Nowadays, many young people with savings in their hands have joined the army of investment and financial management, and more and more people are interested in investment and financial management. There are many people who are interested in making a single investment or a portfolio investment in the bond market. Not sure whether to buy bonds or bond funds is a problem that needs careful consideration for them. So who has the advantage of the two? Let's explain it with a case.

Kim works as an accountant in a private enterprise, and his monthly income is 6, yuan. His and his wife's monthly income add up to 9,5 yuan, and their companies have purchased social security for them. After years of hard work, they also have their own small deposit (2, yuan cash deposit) and made some investments.

Because I am engaged in accounting work, I have a certain understanding of financial undertakings and know that deposits can't resist inflation in the market. Therefore, for the cash deposit of 2, yuan, his distribution is as follows: 5, yuan is used to invest in gold, 1, yuan to buy government bonds, and 5, yuan to buy bond funds. According to the situation of his family property, he invested his mobile cash assets in gold, bonds, funds, etc., which not only improved the room for appreciation, but also resisted inflation.

compared with the stock market, the bond market is still a little "gentle", so many people have moved to the bond market, and they have added low-risk but stable-income products such as bond funds at an appropriate time. However, what should we pay attention to when investing in these products?

1. Understand the investment scope of bond funds, which can not only be in the bond market, but also be transferred to the stock market through convertible bonds;

2. Choose bond funds with relatively low transaction costs when investing;

3.** Understand the changes in the investment risk of bond funds, and understand the impact of banks on them.

if you invest in bonds, because bonds are liquid, they are easily bound; However, bond funds are different. Investment bond funds can invest in any way, which can make these investment methods cooperate with each other to achieve the most enhanced income.