It is worth mentioning that after the central bank cuts interest rates, it may also lead to a decrease in bank wealth management income. However, after the central bank cuts interest rates, if users apply for a bank loan to buy a house, the loan interest will be reduced, which means that the cost of buying a house will be reduced in the future.
Savings belong to guaranteed capital and interest commodities in institutions. Even if the bank goes bankrupt, users' savings will be compensated, and users can rest assured in deposits. Although deposits are safe and reliable, the only drawback is that the interest is too small. If you want to get interest from financial institutions, you can only choose deposit term. The liquidity of time deposits is very poor. Once the time deposit is withdrawn in advance, the interest rate of the time deposit will be automatically converted into the interest of the current deposit, which is very infeasible.
Generally speaking, the central bank's interest rate cut has advantages and disadvantages for most people. It should be noted that although the central bank's interest rate cut has an impact on housing loans, it is not harmful to every user of housing loans. If the user's mortgage interest rate is fixed, then the central bank's interest rate cut has no effect on its own housing loan, and it still charges interest according to the previous bank loan interest rate; Only when the loan interest is floating interest rate has great influence. After the central bank cut interest rates, the mortgage interest of users changed gradually from 65438+ 1 the next day.
Is the central bank's interest rate cut beneficial to bond funds? The interest rate cut by the central bank is beneficial to bond funds, which will form good news. Especially, after the central bank cuts interest rates, the interest rate of bank deposits will drop, which may make some investors feel that the interest rate is very low, and they will want to open an investment and wealth management shop with strong income, which will discharge some assets and flow into bonds. The rise in bond prices will actually be beneficial to a certain extent.
However, it must be noted that this kind of harm is only temporary and will not last long. To buy bond funds, we should consider many aspects, not just one aspect, such as the past rate of return, management scale, private fund managers and so on.
Secondly, there are many different types of bond funds. If they can't take big risks, they can choose the one with the least risk, which is actually a bond fund. Bond funds are stocks with 100% investment in securities, with little risk and relatively stable returns.
When we choose, we can look at the past income. When we choose, we should try to choose the ones with better income in the past, and most of them will be better. Although the past is not equal to the future, it will have certain reference value.