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Fund bond is an investment product, which collects investors' funds to buy various fixed-income securities, such as bonds, government bonds and corporate bonds. The income of fund bonds mainly comes from the interest and principal recovery of these securities, and the yield is usually relatively stable, which is suitable for investors with low risk tolerance.
Types of fund bonds
Fund bonds can be divided into money funds, bond funds and mixed funds. Among them, the money fund mainly invests in short-term financial instruments with high liquidity, such as bank deposits, bills and short-term bonds. , the income is relatively low, but the risk is low; Bond funds mainly invest in various bonds, including government bonds, corporate bonds and local bonds. The income is relatively stable, but the risk is slightly higher; Hybrid funds invest in stocks, bonds and other securities at the same time, and the yield and risk are relatively balanced.
Advantages of fund bonds
Compared with other investment products, fund bonds have the following advantages:
1. The risk is relatively low: the investment risk of fund bonds is relatively low, especially for money funds, and the risk is almost negligible.
2. Relatively stable income: the income of fund bonds is relatively stable, which is suitable for investors who pursue stable income.
3. Convenient transaction: Fund bonds can be purchased and redeemed through major brokers, fund companies and other institutions, and the transaction is very convenient.
4. Diversified investment: The investment funds of fund bonds can be diversified into various securities, thus reducing the impact of single securities risk.
Disadvantages of fund bonds
Fund bonds also have some shortcomings:
1. The yield is relatively low: the yield of fund bonds is relatively low, which cannot meet the needs of high-risk investors.
2. Higher investment threshold: Some fund bonds have higher investment threshold and need certain funds to purchase.
3. There is credit risk: the investment targets of fund bonds are all kinds of bonds, and there is credit risk of bond issuers.
How to choose fund bonds
When choosing fund bonds, you need to consider the following aspects:
1. investment objective: according to your investment objective and risk tolerance, choose the fund bonds that suit you.
2. The strength of the fund company: choose a fund company with strong strength and good reputation.
3. Fund size: choose fund bonds with large scale and good liquidity.
4. Yield: Choose fund bonds with high yield and relatively low investment risk.
Fund bonds are investment products suitable for investors with low risk tolerance, and have the advantages of relatively stable returns and relatively low risks. When investors choose fund bonds, they need to make comprehensive consideration according to their investment objectives and risk tolerance.