In our current market environment, ordinary people usually choose money funds such as bank wealth management products and Yu 'ebao to invest. However, as bank wealth management is no longer guaranteed, and money funds such as Yu 'ebao are frequently suppressed, these two types of investment products are becoming less and less close to the people. But don't panic to find a new wealth management product, which suddenly exploded in half a year, increasing the scale by more than twice that of Yu 'ebao. It's a financial bond fund! Next, I will introduce the financial bond fund and how to buy it.

1. What is a financial bond fund?

Financial bond fund refers to the fund that invests in bonds. By pooling the funds of many investors, it makes portfolio investment in bonds and seeks stable expected returns. However, China's financial bond fund mainly invests in government bonds, financial bonds and corporate bonds, with relatively stable expected returns and low risks, and is a financial product that is very suitable for ordinary people to invest.

Second, financial bond funds have these three advantages.

1. Most wealth management bond funds expect higher returns than money funds.

According to statistics, at present, the average expected rate of return of financial bond funds is around, while that of monetary funds is around. This is mainly due to the longer holding period of investors in financial bond funds, which is more conducive to improving the expected rate of return. Therefore, in actual investment, for ordinary people, financial bond funds are a better choice.

2. The expected return of short-term financial bond funds is also against the sky.

Many short-term wealth management bond funds with 7 days, 1 month or 3 months in the market have expected returns of more than 5%, which just fills the vacancy of short-term wealth management products of banks. The expected returns are so contrary to the sky that it deserves people's attention. When choosing a specific fund, ordinary people can pay attention to the fund varieties with large fund assets, which are large in scale and high in safety.

3. Financial bond funds have high security.

Since the financial bond fund mainly invests in national debt, financial debt and corporate debt, its security is trustworthy. There is no need to worry about the safety of short-term financial bond funds, especially short-term financial bond funds that are closed during the cycle and are not open every day. They are basically investment bank agreement deposits, which are extremely safe.

Third, how to buy a wealth management bond fund

Financial bond funds are very common in the market. Therefore, there are many channels for purchasing financial bond funds, such as banks, major bank apps, brokers, major brokerage apps, fund company official website, Internet channels, third-party sales and other channels. So you just need to choose the channel that suits you.

Author: Yu Junjian >> Read more