Bond funds are mainly funds that invest in bonds, and the risk is relatively small, slightly greater than that of money funds. After buying a bond fund, many people are most concerned about the income. So, are bond funds profitable on weekends? Bian Xiao prepared a bond fund income analysis for everyone at the weekend, hoping to help everyone!

Are there any gains from bond funds over the weekend?

Bond funds have income on Sunday, because bond funds generally invest in the bond market, and the main sources of income are net value changes and bond interest, which is calculated according to 360 days, so bond funds have income on Sunday, which is generally reflected in the net value of fund shares and will be announced on the next trading day.

It should be noted that bond interest income generally refers to the interest paid by borrowers, including the central government, local governments, financial institutions, listed companies and enterprises. It is a relatively stable source of income in bond funds, so the risk of bond funds is small and relatively small. However, it should be noted that when the market is not good, there may be a continuous decline, so be cautious when buying.

When is the right day to buy a bond fund?

Generally speaking, it is recommended to confirm the share from Monday to Thursday on working days, because bond funds generally confirm the share at T+ 1, so if they buy on Friday, the share will not be confirmed until next week, and the same is true on Saturday and Sunday, so Monday to Thursday on working days is more suitable, and the share can be confirmed quickly.

But in fact, the essence of buying bond funds is to make money, so as long as you choose a good bond fund, it is appropriate to buy it no matter what day it is, but if you choose a poor bond fund, it will always fall more and rise less, and it is not appropriate to buy it no matter what day it is.

Analysis of weekend income of bond funds?

1, interest income

Interest income refers to the interest paid by borrowers, including the central government, local governments, financial institutions, listed companies and enterprises. It is a relatively stable source of income in bond funds.

2. Market fluctuation income

The market fluctuation income is similar to the spread of stocks, which mainly refers to the difference earned by investors when the bond fund has a low net worth and then sells it when the bond fund has a high net worth. Therefore, investors should try to buy bond funds with good trend, good fund performance or strong fund manager's operational ability.

3. Stock returns

Some bond funds participate in stock innovation, hold some stocks, such as primary debt and secondary debt, and can obtain excess returns by buying and selling stocks.

How does the fund decide to invest?

1 Select the fixed investment target: The foundation for the fund to make money by fixed investment is based on a good fund. For us, choosing a good fund product is the most important thing. We need to screen and compare the historical performance, maximum retracement, position distribution, investment style, fund manager and other information of the fund to ensure that there is no problem with the fund.

2 determine the fixed investment cycle: for the fixed investment cycle, there are often daily fixed investment, weekly fixed investment, monthly fixed investment and irregular fixed investment. According to statistics, no matter how the market changes, the yield curves of daily fixed investment, weekly fixed investment and monthly fixed investment are almost similar, with little difference in income, and there will be no situation that the higher the frequency of fixed investment, the higher the income. Among them, the monthly fixed investment time is very suitable for the second or third day after the salary is paid, because it can help us to save forcibly and is suitable for friends who have weak self-control and like to spend.

Fixed-time investment refers to investors who choose to buy in the falling market instead of setting a fixed time, which is more suitable for investors who have a better understanding of the fund, have certain research, can pay attention to its market every day, and have certain time and energy.

3 Fixed investment amount: Assuming that the fixed investment period has been determined, the fixed investment amount must be fixed or not. The amount is easy to understand, that is, every investment is the same amount. If it is not fixed, you can increase the investment ratio when the market goes down and reduce the investment amount when the market goes up.

4 save the cost of fixed investment: if we can save more costs in the investment process, it is equivalent to an increase in our rate of return. Here, the transaction costs of the fund are reduced as much as possible, such as redemption fees, sales service fees, and trading commissions of the on-site funds. In addition, the correct choice of fund dividend method is also a skill to make our long-term income rise. Cash dividends can make us feel safe, which not only makes the floating surplus become real money, but also saves our redemption fee. If it is dividend reinvestment, then we can increase the fund share.

Although the dividend of the fund will be ex-dividend, that is, putting the money in the left pocket in the right pocket will not increase our income immediately, but the dividend will be made up after ex-dividend. As long as dividends are stable for a long time, the price drop caused by ex-dividend will be compensated, so it is a long-term positive for us.

5 Take profit in time: It is necessary to know that although the fixed investment of the fund is a long-term investment, there is also a time limit. We must learn to make a profit in the right position. Generally speaking, bull market and bear market are the best nodes for a long investment cycle, especially the China stock market is still in a short-term state, so it is necessary to find the right time to take profits when the bull market comes.

Buying fund skills

There are certain risks in buying funds through financial management, but there are many types of funds, and different types of funds face different risks after purchase. When purchasing a fund, users can choose the type of fund according to their risk-taking ability, such as common fund types: money fund, bond fund, mixed fund and stock fund.

The greater the risk users face when buying a fund, the more income the fund will get later. However, venture funds may lose their principal. It is best for users to use their own spare money to buy funds, so as not to affect their normal lives after losses, and they can't borrow money to buy funds.

Users generally choose positions with low net fund value when buying funds, so that they can get good returns after the net fund value rises in the later period. If you buy in a position with high fund net value, there will be losses after the subsequent fund net value falls. In order to avoid this situation, you should check the recent trend of the fund before buying.

When users invest in funds, it is best to use the method of fixed investment. Investing in the fund in this way can effectively reduce the holding cost of the fund, and users can get good returns after the fund rises. However, it takes a long time to buy funds with funds, and it is difficult to make profits in the short term.

Users can choose different channels when purchasing funds, such as banks, fund companies and third-party platforms. Users can choose the purchase channel according to their actual situation. When choosing a fund, you will generally choose a fund that has been listed for a long time. Such a fund has been running for several years, and investors can check the past performance.