wholesale jewelry from egypt The current bond fund is better or the currency fund is better

online wholesale jewelry stores Good bond funds. 1. Different investment scope. This is the biggest difference between bond funds and currency funds. Bond funds refer to funds that are mainly invested in bonds. Currency funds, the currency market fund, refer to funds invested in the currency market tools.
Surprisingly, the investment targets of bond funds are mainly various types of bonds, including corporate bonds, government bonds, corporate bonds, convertible bonds, and so on. Generally, more than 80%of fund assets invest in bonds are called "bond funds". If the fund is 100%invested in bonds, it is also called "pure debt fund".
The money fund can only invest in the currency market tools. The currency market tools mainly refer to short -term tools with less than one year, including large deposit orders, central bank bills, bond repurchase, and so on. Monetary funds can also invest in bonds, but the requirements for bonds are high. Generally, bonds with the remaining term within 397 days. Investment in corporate bonds requires that the credit rating is above AAA.
This funds cannot invest in high -risk products such as stocks, convertible bonds, and low credit rating.
2. The applicable population is different. The risk of bonds is relatively low, so bond funds are generally considered to be investment instruments with moderate income and risks. The risk of currency funds is lower, and the liquidity is good, but the long -term yield is low. The most common currency fund is Yu'ebao, and the current yield is about 4%. It can only be used as a place for temporarily stored funds. The long -term yield is low, which is not suitable for long -term investment.
The expansion information:
. It is better to buy bond funds or currency funds
1, Monetary Fund Monetary Fund has high requirements for the credit level and liquidity of the investment target, mainly invested in the currency market instrument, For example, bonds, central bank bills, etc., have the advantages of high safety and strong liquidity. However, the expected return rate is a low category in wealth management products. "".
2, bond fund bond funds can also be divided into pure bond funds, first -level bond funds, and secondary bond funds. Among them, pure bond funds refer to funds that specialize in bonds. Some of the first -level bond funds and secondary bond funds have some assets invested in stocks. The main body of bonds in my country is mainly based on the central government, local governments and financial institutions. The risk of bond default is low. Therefore, the risk of bond funds is lower than the first -level bond funds and secondary bond funds, but it is slightly higher than the currency fund.
. Bond funds and currency funds are suitable for short -term holding
1. Monetary funds generally do not purchase and redemption costs. The funds are strong. Short -term financial management. And because the expected yield of the currency fund is too low, it is not recommended to hold the warehouse.
2, most of the bond fund purchase and redemption requires certain handling fees, such as redemption fees, sales service fees, etc. The longer the holding time, the lower the handling fee rate. And the expected income of short bond funds is short in the short term, and long -term holdings are more prominent than currency funds, so bond funds are more suitable for long -term holding.