The question of bond funds also losing money, do you lose money when you buy bond funds?

In June, the bond market experienced a wave of small adjustments, and at present, the bond market has a tendency to regain its upward trend, and there are still certain investment opportunities in the bond market in the second half of the year under the background that the fundamentals of the economic slowdown have not changed. Penghua Harvest and Huashang Income Enhancement achieved positive net value growth in the first half of the year, but may cause a small loss due to the first time point or handling fee costs, etc., and can continue to be held.

The second half of the year is likely to continue to be sluggish, so we can also pay attention to some of the more cautious pure debt types. For example: China Merchants Antai Bonds, ICBC Tianli, etc.

At present**unstable, it can only be regarded as maintaining stability**.

Therefore, the ** industry may not be able to solve the problem.

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It is not advisable to invest in bonds under the current circumstances**. First, the possibility of interest rate cuts is small, making it impossible for bonds to have short-term speculative returns. On the contrary, if the interest rate is raised, it will cause the bond ** to decrease, form a paper loss, and increase the risk.

At present, **at a low level, it is better to buy currency**, find a good exchange for ****, and increase the expectation of profits.

It is clear that bonds** will lose principal, so don't be blindly impulsive in investment, for fear of losing the principal. But don't worry too much, compared with **type**, the risk of bond** is relatively low, and the safety is also guaranteed, but its risk is higher than that of currency**.

Bonds** are generally divided into pure bonds** and convertible bonds**, and there will be differences between these two types. The risk of pure debt bonds** is very small, slightly larger than currencies**, and the yield is slightly higher. However, it is relatively stable and holds it for a long time, basically it will not lose the principal, and the possibility of making money is very great.

However, convertible bonds** are slightly riskier than pure bonds**. The same is true for its returns, because convertible bonds** are mainly invested in bonds, so they have the risk attribute of bonds.

Of course, the yield of the bond type is higher than that of the currency, and if you want to invest in bonds, it is recommended to consider short-term bonds. Although there is also a risk of loss of principal, it is less risky than other types of bonds**. It generally has no more than 397 days of investment maturity, and the shorter the maturity of the bond, the more stable the return because it is also less uncertain about interest rate ripples.

Extended information] Bonds**, also known as bonds**, refer to the ** that specializes in investing in bonds, which seeks more stable returns by concentrating the funds of many investors to invest in bonds in a portfolio.

In China, the investment objects of bonds** are mainly treasury bonds, financial bonds and corporate bonds.

Advantages of Bonds**:

1) It can enable ordinary investors to easily participate in the investment of interbank bonds, corporate bonds, convertible bonds and other products. These products have all kinds of inconvenient restrictions on small funds, and the purchase of bonds** can break through this limitation.

2) In times of downturn, bond yields remain stable and unaffected by market volatility. Because the returns of bond investment products are very stable, and the corresponding returns are also very stable, of course, this also determines that its income is subject to the interest rate of bonds, which will not be too high. The annual interest rate of corporate bonds is around the same level, and after deducting the operating expenses of **, the annual yield can be guaranteed to be in between.

Disadvantages of Bonds**:

1) Only if you hold it for a longer period of time, you can get relatively satisfactory returns.

2) When the bond market fluctuates, there is even a risk of loss.

There is a possibility of loss in bonds, bonds are a kind of financial management, as long as it is financial management, there will be risks, there is a possibility of losses, but there is a classification of bonds, the types of bonds are different, and the risks and returns will be different.

Bonds** are divided into **public bonds**, municipal bonds**, corporate bonds**, international bonds**, and bonds** according to the investment target: treasury bonds, credit bonds, convertible bonds, etc.

In addition, bonds can also have a small part of the funds invested in the market, the risk of investing in the market bonds will be relatively large, but the profitability is the same, if you don't want to bear the big risk, then don't choose to invest in the market.

As we all know, bonds are known for their stable returns, but bonds are still likely to lose money, and when they encounter a bond bear market, bonds will also have a decline in returns, continue to lose money.

We must be clear that in the current investment market, in addition to bank deposits and currencies, there are no principal-protected products, and the net-worth of wealth management products means that the previously capital-protected products here will also face volatility risks. Bonds are relatively low risk and low volatility compared to other **, index**, etc., but the bond base also has a bull and bear market, and there will be continuous ** in an unfavorable environment.

So how will bond yields be affected?

First of all, we need to understand the income of bonds, and the income of bond investment mainly comes from coupon rates and spreads.

