Under the premise of interest rate hike expectations, is the right time to invest in bond funds? 5

According to the investment cycle, it is better to invest in ** and inflation-resistant commodities now, if you can't grasp the investment risk, it is recommended to invest in ** managed by professional investment managers. You can avoid the high risks that come with high returns through regular investment. In order to avoid systemic risks, it is not advisable to choose the products of the same **company and the same type of **product, Harvest 300 is a passive index**, with low fees, fitting the CSI 300 index, and E Fund value growth is active, and the two complement each other.

For friends who are just getting started, the risk of investment is not necessarily less than that of buying and selling.

1. At this stage, it is still more suitable to do the first fixed investment, such as the kind of fixed amount of ICBC, and the capital investment is intelligently judged according to the first index.

In terms of selection, the selection of several meters of treasure can help you, and the selection of filtering and starry sky selection is very simple and easy to use.

3. Finally, in investment activities, there are often high risks and high returns, low risks and low returns, and it is necessary to pay attention to systemic risks at all times.

If you don't use it in the short term, you can buy those graded open-ended **, under normal circumstances, the class A part of the grading ** is to ensure a return of about 6% or higher every year, while class B has to bear the risk, of course, if the ** is good, the income of class B is much greater than that of class A.

It is recommended that you subscribe to the Enhanced Bond**. This type of investment can be in small amounts, but the upper limit is generally 20%. The average annual return should be around 10%.

If you can still subscribe online, you can save the handling fee.

It's better to buy online and save the handling fee!

First of all, it needs to be clear that most bonds have a fixed interest rate, and the same is true for the investment target of bonds**. So intuitively, assuming that the interest rate of the central bank in the early stage is 4%, and a bond ** holds 1,000 yuan of bonds, the face value is also 1,000 yuan, and the interest is paid every year, then the annual income of the bond ** is 40 yuan. Suppose that in the process of holding, the central bank suddenly raises interest rates to 8%.

Then in the existing market, the interest payable for a 1,000 yuan bond is 80 yuan per year; Conversely, if an asset can only pay $40 in interest per year, then the market value of the asset should only be $500. So at this time, the bond that was once worth 1,000 yuan in the bond is now only worth 500 yuan, and the net value has declined, so it will be.

This is what market participants often say about the principle that bonds** are inversely proportional to interest rates.

1. Interest rate hikes are bearish for bonds.

After the interest rate hike, it will directly lead to the downward trend of bonds in the market. Due to the rise in the benchmark interest rate of banks after the interest rate hike, bank deposits.

Yields become higher, and bonds themselves are an interest rate product, which is not as flexible as bank deposits, which will cause some of the funds in the bond market to flow back to banks. In the short term, interest rate hikes will cause the existing bonds in the market to fall**, but in the long run, they will be positive, and the yield of bonds will increase as the rate hike increases.

2. Interest rate hikes are negative for the bond market, interest rate hikes will make the expected yield of bonds rise, and the bond market ****, so interest rate hikes will make the bond market **, bond yield is composed of two factors: yield and market, bond yield to maturity = bond interest income + capital profit and loss bonds**, when bond yields.

When there is no change in maturity, the bond** decreases as the maturity date of the bond approaches.

When bond yields fall over the course of the term, the bond** rises as the maturity date of the bond approaches.

Extended information: 1. What is interest rate hike:

The rate hike is the ** bank of a country or region.

The act of raising interest rates, so that the cost of borrowing from commercial banks to ** banks increases, and then forces the market to increase interest as well. The purpose of raising interest rates includes reducing money**, suppressing consumption, suppressing inflation, encouraging deposits, slowing market speculation, and so on. Interest rate hikes can also be used as an indirect means of increasing the value (exchange rate) of the country's or region's currency against other currencies.

The interest rate hike is a certain or some interest rate of the current by ** banks or ordinary commercial banks (including non-bank financial institutions in Tongzhou).

Purposeful improvement is usually a move to achieve a specific goal.

