Although several bond funds with relatively high cumulative net worth have achieved annualized returns of 65,438+00% to 65,438+05% in the past 20 years, with the increase of market risks brought by the new asset management regulations and the decline of the overall domestic interest rate, it can be predicted that the yield of bond funds will decrease year by year, while the stock positions of bond funds with relatively high net worth are not low, and many income contributions are due to stocks.
Of course, it is not that bond funds are not suitable for investment. They have their own asset characteristics and advantages, such as much lower volatility than stocks, easier to hold positions and so on.
However, bond investment needs to face greater credit risk, which also tests the research strength, information insight and even social influence of fund companies. Therefore, it is more difficult to choose a good bond fund than a good stock fund. Moreover, even the best choice can't avoid the risk of bond stampede, which requires you to lay out the bond fund again, further increasing the difficulty of investment. Therefore, in the big investment direction of bond funds, it is recommended to use FOF funds for portfolio investment, so that professional investment teams can manage the portfolio positions of funds for you.