Investing in bond funds is simpler than other funds, just remember two sentences: first, choose short-term interest rates at a low level and long-term interest rates at a high level; Second, you can invest at any time. If there is a floating loss, you can add a position to share the cost.

1, low interest rate is short-term, and high interest rate is long-term, because the bond market is greatly affected by interest rate, and the longer the bond fund term, the higher the interest rate. Compared with short-term bond funds, long-term bond funds fluctuate more in bull and bear markets.

Therefore, when the interest rate is generally low, you can choose short-term bond funds or money funds; When the interest rate is high, you can choose a long-term bond fund.

How to judge whether the interest rate is high/low? You can refer to the yield of ten-year government bonds.

Long-term bond funds can be considered when the yield of 10-year treasury bonds is above 3.5%.

When the yield of ten-year treasury bonds is below 3.5%, long-term bond funds are not suitable for investment. If it is less than 3%, you can consider selling long-term bond funds and replacing them with money funds or bank financing.

2, can invest at any time, in the case of floating losses, you can add positions to disperse low-cost bond funds, but the fluctuation is relatively small.

So as long as we have demand, we can choose a bond variety and invest at any time. If there are floating losses, you can also add positions appropriately to spread low costs (note that you add positions when the books are floating losses).

In this way, the probability of making money from bond varieties is greatly improved.