1, risk tolerance
Debt funds can be divided into pure debt funds and partial debt funds, but in any case, the funds invested in bonds will not be less than 80%. If the risk tolerance is poor, it is recommended to buy a bond fund.
Hybrid funds invest in stocks, bonds and money markets at the same time, which can be divided into partial stock funds, partial debt funds and balanced funds. Partial stock funds are suitable for investors with high risk tolerance. As mentioned above, the partial debt fund operates in the middle and low risk range and is suitable for people with moderate risk tolerance.
2. Timing of fund purchase
The principle of investment fund and stock investment is the same, and a good investment opportunity is very critical. The bad start-up time of the fund will definitely affect the final expected return value. Therefore, whether it is to buy mixed or debt, the time to buy is crucial.
3. Expected return value
Before investing, everyone will make an estimate of the expected return of this investment. If fixed-income investors are more radical and like to pursue higher expected returns, it is good to buy hybrid funds. However, if investors are cautious and don't have such high expectations for expected returns, it is more appropriate to buy bond funds.
Conclusion: What kind of fund to buy mainly depends on investors' risk tolerance, the timing of fund purchase and the expected expected return value. You can't simply say which fund to buy is better. Investing in any fund at any time is risky. What we want to say is that no matter which fund we choose, it is always right to diversify and invest cautiously.