Judging from the historical trend of domestic bond funds, the long-term returns of all domestic bond funds in the past decade have not been as high as those of index funds. However, in recent ten years, the long-term average income of domestic bond funds is around 6% to 7%, which is not bad compared with financial management, but it is an average. The income of bond funds is also different from that of bull market and bear market. In a bull market, bond funds can earn an average of 8% to 12% a year, while in a bear market, bond funds may lose an average of 10% to 12% a year. So combining bull market and bear market, the long-term average is about 6% to 7%.
It should be noted that bond funds are not capital preservation funds, and there is also fluctuation risk, but this fluctuation is much smaller than that of index funds, and long-term investment in bond funds is also high-yield.
There are other places to pay attention to when investing in bond funds.
First of all, it is very important for bond funds to avoid smaller bond funds and try to choose bond funds with a scale of more than 1 100 million yuan. This is because if a small-scale bond fund defaults on one of its heavy debts, it may fall sharply in a short time, and we may lose a lot. At the same time, small-scale bond funds are also the easiest types of funds to liquidate.
Therefore, we should try our best to avoid too small bond funds and choose bond funds with a scale of over 654.38 billion yuan?