After the transformation of bank financing to net worth, the investment scope of bank financing has also been relaxed, but the core of bank financing investment is fixed income assets. There are many kinds of bond funds, some only invest in fixed income assets, such as pure debt funds, and some invest in fixed income assets and stock assets, such as secondary debt base.
The biggest advantage of bank financing lies in its large customer base. Customers mainly purchase bank wealth management through bank APP and offline outlets. The biggest advantage of bond funds is that the overall investment and research ability of fund companies is stronger, and customers mainly buy bond funds through third-party consignment agencies.
Compared with bank financing, the information disclosure of bond funds is more perfect. We can all see the net value curve since the product was established. Considering the past income and exit control, we can also know the basic situation of fund managers who manage bond funds, other funds managed and historical performance. You can also learn about the changes in some positions of the fund through regular reports, and the investment and research services are more comprehensive and detailed.
When buying bank wealth management products, in most cases, you can see the performance benchmark of the products, and only a few products can see the past net value curve.
As far as the investment threshold is concerned, most bank financing starts at 1 1,000 yuan, and bond funds generally start at 1 or 1 1,000 yuan. If the investment amount is relatively small, of course, it is more appropriate to choose bond funds.
In terms of liquidity, bank financing often has a fixed opening period, and some bond funds are fixed and open, and some are normal and open, supporting redemption at any time.
If the risk appetite is low and you don't want to participate in the stock market, it is also possible to choose bank wealth management or pure debt fund. If you want to allocate assets such as stocks at the same time, secondary bond funds are more suitable.