Pure debt is the safest.
Such funds only invest in bonds, not stock varieties. The risk is low, and correspondingly, the income is low. Statistics show that as of March 2 1, the average net value of six products increased by 0.93%, and this kind of products still achieved positive returns in the volatile market, which shows the good utility of their steady investment; The average net worth increased by 6.54% in the past year, which was higher than the benchmark interest rate of bank deposits. This kind of fund is suitable for risk-averse investors.
Make a new class mainstream.
These funds mainly invest in bonds, and can participate in the subscription of new shares, the proportion is generally not more than 20%, but they do not buy or sell stocks from the secondary market. In the development of domestic securities market, participating in the subscription of new shares is considered as a low-risk and stable investment behavior. Statistics show that as of March 2 1, 2 1 the average net value of products has increased by -0. 19%, which is mainly related to the recent decline in the speed of issuing new shares and the winning rate; In the past year, the average net value increased by 13. 12%, and the income was more than double that of pure debt funds. This kind of fund has effectively improved the investment income on the premise of steady investment in bonds, and has become the mainstream product of bond funds.
Some debts fluctuate greatly (main debt base)
You can subscribe for new shares or participate in stock issuance in the primary market, and you can also actively invest in equity categories such as stocks in the secondary market, but bond funds with an investment ratio of less than 20% and partial debt funds with a stock investment ratio of more than 20%. AIA Huatai Pyramid Fund is such a product.
While investing in bonds, such funds can participate in the subscription of new shares and the secondary market trading of stocks, which not only enhances the fund's income, but also magnifies the investment risk. Stock selection requires a strong investment and research team and decision support, which puts higher demands on fund managers.
Statistics show that as of March 2 1, 16, the average net value of products increased by -5.49%, which was mainly caused by the recent stock market adjustment, but it was still less than the 23.05% net value decline of 13 1 equity funds, which reflected the advantages of such products in bond investment. In the past year, the average net value increased by 3 1.40%, and the income was more than double that of the new fund. This is because the stock market was good before 10 in 2007, and the partial debt fund made good gains during this period. It should be pointed out that at present, the net value of Guolian Ansheng's peace of mind growth, Tianzhi wealth growth and Haifutong's income growth are all below 1 yuan, which is related to the high stock position of the products. Partial debt funds are suitable for investors with certain risk tolerance.