Bonds and bank time deposits have something in common.

His maturity is very long, usually two to ten years (some US Treasury bonds have a maturity of as long as 30 years).

Can be traded in the securities market (like stocks)

The interest rate of bonds is generally slightly higher than that of bank time deposit certificates.

Otherwise it won't attract people to buy it,

For example: 100 bond interest rate 10% (10%) with a term of five years.

That is, if 100 USD bonds are issued,100 USD will be distributed every year (normally).

However, if the market changes sharply, the bank interest rate will rise to 20%

Then, investors prefer to go to banks regularly to attract funds.

At that time, if bonds were sold;

What do people who buy your bonds think?

Unless there is at least 15% interest!

How's it going? I buy the bond price.

How much has it dropped? $67?

Hey, 65438 USD +00 USD interest (fixed), 65438 USD +00 USD 6765438 USD +000% = 14.9%.

At that time 14.9% was the "interest rate";

On the contrary, if banks cut interest rates sharply,

The bond "yield" will also fall.

However, the bond is set to pay 10 USD annually.

Then, bonds will only be sold if they rise above 100.

That is, "interest rates fall and bond prices rise; If interest rates rise, bond prices will fall!

If you want to invest in bonds, you can help the bank to act as an agent.

(Debt can get back $65,438+000 of capital in 30 years. )

Or a bond fund acting as a bank agent.

Just make a monthly contribution of 1000 USD or its multiple!

Besides, the previous figures are exaggerated assumptions!

Usually, when a country's economy goes up, interest rates will rise slowly at a low level.

It also attracts capital inflows.

On the contrary, when the economy declines, the situation is just the opposite.

Ordinary bonds of 1 million mosquitoes,

They all attract financial institutions or banks or funds to buy and sell;

The face value of retail bonds can be as low as several thousand mosquitoes (depending on the issuing company).

The term is as short as two years, attracting ordinary people to buy O.

Bond fund = fund manager (fund manager) specializes in investing in bonds.

Benefits = less ups and downs, limited erosion; When the economic outlook is not good and stocks fall, bank interest will also fall accordingly. As mentioned above, bonds will rise, so now is the best time to buy bonds.

Disadvantages = limited appreciation. If the economic outlook improves, banks will raise interest rates and bonds will fall, so they should be sold immediately.

Statement: At the beginning of this year, I paid monthly to the bond fund. 1. Bonds mean that you lend money to a company, and it will stipulate when to pay interest, how much interest to pay and when to repay the principal. For example, China Construction Bank recently issued a two-year bond.

2. The bonds mainly invested are bond funds, which will earn returns by buying and selling bonds, and most of them will not hold bonds due.

3. There is nothing to say about investment tools. As long as the issuing company is not dead, it will certainly receive the same interest at maturity, but the return will not be too high, but the bond fund is risky and may be scattered. 1. What is a bond?

An investment product, the investment is mainly based on interest, and through issuing a contract, it promises to repay on time.

Repayment of principal and interest, this contract is a bond (generally foreign annual, short-term notes, long-term bonds)

Vouchers, but generally called bonds can also be)

2. What is a bond fund?

Funds that invest mainly in bonds.

3. What are the advantages and disadvantages of bonds/bond funds?

Bonds are less risky than stocks. Theoretically, if the company goes bankrupt, it will certainly get the expected income.

(Suppose there is no sale in the middle, because the sale may be lower than the purchase before the expiration, so there is a financial loss.

However, if interest rates rise, the downward pressure will generally be greater than that of stocks (of course, there are many types of bonds,

There is a so-called reverse interest rate, and the increase in market interest rate is beneficial to this bond, but most of the market is ordinary bonds.

That is to say, if the market interest rises, the market price will fall)

The disadvantage of funds is that they charge management fees, but the advantage is that they can diversify their investments, that is, they can use smaller funds.

Buy various bonds.