Second, bond funds account for 23% of the global fund scale, and often form an asset allocation portfolio with equity funds. There are many kinds of overseas bond funds, including high-yield bonds, treasury inflation-protected securities and other fields where domestic debt bases rarely set foot, which brings more choices to investors.
Third, the money fund is a good cash management tool. The classification of overseas monetary funds is slightly different from that of domestic monetary funds. For example, American money funds can be divided into taxable and tax-free types, which invest in short-term national debt and commercial paper respectively, as well as short-term securities exempted by local governments. Although overseas fund money is not as good as domestic income, it is still a better choice than bank deposits with low interest rates.
Fourth, commodity funds invest in commodities such as commodities, precious metals and agricultural products, which also have high returns and high risks. Unlike domestic commodity funds, which mostly invest in commodity-related stocks, overseas commodity funds actually hold futures contracts with related targets, so they are more in line with the trend of commodity prices. Commodity fund is a good helper to diversify investment. The correlation with other fund categories is low, and the price fluctuates frequently, which can smooth the portfolio income well.
Fifth, the allocation fund can be understood as "stock-debt matching fund". Excellent allocation fund managers can dynamically adjust the allocation ratio of different categories and fields such as stocks, bonds, developed markets and emerging markets according to their own understanding of macro and market.
Second, overseas fund purchase channels.
1. QDII funds launched by major domestic banks can be invested, most of which are selected global stocks, and growth accounts for the majority, which is risky. There are also index funds to consider, but most of them have been established for a short time. Private banks have a high threshold for opening accounts, with an investment of one million yuan and a subscription fee of more than 2%.
2. You can register overseas securities accounts, such as Internet brokers such as First Trade and Interactive Brokers, because account management is very convenient.
3. You can indirectly invest in overseas funds by purchasing Sunshine Private Equity Fund, such as products invested by Lin Jing in the global market.
The purchase method is the same as that of domestic fund products, and it is also divided into two modes: full investment and fixed investment. In addition, in terms of rates, the subscription fee for purchasing overseas funds will be more expensive than that for domestic funds, but there is little difference in management fees. Generally speaking, equity funds are higher, while bond funds and monetary funds are lower. Considering the liquidity, it depends on whether investors will keep their funds overseas or at home after redemption. If they stay overseas, there is little difference between liquidity and domestic funds. However, if they repatriate their funds after redemption, the speed will be slower because it involves foreign currency exchange.