The investment income of bond funds is ok, and the risk coefficient is relatively low, which is considered as a stable income fund investment. However, when investing in a fund, we should also make a good risk assessment of the fund, make full preparations and get to know the fund.

The second point: the ability of fund managers.

To put it simply, fund investment is to hand over your own funds to a professional fund manager for investment, so it is very important to choose a good fund manager, which is related to whether we can make a profit after investing. Generally, when choosing a fund manager, you can look at the performance of the fund managed by the fund manager, such as historical performance, profitability in the last three months and the last six months, and you can also look at the return rate of the fund manager.

The third point: the performance of the fund cannot be compared.

When participating in investment, if only the master performance of the fund is taken as the yardstick to measure the fund, this investment practice is not comprehensive. Because the market is always in a changing state and cannot be copied, it is necessary to judge the investment opportunity according to the market situation or major positive and negative news at all times.

Because of its "high-yield, low-risk" investment characteristics, the fund attracted a large number of investors and quickly created the fund market in China. Some old funds are still of great investment value, and new funds are gradually growing. However, with the increasing number of funds in the fund market, the fund market has become more and more complicated. At present, there are more than 400 securities investment funds in China fund market.

According to the issuers, there are bonds issued by financial institutions and enterprises, that is, financial bonds, corporate bonds and corporate bonds.

Although they are all bonds, the risks are different. According to the risk level, it can be divided into interest rate bonds and credit bonds. What's the difference between these two bonds?

Interest rate creditors mainly refer to bonds issued by the government or provided by the government with debt repayment support, including government bonds, local government bonds, central bank bills, financial bonds issued by policy banks and bonds issued by government support institutions. Generally speaking, interest rate bonds have almost no default risk.

But this does not mean absolute safety. Greece has defaulted on its debts.

Bonds other than interest rate bonds are credit bonds. The issuer involves enterprises, companies, short-term financing bonds, subordinated bonds, etc. The default risk of this bond debt will be greater, as I mentioned in the previous national debt value formula:

Expected rate of return = risk-free interest rate+risk compensation