Pure bond funds are very reliable when buying, because we can know what our money has invested in, and it is convenient to operate by ourselves. The historical performance of pure debt funds is relatively good, and the worst performance of long-term investment can also be guaranteed. Therefore, pure bond funds can be said to be the unsinkable aircraft carrier in the investment market and the never failing backbone in the defense line after asset allocation. So how should we choose pure debt funds?
First of all, on the one hand, the yield of pure bond funds depends on the overall environment of the bond market. Do you want to know whether the current bond market is a bull market or a bear market? It also depends on the investment level of the fund manager. But now investment is not the time for fund managers to fight alone, so the overall investment research strength of fund companies is more important. At this time, large fund companies have certain advantages. For example, Huitianfu, Tianhong, Hua'an, ICBC, Penghua, Guangfa, Nanfang, etc.
Second, look for pure bond funds that have been issued for a long time and have relatively stable and excellent long-term returns. It is also relatively simple to operate. Go to Tiantian Fund. com, click "Fund Ranking" and find "Bond Type" on the page to find bonds with relatively good long-term returns.
Third, many of the names of the bond funds include "ABC". Class A charges subscription fees, while Class B does not charge additional subscription fees. Instead, they are converted into the net fund value published every day with management fees, custody fees and other fees, and these costs are deducted in advance. Class A is generally called front-end charging, and class B is called back-end charging. In order to charge more management fees from fund companies, the longer you hold the fund, the lower the back-end fees will be, and the purchase and redemption fees will be waived if you hold the fund for more than 5 years. C does not charge a subscription redemption fee, but a sales service fee. What kind of charging method is better? It depends on our personal investment needs. If your investment needs are temporarily released and tested, maybe the money will be released in two months. It is cost-effective to choose not to charge the purchase and redemption fees. If you decide to keep this investment in the bond base for at least one year, it is more cost-effective to choose the one-time subscription and redemption fees.
Fourth, buy a fixed and open bond base, referred to as "fixed bond". On the one hand, it absorbs the advantages of direct OTC purchase, and on the other hand, it inherits the advantages of closed-end funds that can operate in a closed manner, facilitating investment management by investment managers to seek higher returns. The investment income of the bond base is generally proportional to the investment period. Traditional open-end fund investors can purchase and redeem at any time, which is easy to disrupt the investment rhythm of the fund manager, especially in response to the unexpected huge redemption pressure. Then the fund manager will not dare to invest in those long-term high interest bonds, so that liquidity will be available, but the yield will be down. However, the fixed open-ended funds have been set up for a closed operation period of at least half a year and at most three years. During the closed period, investors are not allowed to redeem, so the fund managers can fully open their hands and try their best to seek a higher return on investment. After the closed period, there will be an open period of at least one or two days and at most one month for investors to collectively purchase and redeem. This mode of operation has led to the fact that the regular open-end funds are more likely to obtain higher returns than ordinary bond funds. It is recommended to choose a fixed open-ended fund with a one-year closing period.
