Bond funds are funds that invest in bonds. The risk is smaller than stock funds, hybrid funds, index funds, etc. So are bond funds suitable for retirement?

Is the risk high?

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Bond funds are also subdivided. Bond funds are divided into pure debt type, partial debt type, stock-bond balanced type, and bond-enhanced type. Different types have different risks and returns. The specific income situation is as follows: 1.

The average annualized return of pure debt funds is generally between ±3 and 4%.

2. The average annualized return rate of debt-focused hybrid funds is generally between ±5 and 6%.

3. The average annualized return of stock-bond balanced funds is generally between ±10% and 15%.

4. The average annualized rate of return of bond-enhanced funds is generally around ±20% to 25%, but it depends on the stock market. If the market is good, it may exceed 20%, and if the market is bad, it may lose 20%. Some fund managers have outstanding abilities.

Yes, there may be an income of about 30% or 60% in a year.

If it is a pension, it is actually not recommended to have too much risk. It is more appropriate to suggest that the risk is relatively small, because when you are old, you are likely to retire and there will be no source of salary income, so the risk is small and the income is relatively stable.

It will be more suitable for retirement. Generally speaking, pure debt funds are more suitable for retirement.

Because although the returns of pure debt funds are not high, they are much higher than those of banks on a regular basis. Secondly, the risks are not very high. The possibility of making money if held for a long time is relatively high, and the possibility of losses is relatively small.