For example: financing convertible bonds A, financing convertible bonds C, Chinese business credit enhancement bonds C, etc. If you invest in stocks, the risk will be even greater.
But there are also some pure debt funds, such as CCB pure debt bond A and Guangfa pure debt bond A.. , are pure debt funds. The risk is relatively small and the possibility of loss is relatively small, so there is no bond fund to invest in the stock market. The risk is too great.
What is better for Alipay bond fund to buy?
Alipay's lazy financial management all belongs to bond funds, and the risk inside is relatively small. There are three pages to open the lazy financial management, which are: financial management introduction, safe and good selection, expected annualized income of about 4%, steady and steady, striving for good income, expected annualized income of about 5%, small wind and small waves, increasing income, expected annualized income of 6.
Different returns represent different risks. The least risk of Alipay's lazy financial management is to get started with financial management and make a safe choice. It is expected that the annualized income will be around 4%, which basically belongs to the low-risk level, and the possibility of making money for a long time is relatively large.
Bond funds, also known as bond funds, refer to funds that specialize in investing in bonds. By concentrating the funds of many investors, we can make portfolio investment in bonds and seek relatively stable returns.
Bonds are creditor's rights and debt certificates issued to investors when the government, financial institutions, industrial and commercial enterprises and other institutions directly borrow money from the society to raise funds, and promise to pay interest at a certain interest rate and repay the principal according to the agreed conditions.
According to the classification standard of China Securities Regulatory Commission, bond funds refer to funds with more than 80% of fund assets invested in bonds. Bond funds can also put a small amount of money into the stock market. In addition, investing in convertible bonds and issuing new shares are also important channels for bond funds to obtain income.
In China, bond funds mainly invest in government bonds, financial bonds and corporate bonds. Usually, bonds provide investors with a fixed return and repay the principal at maturity, and the risk is lower than that of stocks. Therefore, compared with stock funds, bond funds have the characteristics of stable income and low risk.
The main difference between money funds and bond funds lies in the different investment objects.
Money fund is an open-end fund, which invests in the money market, mainly investing in bonds, central bank bills, repurchase and other short-term wealth management products with high security; Bond funds are funds that invest in bonds, mainly treasury bonds, financial bonds and corporate bonds.
The income of the money fund is only higher than the interest rate of bank time deposits, but there is no interest tax. You can redeem it at any time, and generally you will receive the funds the next day after applying for redemption. Therefore, the money fund is very suitable for units and individuals who pursue low risk, high liquidity and stable income. These two products have their own advantages.
As the king of cash management, money fund has high security, high liquidity and stable profitability, which is similar to "quasi-savings" and always shows its investment charm without showing the obvious. According to the data of Galaxy Securities Fund Research Center, as of July 29th, 20 14, the average annual income of 49 A-level money funds in 20 14 was 1.8354%.