The income of securities investment funds comes from the future, and the performance of the income is inseparable from the performance of the investment target market, which has certain risks. So, is there a relatively stable investment variety for us novices to choose from? Today, Bian Xiao will share with you the fund knowledge of "fixed income+"for your reference only!

What is "fixed income+"?

"Fixed income plus", as the name implies, is mainly composed of "fixed income" and "+".

Fixed income, the full name of which is "fixed income", usually refers to bond assets with more certainty of relative income and less risk, generally accounting for more than 70%.

On the other hand, "+"is based on "fixed income assets" and invests in equity assets with relatively high risks such as stocks, accounting for no more than 30%.

Let's give a simple example. "Solid harvest" is like a cup of original milk tea, while "solid harvest+"is to add some "pearls, puddings, milk lids" and so on to the original milk tea.

Characteristics of "Fixed Income Plus" Products

The "fixed income+"strategy, in short, is to allocate the main assets in the product portfolio to fixed income products, supplemented by equity assets, to enhance the portfolio income.

From the perspective of product categories, there is no clear distinction between products that adopt the strategy of "fixed income plus", and these products are mostly distributed in various products such as partial debt mixing and flexible configuration mixing.

The "fixed income+"product pursues the absolute income of long-term stable appreciation, which is essentially different from the traditional fund that follows the market and looks at its performance by ranking.

Therefore, the performance of "fixed income+"products has the following characteristics:

(1) Product performance can't be judged only by performance ranking, especially short-term ranking. Short-term performance can usually be judged by products with relatively radical strategies;

(2) The annual rate of return, even the quarterly income, needs to be high enough to surpass the short-term wealth management or money fund income;

(3) The stability of product performance needs to run through the bull-bear cycle, especially the withdrawal. The normal situation should be controlled within 5%.

(4) The stability of stock positions needs to be controlled within a certain range for a long time. The underlying positions are mostly high-quality stocks with stable trends and stable dividends.

Advantages of fixed income+strategy

What are the advantages of this investment strategy after understanding the concept and characteristics? The following is a brief summary of the following points:

First of all, compared with stock funds that pursue high returns, the overall stock position of "fixed income+"products generally does not exceed 30%, so it performs better in controlling retracement and pays attention to bringing more comfortable investment experience to investors.

Secondly, follow the concept of stock and debt allocation, and have both offensive and defensive.

Generally speaking, the relationship between stocks and bonds is manifested in two situations: one is that the stock market and bond market rise and fall together, and the other is that stocks and bonds are on a seesaw relationship.

Let's take the Shanghai and Shenzhen 300 Index and the China Securities Total Debt Index as examples. Since 20 10, although the first class of stocks and bonds have risen and fallen together, most of them still show a seesaw relationship, that is, stocks and bonds have risen and fallen together, especially after 20 15.

Therefore, the allocation of stocks and bonds will help to spread market risks in the process of medium and long-term investment.

And "fixed income+"integrates the advantages and disadvantages of stocks and bonds through this way of asset collocation. On the one hand, bonds are used to build asset safety mats and pursue relatively stable return on investment; On the other hand, use the stock promotion to seek higher yield.

Fixed income+products may lose money.

However, it is necessary to remind everyone that investment will inevitably have certain risks. Although "fixed income+"products mainly pursue stable income, the "+"part will increase investment income to a certain extent, but it will also indirectly and inevitably amplify risks.

The overall performance of this part is that when the bond market or stock market fluctuates greatly, the "fixed income+"products will also be adjusted in stages, and the possibility of losses will not be ruled out.

Fixed income+product applicable population

Therefore, for individuals who want to invest in "fixed income+"products, it is still recommended to evaluate risks and benefits. If the loss is totally unacceptable, it is not recommended to invest in such products.

In order to make it easier for everyone to understand, here is also a summary of which investors are suitable for such products:

1. Suitable for investors who hate high risks and have low overall risk tolerance. However, it should also be noted that the risk of fixed income+products is relatively low, but it is not completely without loss.

2. The fund's investment time tends to be medium and long term, and it pays little attention to short-term performance.

3. Investors who pay attention to asset allocation, the "fixed income+"investment strategy is also an asset allocation in essence, so investors who prefer asset allocation but don't know how to choose this product can consider this product.

4. Investors who currently invest in some money funds or bank deposits, but feel that the overall income is too low and are choosing other relatively stable alternative products.

Tip:

First, we should pay attention to arranging the proportion of fund varieties according to our own risk tolerance and investment purpose. Choose the fund that suits you best, and set an investment ceiling when buying partial stock funds.

Second, be careful not to buy the wrong "fund". The popularity of funds has led to some fake and shoddy products "fishing in troubled waters", so we should pay attention to identification.

Third, pay attention to the post-maintenance of your account. Although the fund is worry-free, it should not be left unattended. Always pay attention to the new announcements on the fund website, so as to have a more comprehensive and timely understanding of the funds you hold.

Fourth, pay attention to buying funds, and don't care too much about the net value of funds. In fact, the fund's income is only related to the net growth rate. As long as the fund's net growth rate stays ahead, the income will naturally be high.

Fifth, we should be careful not to "love the new and hate the old" or blindly pursue new funds. Although the new fund has inherent advantages such as preferential prices, the old fund has long-term operating experience and reasonable positions, which is more worthy of attention and investment.

Sixth, we should be careful not to buy dividend funds unilaterally. Fund dividend is the return of investors' previous income, so it is more reasonable to change the dividend method to "dividend reinvestment" as far as possible.

Seventh, we should pay attention not to talk about heroes in the short term. It is obviously unscientific to judge the pros and cons of the fund by short-term ups and downs, and it is necessary to make a comprehensive evaluation of the fund in many aspects and conduct a long-term investigation.

Eighth, we should pay attention to the flexible choice of investment strategies such as steady and worry-free fixed investment and affordable and simple dividend transfer.

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