worth looking forward to. Generally speaking, you can choose a pure debt base with strong risk control ability as a stable allocation, or you can choose a positive secondary debt base to appropriately obtain the expected annualized expected return of the stock index rise.