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What are the factors that affect the return of bond funds?
Because the CSRC stipulates that 80% of the funds of bond funds must be invested in bonds, the biggest factor affecting the income of bond funds must be the fluctuation of the bond market. At present, the fluctuation of the bond market is mainly affected by two aspects.

First of all, there is often a negative correlation between market interest rate and bond yield. Generally speaking, the higher the market interest rate, the lower the bond yield, and the lower the market interest rate, the higher the bond yield.

There are two main manifestations. On the one hand, when the economic growth slows down or declines, the central bank will cut interest rates to stimulate economic growth, which is beneficial to the bond market. If this happens, the income of bond funds will generally rise; On the other hand, it is the price level. If the price level rises rapidly, mainly because the CPI index is relatively high, then the central bank will raise interest rates to curb the price increase, which is not conducive to the bond market, and then the income of bond funds will decline.

bond funds

Second, when the market is well-funded and willing to invest in the bond market, the income of bond funds will also increase substantially. In particular, the main investment target of conservative financial products is bonds. When there are more conservative wealth management products or more funds investing in bonds, the bond market will perform well, so the income of the same bond fund will also rise.

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Finally, there are many kinds of bond funds in the market, including short-term debt funds, long-term debt funds and even some funds specializing in convertible bonds. In addition to the above two factors, the income of bond funds will also include factors such as the performance of the stock market. In China, the government bond index is usually used as a reference to reflect the performance of bond funds. Generally speaking, if the income of a bond fund is higher than that of government bond index in the same period, the performance of this bond fund is relatively good.

bond market