Which is better, bond funds or bank wealth management products?
1. Investment threshold
The investment threshold of general wealth management products is very high, most of which need to start from 654.38 yuan +0,000 yuan, while the threshold of bond funds is 654.38+0 yuan or 654.38+0,000 yuan, which is low. If the investment amount is below 654.38 yuan+0,000 yuan, naturally choose bond funds. If it is more than 654.38 yuan+0,000 yuan, you can choose them according to the actual situation.
2. Asset liquidity
Bank wealth management products have a fixed redemption date, generally ranging from 30 days to 180 days. Bond funds mainly depend on the operation mode. Fixed and open bond funds have a fixed holding period, and normal and open debt bases support redemption at any time, and the bank card will be received within 2-3 trading days. If investors have a high demand for liquidity, it is more appropriate to choose bond funds. Bond funds are recommended to be held for more than 30 days, which can save redemption fees.
3. Asset allocation
Bank wealth management products belong to 100% investment in fixed assets and have no equity assets, while bond funds are divided into pure debt and subordinated debt. Pure debt funds can invest all their assets in bonds, and secondary debt can invest less than 20% of equity assets. If the risk tolerance is low and you don't want to invest in the stock market, then bank financing and pure debt are more suitable, and vice versa.
Which is better, bond funds or bank wealth management products, depends on the actual situation. Investors can choose the right products according to the actual situation. That's all. I hope it helps you.