The coupon rate refers to the fixed interest rate printed on the face of the bond, usually the ratio of annual interest income to the face value of the bond, which has been agreed at the time of bond issuance, and the interest will be paid directly at maturity, which is a known quantitative.

The spread is constantly changing with the change of the bond, theoretically, the face value of the bond is its, but in practice, affected by various factors, the bond will change frequently, if the bond is very good, you can earn a bid-ask spread, which is an unknown variable.

Do short-term bonds** lose principal? Analyze it from two aspects!

First, the nature of the product.

Short-term bonds** like other ** products, the investment income depends on the investor** and the **net unit value at the time of selling**, if the net unit value of selling is lower than**unit net value, then ** is a loss.

Therefore, short-term bonds are non-principal guaranteed floating income products, and the contract generally does not promise capital preservation or minimum returns, and theoretically there is a risk of principal loss.

Second, the investment target.

1. Investment period.

The remaining maturity of the bonds invested in short-term bonds** generally does not exceed 397 days, and the bonds have a fixed term, and the issuer needs to pay the principal and interest as agreed when it expires, and the so-called remaining term refers to the number of days from the bond to repay the principal and interest. The shorter the maturity of a bond, the less uncertainty it is about interest rate ripples and the more stable the yield.

2. Scope of investment.

The investment scope of short-term bonds** is limited to fixed income products such as bonds, central bank bills and bank deposits, and the bond varieties are mainly treasury bonds, policy financial bonds and corporate bonds, and do not invest in ** and convertible bonds.

Bonds are a relatively stable investment category, bond bear market can earn coupon income, bond bull market can earn coupon and capital gains at the same time.

Therefore, on the whole, the performance of short-term bonds** is relatively stable, the probability of investment profit is relatively high, and the risk of loss is relatively small.

Further information: 1. What are short-term bonds**.

Short-term debt** refers to bonds with a maturity of one to three years. Short-term bonds** are more suitable for investors who already hold bonds. When there is no other investment object found after the bond is redeemed, you can invest in short-term bonds** or want to be an asset allocator.

In addition, short-term bonds** typically have a higher return on investment than time deposits, which also applies to time deposit holders.

2. What are the characteristics of short-term debt**?

1.The risk of short-term bonds** is relatively low, and the long-term risks and returns are lower than those of **** and ordinary bonds**, but higher than that of currencies**.

2.Short investment cycle. Short-term debt** is named because of its short investment period, so the short investment period is a distinctive feature of short-term debt**.

3.Short-term bonds** mainly invest in banks, between the bond market, and therefore have the advantage of bonds** and currencies**.

4.Good liquidity. The subscription fee of short-term bonds** is zero, the income is higher than that of currency**, and the liquidity is good.

There are many types of bonds, and from the division of the subject, bonds.

The risk is lower than that of the type.

and hybrid **, although the risk of selling auction is relatively low, but we still have to deal with the debt base.

If you have a clear understanding of the risk, will the bond** lose out the principal?

1. Bonds** will not lose the principal.

2. When a single bond goes bankrupt, it is likely to lose all the principal of Hedan, but the bond is invested in multiple bonds at the same time, and the bond will generally avoid the issuer with a large financial connection when choosing the target, so that the risk is diversified.

3. Unless you encounter a very, very extreme situation, you will not lose your principal.

Bond type ** refers to the ** that invests exclusively in bonds, which seeks more stable income by pooling the funds of many investors to invest in bonds in a portfolio. According to the classification standard of the China Securities Regulatory Commission for ** categories, more than 80% of the ** assets invested in bonds are bonds**.

Because bonds** invest in bonds, the risks of bonds may include interest rate risk, credit risk, etc., so bonds** are also risky. You can refer to the risk level and see the risks disclosed in the contract.

1. One of the income of bonds is coupon income, which is to put it bluntly, it is to make money from the financing party.

For example, with a unit price of 10,000 yuan **1 year, the coupon rate of the bond, we will receive interest normally after the bond matures.

2. Another income of bonds is capital gains, which is to put it bluntly, it is to make money from the trading party.

For example, we spent $100 on a bond, and when the bond bull market was good and the bond was rising, we sold it to the counterparty at a transaction price of $130 and made a profit of $30. However, the transaction price will change with the fluctuation of the market.

This is the yield of the bond**, and the second one will cause the bond**.

Therefore, not all investment products are guaranteed to make profits without losses, as the so-called profit and loss are of the same origin, that is, risks and returns coexist.

The type of risk of bonds**.

