Recently, the bank's fixed income financial management losses have become a hot search. To be honest, I also have a part of my funds in fixed income management. This part of the funds is actually something I don’t use very much in my usual way, but it seems that it may be useful in the near future. I was indeed a little surprised to see that even it had lost something.
Since the regulatory authorities introduced new asset management regulations and informed Tianxia Financial Management that there has indeed been a very small number of financial management in some banks that have fallen below their net value during some time periods, but this is not a common phenomenon. This time, almost all banks' fixed income wealth management has fallen to a greater or lesser extent. As of November 18, 1,500 financial management subsidiaries had a cumulative unit net value of 1, and 5,700 financial management companies had a negative yield of .
In addition to bank fixed income wealth management, bond funds, as one of the most important investment targets for bank fixed income wealth management, naturally also fell significantly. Whether it is fixed income wealth management or bond funds, they all fall rapidly, and the decline occurs in these few days. Why is this happening to
? There are many analyses in the market. The more mainstream is the tightening of liquidity, and the market interest rate of has begun to increase, especially the 10-year treasury bond interest rate has risen from 2.6% to 2.85%. When market interest rates rise, bond prices will fall.
I want to talk about some of the connections between bond and stock .
Whether you invest in stocks or not, I believe you will have learned more or less that the stock market has been very bad in the past six months. If you were a stock investor, would you put your money into the stock market? If your answer is “yes”, then you will experience multiple blows of your mood.
3700 points fell to 3500 points. You think this position is not low, wait. When 3500 points falls to 3300 points, you still feel that it is not low enough, so you have to wait. When it falls to 3,000 points, you think this should be the bottom, after all, it has fallen by nearly 20%. After buying, you think it will rise. Unexpectedly, the index continued to fall, first reaching 2900 points, and then to 2800 points. In the future, started to rise at point, reaching 3300 points. You thought spring was coming, so you increased your bargaining chips. Unexpectedly, it fell back to 2800 points again. Are you still willing to enter such a dangerous stock market as
? I believe a considerable number of investors will not enter. So the question is, what should they invest in if they don’t invest in the stock market?
In fact, except for stocks, Fund and bank wealth management, most investors know nothing about other ways of investing and financial management. So where will they put their funds? It is obvious that bond funds and bank wealth management have taken over most of the funds.
Then the stock market has improved now, and the double bottom has almost been built, and the probability of subsequent rise is relatively high. Will these funds that have escaped from the stock market return to the stock market? As more bonds are sold, the bond price will drop and the net value of bond funds will also drop.
The stock market and bond market are often a seesaw, so I think the improvement of the stock market is one of the direct reasons for the decline in the net value of bond funds and even banks' wealth management.
What should I do next? If you are not in a hurry to use money, you can wait. The prerequisite for the improvement of the stock market is the improvement of the economy. The direct effect of the improvement of the economy is the abundant capital. In addition, , the central bank will continue to release liquidity, and the bond trend will be repaired.
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