Generally speaking, the direct purpose of interest rate hikes is to force commercial banks to borrow from ** banks at a more expensive cost, and then force the interbank lending interest rate (such as overnight bank interest rate, interbank interest rate) to increase, so as to increase the entire financial market.

The cost of short-term financing, inhibiting malicious speculation.

Interest rate hikes are not only economic behaviors, but also the product of multiple political and social factors, and sometimes they are likely not to be carried out for economic purposes, but under pressure.

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Interest rate hikes on bonds**.

The impacts are: 1. Shrinking the balance sheet.

Interest rate hikes will lead to a decline in bonds, so it is unfavorable for bonds, but if managers can respond in a timely manner, the short-term impact is relatively small; 2. In the long run, the coupon rate of bonds will increase after the interest rate hike, which can improve the return of the holding period of the bond**; 3. For investors who have purchased bonds, they first need to pay attention to the portfolio announced, if the manager has adjusted the investment varieties in advance, increased short-term bonds, reduced long-term bonds, and put the investment duration.

If the control is at a relatively low level, then there is no need for investors to redeem**; 4. For wait-and-see funds, interest rate hikes have many factors for the bond market to be bearish, and if investors can't hold bonds for a long time, they should be cautious about investing in bonds.

If it's the Federal Reserve.

The implementation of the policy of raising interest rates or shrinking the balance sheet will have little impact on the Chinese market's bonds**; However, if after the United States raises interest rates, our country is also forced to raise interest rates or shrink its balance sheet, it will have the above impact.

A rate hike is bad for bonds, because a rate hike causes bond rates to rise, oldBond yieldsLower than the new bond will make the bond bearish market, but the bond yield is determined by the interest rate and the bond**, and the bond interest rate is inversely proportional to the bond**, so even if the bond is in a bear market, the investor can still get some of the gain. Raising interest rates is also not good for **, because the purpose of raising interest rates is to recover funds and tighten the money market.

When there is less money in the market, it is disadvantageous to have no incremental money coming in**. Because when the interest rate is raised, the interest on the bank's savings increases, and everyone is willing to keep their money in the bank, so there is liquidity in the market.

There will be less and more money in the bank.

Therefore, a rate hike in the short term will result in a decrease in the existing bonds in the market, but if you can buy more bonds with the same amount of money, it will be beneficial in the long run, as the income from bonds will increase as the rate hike increases. Generally speaking, interest rate hikes can be divided into three time points. The early stages of interest rate hikes.

At this time, there are more low-interest rate bonds**. In general, it is not recommended to buy, it is not cost-effective. It is the mid-term phase of interest rate hikes.

At this time, there are more high-interest bonds and are more suitable for purchase, which will be more cost-effective.

In the later stage of interest rate hikes, the bond market.

In a state of volatility, you can take a wait-and-see attitude at this time. Interest rate hikes are bad for the bond market. Interest rate hikes will raise the expected yield on bonds, and the bond market will **will**.

As a result, interest rate hikes will lead to bond markets**. Bond yields are made up of two parts: yield and market**. Yield to Maturity = Bond Interest Income Capital Gains and Losses Bonds**.

When bond yields do not deteriorate during the maturity period, the bond** decreases as the maturity date of the bond approaches.

When bond yields fall over the course of the term, the bond will **will** as the maturity date of the bond approaches. Interest rate hikes will directly lead to an increase in bond ratesBonds**The revenue is mainly derived from changes in net worth and interest on bonds。Hence the Federal Reserve.

The rate hike will boost bonds to some extent, which is a positive factor. Bonds** are less volatile. When buying bonds**, investors are preferably long-term investors.

When the market is sluggish, they can consider allocating to some bonds** to avoid market risk.

It will lead to the bond market**, it will also affect the yield, and it will also affect the market**. It will affect the stability of the ** disturbance, and the hole may also allow investors to cover up the loss of some money.