1. Brand and credit can be guaranteed for enterprises.

Coupon income fluctuations due to brand and credit risk. For example, when you ** a corporate bond, but unfortunately the company is on the verge of bankruptcy and insolvency, then the bond in your hand cannot be exchanged for principal and interest.

2. Interest rate fluctuations lead to bond supply and demand adjustments.

Overall, bonds** and interest rates have a seesaw relationship. When you ** bonds, if the market interest rate level rises, the bond ** will**; On the contrary, when the market interest rate level falls, the bond **will**. Bonds will lose money after being sold, which is the risk of income caused by interest rate fluctuations.

3. Liquidity risk caused by frequent trading by investors.

When the market environment is sluggish or the bond market rises too much in the early stage, a large number of investors frequently buy and sell bonds, which will lead to the instability of the scale, and the manager needs to buy and sell more bonds to meet the redemption needs of customers, and also bear the liquidity risk caused by the market tightening.

It depends on what kind of debt your bond is.

It's perfectly fine to invest in Treasury bonds, and the yield is lower.

Question: Yesterday, my Huijin Stable Wealth Management fell by 14%, is it normal? What's going on?

Damn, the financial products you bought in **, Lao Tie.

Completely abnormal!!

Bond-type wealth management, ** down 0 a day at mostEven if it's a lot, a lot of questions, the first phase of Huijin Stable Strong Bond in the daily **.

More than 20% of the questions are asked! Will I lose my principal? It's scary!

It can't be redeemed before it expires!

Asked five and a half months ago.

Q: What should I do?

Will bonds** lose money?

Bonds** mainly invest in bonds, partially invest**, and do not promise capital preservation.

Theoretically, any investment will have the possibility of losing money, but the relative size of the risk, and the bond itself also has a risk of loss.

Risky investments are all loss-making, and investments that don't lose money are not called investments. There is no such investment either.

Bonds** is a kind of medium and high-risk investment, under the growth of **, many investors do not understand why bonds** will lose? Bonds are not related to **, and what are the reasons for this? Here's what I've brought you about why bonds** lose money, welcome to read it.

What is Pure Bond**?

Pure debt is a bond that invests in bonds. Bonds are issued by enterprises and state, and they all have a characteristic: they have a certain term, and they will return the principal and interest when they mature, and the interest is higher than the interest on bank deposits.

Therefore, the risk of buying pure debt** is not very large, and its biggest risk is that it cannot keep up with the pace of inflation.

Reasons for the loss of pure bond **:

Generally speaking, there is a seesaw effect between the bond market and the bond market, with the bond market moving relatively weak when the performance is good, and the trend being relatively weak when the bond market is performing well. The large-scale loss of pure debt ** under the premise of the continuous rise of the bond market has a lot to do with the recent successive breakdowns of new shares.

After the lottery system is adopted under the GEM and the small and medium-sized board, once the lottery is won, the impact of the new shares on the expected annualized yield of the bond is much greater than before, so once the new shares are listed and the performance is not good, it may directly lead to the loss of the bond.

The biggest risk to bonds comes from changes in expected annualized interest rates.

If after the central bank cuts interest rates, because the coupon of the bond itself has been determined, if you want to reduce the expected annualized interest rate, you can only let the coupon **** achieve the purpose of reducing the expected annualized interest rate, which brings real expected annualized returns to many people who bought bonds before. At this time, if you want to lose money, unless you raise interest rates or rise too fast in the early stage, the temporary coupon ** will fall, which will cause certain losses.

Another additional situation is that one of the bonds bought by the ** buys has a bond that cannot be redeemed or goes bankrupt.

Pure Debt ** Investment Strategy:

In the first step, we can use the "**ranking" function of the daily ** network to filter. Select "Bond" in the "Open** Ranking", and there are currently 718 bond**.

The second step is to select "Long-term Pure Debt" in the "Classification". Because the expected annualized return of short-term pure debt** is too low; the risk of a hybrid and convertible bond base is too high; Fixed-term open bonds are not readily available, so we will not consider other bond bases other than long-term pure bonds for the time being. After these two rounds of screening, there are probably only about 300 long-term pure bonds** left.

The third step is to sort the expected annualized rate of return of "the past year" from large to small, and only take the top 50, so that there are only 50 left in the target**.

The fourth step is more troublesome, you need to manually eliminate those pure debts that are not "pure" enough, for example, the investment scope says that you can invest in ** and convertible bonds, can play new stocks, and are open regularly, all of them must be eliminated, and the pure bonds that can go this way should not exceed 10.