Hello, if you have a weak risk-taking ability, it is better to invest in fixed-income products, that is, currency funds or bond funds.

In the past one or two years, the one-year income of most monetary funds has been slightly higher or the same as the one-year fixed deposit income, and some excellent products have even reached the three-year fixed deposit income. Recently, many fund companies have launched the T+0 business of direct selling currency fund redemptions. Without losing income, the liquidity is significantly better than one-year bank fixed deposits.

The normal annual return of bond funds is around 5-7%. Unless there is a bond bull market like last year, the annual return can reach 8-10%, but this is not the norm after all. In particular, the regulatory storm over bond funds this year will restrict the yields of bond funds. Perhaps the income from bond funds in the past one or two years should be around 5-6% at most, but it is still a bit higher than that of fixed deposits.

Your two funds have increased by more than 10% this year alone, because both funds are secondary bond funds that can invest in stocks. They can invest up to 20% of assets in the stock market, and they are He took advantage of market hot spots and gained excess returns. Bond income alone cannot achieve such an increase. It is estimated that it is unlikely to rise by another 10% in the second half of the year. Moreover, once the stock market adjusts, secondary bond funds will also experience a certain degree of decline

Since your risk-taking ability is weak, it is best to be cautious or to intervene in secondary bond funds in a small amount. It is recommended to consider pure bond funds.

For example, products from Wells Fargo, ICBC, and Huaxia.