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Topic Summary

Posted by: 险资
« on: November 26, 2023, 05:19:49 AM »

长期公司债券基金

概述:公司有时通过向投资者发行债券来筹集资金,这些债券可以打包成债券基金,这些基金拥有可能由数百家公司发行的债券。

长期债券的平均期限为 10 年或更长,这使得它们在利率下降时成为更好的选择(预计 2024 年利率将下降)。

他们对谁有好处? 对于寻求现金流的投资者(例如退休人员或希望降低整体投资组合风险但仍能获得回报的投资者)来说,公司债券基金可能是一个绝佳的选择。 长期公司债券基金对于那些想要比政府债券基金更高收益率的规避风险的投资者来说可能是好事。

风险:与其他债券基金一样,长期公司债券基金不受 FDIC 保险。

公司总是有可能被信用评级下调或陷入财务困境和债券违约。 为了降低这种风险,请确保您的基金由高质量的公司债券组成。 然而,债券基金通常拥有许多不同公司的债券,从而降低了任何一种债券对您的投资组合造成很大损害的风险。

奖励:投资级长期债券基金通常为投资者提供比政府和市政债券基金更高的回报。 但更大的回报也伴随着一些额外的风险。

获取地点:您可以通过任何允许您交易 ETF 或共同基金的经纪商买卖公司债券基金。

大多数经纪商允许您免费交易 ETF,而许多经纪商可能需要佣金或最低购买量才能购买共同基金。

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