What is fixed income+? Fixed income+Can I buy it?

Fixed income+” What exactly is a product?

Fixed income+”Yes2019The background of the emergence of new things in the first quarter of the year is that with the introduction of new asset management regulations, RMB wealth management products are facing net worth transformation. The so-called "fixed income+”It is to provide basic returns with fixed income assets, and moderately increase the portfolio return elasticity through assets such as stocks, bonds, and convertible bonds while controlling volatility. Since the beginning of this year, the global market has been in constant turmoil. Regarding the "fixed income+” More and more inquiries, marked as' fixed income '+”The strategic products have also been unveiled to investors one after another, becoming a "new internet celebrity" in the fund industry.

Fixed income+”Refers to an investment strategy in which products typically use bond assets as their bottom positions to strive for stable returns“+”The portion of the risk is slightly higher than that of aggressive assets or strategies in bonds, such as stocksstock market indexfuturesConvertible bonds, new investments, asset allocation strategies for major categories, quantitative hedging, etc., used to gain higher returns.

“+Stocks "are based on bonds, and then stock assets are allocated. Dynamic adjustments are made to stocks and bonds, such as moderately increasing the proportion of stock assets during a rising stock market, and then lowering the proportion after the market ends. “+Convertible bonds "have the characteristic of" having a bottom guarantee and no top limit ". When the market falls, configuring convertible bonds can not only earn coupon but also earn rising returns when the bull market rebounds. The common products of these two strategies are secondary bond bases, which not only strive for bond base returns, but also rely on“+”Part of the investment is in stocks, convertible bonds, and other assets to increase elastic returns, and can be achieved based on market conditions, with the ability to move in and out.

“+Stock index futures can hedge bottom position risks and accumulate good returns when there is an arbitrage opportunity between futures and spot basis. It can be called 'Da Xin'AThe sweet cakes in stocks have a high degree of certainty in returns after winning the lottery. In funds, through this“+The "strike new" strategy is mostly focused on mixed bond funds. “+The "major asset allocation strategy" is to build a lower volatility portfolio with fixed income funds as the main component and equity funds as the auxiliary component.

What kind of investors are suitable for fixed income+”?

If you want to minimize risks as much as possible while obtaining high certainty returns, then "fixed income+”It should be one of the choices that cannot be missed in the current wealth management market, especially for risk averse investors, who can also obtain higher returns than investing in monetary funds or bank deposits.

For investors who are more conservative and conservative, 'fixed income'+”The products of the category are worth paying close attention to, with fixed income asset investments as the main focus, and the expected risk is relatively much smaller. since2018After the "New Regulations on Asset Management" in, banks' newly convertible wealth management products gradually shrank, and wealth management products also tended to become net worth. There is no longer a saying of "principal and interest guaranteed", compared to "fixed income+”Class products also have certain liquidity advantages.

For investors who have a liquidity demand for investment funds, they will use them in the short term, such as6After about a month, if you want to purchase something or a project, the investment goal for this fund may be "it's best not to lose money and try to earn some income". Therefore, configure an open operation of "fixed income+”Similar products are relatively good choices.

For investors who mainly focus on biased funds in their current investment allocation, it is also possible to consider supplementing fixed income appropriately+Class of products to achieve the goal of balancing account risk. This is also in line with the current concept of rational asset allocation. There are too many stock assets in the account, filled with some bond assets and other stable assets. Although they may be aggressive players in investment style, they are not likely to suffer significant losses during the bear market.

Summary

There are risks to investing, although the main focus is on pursuing stable returns“+”The portion of risk assets or strategies that enhance returns may experience certain fluctuations, as evidenced by significant fluctuations in markets such as the bond or stock markets+”There may be periodic adjustments, and it is not ruled out that there may be losses for a period of time, but overall, its profits are expected. For investors, it is advisable to consider increasing risk tolerance, bearing corresponding risks, extending holding periods, and choosing high-quality products to strive for higher long-term elasticity and stable returns. I hope to purchase fixed income from private equity funds+Investors of products can go to private placement websites to find products that do not charge subscription fees, which can save a lot of money.