The interest rate hike is undoubtedly aggravated, which is not good for the trading of the ** market. This situation will make the **** of the ****. The rate hike will also increase consumers' enthusiasm for bank deposits.

It will have an adverse impact on the bond market, and it will also lead to ****, we must be cautious when investing, after the US interest rate hike, it will have a lot of adverse effects, and the stability of my fish market will also lead to a rise in the market.

The impact is that interest rate hikes will affect bond-type**.

and expectations of future interest rate hikes will also lead to a decline in bonds**.

Therefore, in the short term, interest rate hikes will have a certain negative impact on bond**. However, through reasonable liquidity management, such as rolling holding highly liquid short-term bonds to obtain stable income, bond** can effectively mitigate the negative impact of interest rate hikes. In the long run, interest rate hikes are good for bonds, because they can increase the return of bonds.

For investors, they should pay attention to the portfolio announced by the bond type, if the bond type held by the first half of this year has significantly adjusted the investment varieties, increased short-term bonds, reduced long-term bonds, and put the investment duration.

At a relatively low level, there is no need for holders to redeem bonds** due to interest rate hikes. For investors who are ready to invest in bonds**, compared with bonds with a higher proportion of medium and long-term bonds**, bonds with a relatively high proportion of short-term bonds** are less affected by interest rate hikes and can still maintain a relatively stable yield.

Shrinking the balance sheet and raising interest rates will lead to a decline in bonds, so it is unfavorable for bonds, but managers.

If it can be responded to in a timely manner, the short-term impact is relatively small. In the long run, the coupon rate of the bond will increase after the interest rate hike, which can improve the holding period return of the bond**.

For investors who have already purchased bonds, first of all, they need to pay attention to the announced portfolio, if after the interest rate hike, the manager has adjusted the investment varieties in advance, increased short-term bonds, reduced long-term bonds, and controlled the investment duration at a relatively low level, then investors do not need to redeem**.

For money on the sidelines, interest rate hikes have a negative impact on the bond market.

There are many bearish factors, if investors can't hold bonds for a long time**, they should be cautious about investing in bonds**.

The impact of interest rate hikes is multifaceted, and a single positive and negative is inappropriate, because economic transmission has its own laws, and positive and negative can also be converted into each other.

However, in the short term, the interest rate hike is negative for the company, because the interest rate hike inhibits the asset, is the control of the overheated economy and high inflation, and the increase in loan interest increases the financing cost of enterprises, and the profit will also decrease, which will of course have an adverse impact on the company. You have also seen that raising interest rates may not be able to pull **down immediately, ** will go up again after a short adjustment, because it is currently in a phased bull market, and the more interest rates are raised, the more brutal the bull will be.

Asymmetric interest rate hikes only add interest on deposits and do not add interest on loans, which is definitely negative, because the bank's financing costs increase, on the contrary, only increase loan interest without deposit interest, which is good because of the increase in income. The reason why this interest rate hike is good is that there is no increase in demand deposit interest, and most of the banks are demand deposits, and the proportion of medium and long-term deposits is smaller, so the impact on costs is small, but the loan interest has increased, and banks have lent a lot this year, and of course the income has increased. From the point of view of interest rate hikes, the state has not suppressed banks, the main object of suppression is real estate, you see the tragic situation of real estate stocks after the interest rate hike, because they are specifically maintained by bank loans, and the interest rate hike is a catastrophe.

After the interest rate hike, the cost of funds is pushed up, and the bond yield is also **, that is, the bond in the hands of the person holding the bond is discounted, which you need to know the relationship between the bond ** and the yield. In addition, the interest rate hike is why, the economic recovery can be expected, is to control inflation more than expected, we are one is wait-and-see, may enter the interest rate hike cycle, there will be higher yield bonds in the future, and the economy is improving, investors will invest funds in more profitable ** and commodities, in the short term, the bond market is of course bearish. However, if the interest rate is raised this time, it will definitely attract the bond market**, and if the interest rate is raised continuously, the bond market can only continue to fall.