In terms of investment, we generally divide investment funds into two parts. Some people can accept large price fluctuations to pursue higher returns, which is the role of "attack", while others don't want the principal to bear too much risk and pursue stable returns, which is the role of "defense".

Bond fund means that more than 80% of the fund's funds are invested in bonds. We all know that bond funds are relatively low-risk investment products. Therefore, bond funds generally play a "defensive" role in our portfolio.

Today, taking Tian Tian Fund Network as an example, I will tell you how to choose high-quality bond funds.

1, agency rating (all five stars). Open Tian Tian Fund Network to find fund screening, select bond type among fund types, and choose full five-star rating for institutions.

2. Established (more than 3-5 years)

3. Rate of return (see accumulated income in three years). The rate of return in recent three years is sorted from high to low, and then the top ten analysis can be selected;

4. Scale (500 million-65.438+0 billion), and fund scale ≤ 65.438+0 billion yuan;

5. Change frequency of fund managers (bond fund managers shall not be less than 1 year). Click on the fund name to enter the fund details page, and click on the fund manager to find the fund manager change list. If the fund manager has served for more than 1 year, it is ok.

Generally speaking, you can choose about 5 bond funds and distribute the funds equally.