The recent interest rate of book-entry treasury bonds is really not high, which is not suitable for individual investors. At present, the benchmark for the performance comparison of bond funds issued in the market is the after-tax interest rate of two-year time deposits (currently 2. 16%), which is higher than the income of deposits or government bonds in the same period, and also has advantages compared with the money funds with declining income at present. Because such funds mainly invest in short-term bonds, the principal is safe and the income is stable. For ordinary people, buying government bonds has many benefits that cannot be obtained. For example, individuals cannot participate in the interbank market, and the retail quota of corporate bonds is limited, so individuals cannot buy them. However, investors can avoid this drawback by buying bond funds.

It should be emphasized that the bond funds that sell well in the market at present are different from the bond funds that have been issued in the past. In the past, bond funds mainly invested in bonds, supplemented by stock funds, but now bond funds that sell well are short-term bonds and other fixed-income varieties that only invest in the inter-bank bond market and do not invest in the stock market, so they are usually called "short-term debt funds". Due to the characteristics of the bond market, such funds are suitable for investors with a holding period of more than 3 months.