As a mature investor, if you want to carry out asset allocation, bond funds are of course the kind you must invest in, and you should also master some knowledge about bond funds.
At present, bond funds in the market are divided into three categories:
First, new shares and bonds were issued. This is the most popular bond fund variety in the early market.
Second, buying and selling stocks and bonds in the secondary market. For such bond funds, the proportion of stocks is generally more than 20%, but less than 50%. The main assets are still invested in bonds.
Third, the pure bond fund is fully invested in the bond market, and the yield is not high.
No matter which bond fund you choose, investors should pay attention to the following aspects:
1、 The majority of bond fund income comes from the income from the issuance of new shares. If the general bond fund is an offline subscription stock, it can only be sold after 3 months of holding. If the shares are subscribed online, they can be sold on the day of listing. Therefore, the return rate of new shares is closely related to the time when the fund company sells the shares, which is something investors should pay attention to.
2、 Before investing in bond funds, you need to have a clear understanding of their broad categories of assets. The proportion of stock positions and the proportion of bonds.
3、 It is necessary to analyze the allocation proportion of major types of bond assets. Although the overall environment is affected by the macro aspect, the trend of national debt, financial debt and corporate debt will not deviate significantly in a large stage, but in the short term, there may still be a difference between strong and weak. It is necessary to clarify the proportion distribution of major bond assets, and then, in combination with the current market environment, distinguish the relative trend of overseas bonds, financial bonds and corporate bonds, and select the bond funds with higher proportion of varieties with better relative trend.
In addition, at present, bond funds are not risky and their returns are not low, but this does not mean that such funds do not have risks. Its risks mainly lie in the following aspects:
1、 The bond market has been in a continuous downturn. At present, the inflation pressure is still high, and the central bank will still raise interest rates. Although the bond market has a strong long-term expectation, the bond market may still fall in the short term due to the introduction of tight monetary policy, which will affect the income of the entire bond fund;
2、 Reform the new system to eliminate such a high price difference between the primary and secondary markets;
3、 The stock market continued to fall, and the new shares subscribed by the Fund fell significantly three months later, falling below the issue price;
4、 With the emergence of unsecured credit products, the proportion of bond fund investment is also growing. Once the credit products purchased by the bond fund have credit risk problems and cannot be cashed at maturity, it will have a significant impact on the bond fund holders.
Conclusion
Through the above knowledge, I believe you will understand bond funds better. I hope you can make reasonable investment according to the methods described in the article to help you realize wealth freedom as soon as possible.
