Bond funds are almost guaranteed to break even if they are held for more than 2 years, so don't sell them in a hurry after buying bond funds, because the probability of positive returns of bond funds is directly proportional to the holding time. The longer they are held, the higher the probability of positive returns, but don't hold them aimlessly.

bond fund, also known as bond fund, refers to a fund that specializes in investing in bonds. By pooling the funds of many investors, it makes portfolio investments in bonds and seeks relatively stable returns. Bonds are creditor's rights and debt certificates issued to investors when the government, financial institutions, industrial and commercial enterprises and other institutions directly borrow money from the society to raise funds, and promise to pay interest at a certain interest rate and repay the principal according to the agreed conditions.

According to the classification standard of China Securities Regulatory Commission for fund categories, bond funds have more than 8% of fund assets invested in bonds. Bond funds can also invest a small amount of funds in the stock market. In addition, investing in convertible bonds and issuing new shares is also an important channel for bond funds to obtain income.

In China, bond funds mainly invest in government bonds, financial bonds and corporate bonds. Usually, bonds provide investors with fixed returns and repayment of principal at maturity, and the risk is lower than that of stocks. Therefore, compared with stock funds, bond funds have the characteristics of stable income and low risk.

The main difference between money funds and bond funds lies in the different investment objects.

Monetary fund is an open-end fund, which invests in the money market, mainly investing in short-term financial products with high security, such as bonds, central bank bills and repurchase. Bond funds are funds that invest in bonds, mainly treasury bonds, financial bonds and corporate bonds.

The money fund's income is only higher than the bank's time deposit interest rate, but there is no interest tax, so it can be redeemed at any time, and generally the funds can be received on the second day after applying for redemption. Therefore, the money fund is very suitable for units and individuals who pursue low risk, high liquidity and stable income. The two products have their own advantages.

As the average maturity of the assets allocated by the Monetary Fund is short, the assets of the Fund can be rolled over in a very short time. And the funds due to be paid will soon be invested in short-term debt, central bank bills, agreement deposits and other varieties with higher returns after raising interest rates, which will quickly improve the income of the money fund.