2. The stock market and bond market have a seesaw effect.
3. The net value of bond funds fluctuates little, and there are certain fees for subscription and redemption. So if you buy and sell frequently, you may not be profitable.
3. Long-term holding means not to think too much about the fluctuation of net worth. Buying for about 3 years is long-term, because bond funds mainly invest in bonds and can obtain stable income. In the short term, this stable income cannot be reflected.
Supplement:
1. Because of two factors, the price has been inflated by the previous speculation, and there is not much room for interest rate cuts. In addition, a large number of government bonds will be issued this year. These are unfavorable factors, and the bond price is inversely proportional to the interest rate.
When you expect to enter the interest rate cut cycle, you can buy. On the other hand, when the interest rate cut cycle ends, it means that bonds have no excess returns, and only interest rate returns are not necessarily appropriate.
2. Of course, it is the key factor. The bubbles caused by interest rates, new bond issuance and large-scale speculation in the early stage will all cause the bond market to fall, and it will be repeated in the short term. But the long-term trend is not very good, there will be no excess income, only interest income.
If the price you buy is not very high, you can keep it, but you don't have to sell it. It is a relatively safe investment, but the return will be reduced. If it is a high purchase, it is recommended to withdraw it.
I think the stock market will pick up slowly, but it will not rise sharply, and it will be repeated, but the trend should be upward.
Add again:
1. You can't judge the bond market according to the stock index, and there is no inevitable reverse relationship. If we judge the bond market according to the index, we should look at the trend of government bond index and the corporate bond index, so it is reliable.
2. As I said, it is already a bubble, that is, the previous skyrocketing is abnormal, divorced from value, and now it is necessary to return to value. Don't think that bonds are necessarily safe. When the price goes up, they plummet.
3. The position you bought is relatively high, because the most beautiful time of the bond market began in August last year, and the peak was at 5438+00 in June, because the interest rate cut was expected to be substantial and realized. At present, the market's expectation of interest rate cuts is not high, and the space for interest rate cuts is limited, and many government bonds will be issued this year. These are all unfavorable factors.
If you look at it for a long time (holding 1 year or more), you won't lose money, but the income is very limited, because it was already high when you bought it. It's up to you whether to stay or not.
Repeatedly added:
1. You should have software to look at the stock market. You can check the bond index by entering the code. Shanghai bond market code is 0000 12, and corporate bond index is 0000 13. You can judge the bond market according to the bond index, just like watching the stock index, and you have a basic understanding of the general trend.
2. It won't go straight down, there will be a little repetition, but the trend will not be too good, and the trend is estimated to have fallen.
The decline of the bond market means that there will be no excess returns. For example, CITIC Bond's return of 12% last year is impossible, and the return will be much lower. It is estimated that 6% is good. Therefore, for pure debt funds, holding it can make a profit, but not too much. The higher the price, the less the return.
Which of the eight major banks would you choose?