If the fund falls, there are two ways to continue to hold or sell the stop loss. If it is within its own risk tolerance and does not exceed expectations, it will continue to hold it. Wait for the market to improve.
There are two main factors that affect the income of bond funds. One is the market interest rate. The return of bond funds is usually contrary to the market interest rate. Interest rates rise, bond fund returns fall, market interest rates fall, and bond fund returns rise.
The second impact on the income of bond funds is bond default. If some bonds in the bond market default, the bond funds that unfortunately hold the defaulted bonds will be trampled directly, and the net value of the funds will definitely decrease. In addition, if the defaulting enterprise has great influence, it will hit the confidence of the whole bond market and lead to a decline in the bond market.
Then let's see why our bond fund has fallen a lot recently. First look at the market interest rate. You can directly look at the yield of 10-year government bonds. As interest rates rise, bond prices naturally begin to fall, which is also the main reason for the poor performance of bond funds.
In addition, there have been some influential default events in the bond market. First of all, the first one is Brilliance Group, which is BMW Brilliance. It is surprising that this state-owned enterprise should default on its bonds. There are also contractors' banks, and billions of bonds have not been returned. These events have hit the recent bond market, leading to a large decline in bond funds.
In addition to pure debt funds, there are secondary debt bases. Such funds not only hold bonds, but also hold some stocks. Of course, the holding ratio of stocks usually does not exceed 20%, so this bond fund can make money even if the bond market falls, but if the stocks it holds are profitable.
Pay attention to the following points when buying bond funds:
1. Although the risk of bond funds is low, it is not without risk, and there may be principal loss.
2. Choose bond funds according to your risk preference, which has strong risk tolerance, and you can choose secondary debt base, graded debt, closed debt, etc. The risk tolerance is low, and it is best to choose pure debt or primary debt.
When the stock market bears, it is a good time to enter the bond market.
4. Monetary policy is loose. For example, it is a good time to enter the bond market when reducing RRR and cutting interest rates.
5. Bond funds can be purchased through bank counters, fund companies or formal official channels.
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