Of course, bond funds are not bought casually. If you want to have an average annualized return of 6%, you must master the basic knowledge of bond funds.
1. Pure debt fund: As the name implies, it basically invests in bonds.
2. Bond funds: More than 80% of the funds are used to invest in bonds.
3. Debt-biased funds: More than 50% of funds invest in bonds, but less than 80%.
4. Convertible bond fund: bonds are divided into national bonds, government bonds and corporate bonds. This fund invests exclusively in convertible bonds of the company.
Among them, pure debt is the safest bond fund, followed by bond funds, partial debt funds and convertible bonds funds will be affected by the stock market to a certain extent and fluctuate greatly. It is not recommended for novices to buy.
1. Output:
According to the historical annualized rate of return, of course, the higher the better.
2. Fund size:
Too big or too small is easy for fund managers to operate. It is recommended to buy more than 654.38 billion yuan.
3. Rate:
Of course, the lower the better.
4. Fund manager:
The fund manager is the soul of the fund, and whether the fund earns or not sometimes depends entirely on the preference habits of the fund manager. So when you choose a fund according to the rate of return, you must see whether the fund manager of this fund changes frequently. The current fund manager has been in office for several years.
5. Fund rating:
At least 3, 4 or 5 stars is better.
Where should I check these data? As usual, it is still "Tian Tian Fund Network". Be patient, the data in it is quite complete!
As I said before, it is best to buy money funds whenever needed, because money funds have good liquidity. What about bond funds?
Bonds generally have a certain term, and the interest of bonds purchased in different time periods is different. Therefore, if you want to get higher income, you'd better use funds that are not used for a short period of time, at least idle for 1~3 years.
Bond funds generally use "10-year treasury bond yield" as a reference index.
If the market interest rate is high, more people will buy it, and the bond price will drop, so buy it at this time. Instead, sell when the market interest rate is low.
Now, do you know how to choose and buy and sell debt bases?