Investment and financial management depends on everyone's risk tolerance, and there is no more cost-effective statement. If you have sufficient funds and strong psychological risk tolerance, you can buy a bond fund, which is a kind of fund. Relatively stable in the fund, the expected return is higher than the time deposit. For investors with low risk tolerance, it is recommended to choose time deposit, which is a capital-guaranteed product in which the depositor and the bank agree on the deposit time and interest rate and withdraw the principal and interest in one lump sum after maturity.

Do investment bond funds lose money?

It can only be said that there is a possibility of principal loss in investing in bond funds. Although the risk of bond funds is relatively low, investors cannot report a stable income, so they should invest rationally. The increase of bond funds is mainly affected by interest rates, so investors should always pay attention to the changes of bond fund interest rates. Interest rates fall, the transaction price of government bonds rises, and bond holding funds gain income; When the interest rate rises, the transaction price of government bonds will fall, and the funds holding bonds will lose money.