Is the debt base suitable for fixed investment or long-term holding?
Debt base is suitable for long-term investment, not for fixed investment. In the investment process, products with fluctuating net value are more suitable for fixed investment. However, the net value of bond funds fluctuates very little every day, and both pure bond funds and high-yield bond funds basically show a slow upward trend.
From the income point of view: the fixed investment of the fund is more suitable for relatively volatile investment varieties, while the debt base is basically some pure debt funds with less risk, and its net value fluctuates little. In addition, the income of fixed investment bond funds is lower than that of one-time purchase bond funds. If investors want to get higher returns, it is better to invest in index funds.
From the risk point of view: the fixed investment of the fund is mainly to spread market risks and smooth prices, and will not buy at a high point at one time. Income-oriented investors can buy bond funds at one time and get income as soon as possible.
From the perspective of capital, bond funds, as a stable investment variety, have little fluctuation, and the effect of reducing uncertainty through fixed investment is limited. If the capital stock is limited, it is more suitable for one-time investment, and there is no need to divide it into several fixed investments.
What is the relationship between the rise and fall of debt base?
The rise and fall of the net value of bond funds is related to other factors such as market interest rate, stocks and bonds.
The rise and fall of bond funds is inversely proportional to the market interest rate. When the market interest rate rises, its net value may fall. When the market interest rate falls, its net value may rise.
Because more than 80% of the assets of bond funds are invested in bonds and a small part is invested in the stock market, the rise and fall of bond funds will also be affected by stocks and bonds to some extent.
When the stocks invested by bond funds fall due to bad market conditions or other bad news, it will also lead to the decline of bond funds to a certain extent; On the contrary, because of some good news, the stock price rose sharply, which indirectly led to the rise of bond funds.
Because its main funds are invested in bonds, the yield of bonds will also affect the rise and fall of bond funds to some extent.
What is the most cost-effective way to buy and sell bond funds?
If you buy an open-end bond fund, it is best to buy it with a low net worth, and then hold it for a long time, and then sell it when the net worth of the fund is higher than the net value at the time of purchase and can earn about 3%; If you buy a fixed-term fund, it is best not to redeem it in advance, because many funds may lose money if they redeem it in advance, but if the term is extended, that is, the holding period expires, then the probability of profit will increase.