Market volatility, bull market, bear market and volatile market appear alternately. In different markets, the performance of different types of funds varies greatly. If it is in a bull market, partial stock funds will shine brightly and get more excess returns beyond the market. If you are in a bear market, bond funds will perform more prominently due to the seesaw effect of the stock bond market. If you hold partial stock funds, you are more likely to face the risk of greater losses.

Is there any kind of fund that can be held regardless of the bull and bear in the market?

Of course there is. What I have to mention here is fixed income+fund. Fixed income+refers to the investment strategy of fund products, which aims to reduce the fluctuation of net value, smooth the income curve, have both offensive and defensive functions, and strive for victory in stability. It is a good choice for family financial investment.

For example, the partial debt mixed fund is a typical fixed income+strategic fund. By the end of 2020, the stock of partial debt mixed funds exceeded 500 billion yuan, an increase of more than 2.5 times compared with140 billion yuan at the end of 20 19.

Moreover, this kind of fund has relatively low requirements for buying timing, and investors can buy and hold it for a period of time at any time. Generally speaking, it is more appropriate to hold fixed income+fund 1 to 3 years.

From the perspective of long-term returns, stock returns are relatively high, but the main weakness of stocks is that short-term fluctuations will be relatively large and it is difficult to hold. If you can hold it for at least one year, fixed income+product is a better choice, and fixed income+fund is also the backbone of medium-term idle money management, and you need to pay a certain time cost. However, if you have a high demand for liquidity of funds, it is more appropriate to allocate some products with partial liquidity.