其他回答(共1条)

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  2020-12-21 10:14 赵飞虹 客户经理

  以国债、金融债等固定收益类金融工具为主要投资对象的基金称为债券型基金，因为其投资的产品收益比较稳定，又被称为“固定受益基金”。根据投资股票的比例不同，债券型基金又可分为纯债券型基金与偏债劵型基金。两者的区别在于，纯债型基金不投资股票，而偏债型基金可以投资少量的股票。偏债型基金的优点在于可以根据股票市场走势灵活地进行资产配置，在控制风险的条件下分享股票市场带来的机会。
  一般来说，债券型基金不收取认购或申购的费用，赎回费率也较低。
  债券基金有以下特点：
  （一）低风险，低收益。由于债券型基金的投资对象——债券收益稳定、风险也较小，所以，债券型基金风险较小，但是同时由于债券是固定收益产品，因此相对于股票基金，债券基金风险低但回报率也不高。
  （二）费用较低。由于债券投资管理不如股票投资管理复杂，因此债券基金的管理费也相对较低，目前我国债券型基金的
  （三）收益稳定。投资于债券定期都有利息回报，到期还承诺还本付息，因此债券基金的收益较为稳定。
  （四）注重当期收益。债券基金主要追求当期较为固定的收入，相对于股票基金而言缺乏增值的潜力，较适合于不愿过多冒险，谋求当期稳定收益的投资者。
  To treasury bonds, financial bonds and other fixed-income instruments such as the main investment fund known as bond funds, investment products because of their relatively stable earnings, also known as the "fixed benefit fund." According to the proportion of different stock investments, bond funds can be divided into pure bond funds and partial Bonds Fund. The difference between the two, not pure debt funds in the stock market, and partial debt funds can invest in a small number of stocks. Partial debt funds in accordance with the advantage of the stock market movements can be flexibility to asset allocation, risk control conditions to share the opportunities offered by the stock market.
  In general, bond funds do not charge subscription or purchase, the cost of the redemption rates are lower.
  Bond Fund has the following characteristics:
  (A) low-risk, low income. As bond funds, the investment target - bond yields stable, the risks are also smaller, therefore, less risky bond funds, but because the bonds are fixed-income products, relative to equity funds, bond funds low-risk but not the rate of return high.
  (2) lower cost. As bond investment management managing complex than equity investments, bond fund management fees are relatively low, our country's bond funds
  (C) income stability. Invest in regular bonds have interest returns, due also committed to debt service, and therefore the bond proceeds fund more stable.
  (D) focus on current income. ABF mainly seeking more current fixed income, compared to equity funds in terms of the lack of value-added potential, in not too much more suitable for adventure, the current stability of income for investors.