1. Look at the underlying bonds selected by the bond fund, preferably the underlying bonds with AA level or above. If B or C may default, the low credit will be reduced.

2. Look at the past performance of fund managers. Generally, the trend of past performance is the best. If the past performance fluctuates greatly, don't choose.

3. Looking at the scale of bond funds, it is generally best to choose the scale between 500 million-1 100 million.

Bond funds have risks, which mainly come from two aspects: interest rate risk and credit risk.

Interest rate risk: If the national monetary policy is tightened, the interest rate of deposit reserve is raised continuously, then the bond market will be suppressed to some extent, thus affecting the trend of bond funds.

Credit risk: that is, if the bond issuer fails to pay the interest rate of the bond, the fund will also lose money.

In addition, bond funds may also have liquidity risk, that is, when the central bank's monetary policy is tightened, the market liquidity is temporarily tight and bonds cannot be exchanged, which will also make bond funds have certain risks.