From the data, we can see that the returns of equity funds and hybrid funds are very good in the bull market, and there is no need to allocate "+"funds.
In fact, 2020 is also a year in which the scale of "+"products has soared. In a bull market, it is also necessary to configure "+".
As far as liquidity is concerned
From the perspective of risks and benefits, fixed income "+"can replace many wealth management products. Fixed income "+"is an open product, which can meet the needs of wealth management while maintaining high liquidity.
However, the advantage of this liquidity is that money can be redeemed at any time when it is urgently needed. If it is for timing, it is of little significance, and the experience of investment income is also very general.
From the perspective of asset allocation
20 19 by 2020, the market has been a slow bull market for two years, and investors holding stock funds can get good returns for two consecutive years. For the new year of 20021,all institutions indicated that investors need to lower their investment expectations appropriately, and for the purpose of steady investment, especially steady investors, increase a certain proportion of "+"in asset allocation.
The rise can keep up, but the fall is small; The biggest feature of "+"products is that they can attack and retreat.
The explosive growth of such products in the past two years is also due to the fact that investors are more and more rational, know more about scientific investment and like to consider risks more and more.