創造被動收入：買債券基金定債券好？
想入手穩定收益產品，應該直接買債券，定買債券型基金呢？
其實呢兩種方法都可以行使投資者擁有標的債券嘅所有權，只係前者直接持有，後者通過基金嘅方式間接持有，睇起嚟分別唔大，但係後者卻比較適合多數投資者。
三大原因：
1.更分散化，風險低。
債券型基金一般唔會全倉一款債券，而係分散持倉多個債券，分散化嘅好處就係可以避開某一類債券產生嘅極端損失，就同買指數基金相對買個股嘅優勢係一樣嘅。
2.專業基金管理人
基金有基金經理進行管理，而基金經理相比一般投資者專業，大部份目標資產掛鉤嘅基金收益往往會高於目標資產本身嘅收益。
3.成本低 一般嚟講，買基金之費用要遠遠低於直接買債券，目前很多債基都係申購和贖回全部0費率，並且收益數據展示亦係扣除過去年化息率1%管理費後嘅數字，所見即所得。
投資涉及風險，過往表現並不反映未來回報。老虎證券對資訊準確性、完整性、及時性不做擔保，並不構成任何投資建議和意見。債券投資面臨一定的風險，包括但不限於違約、評級下調、流動性和外匯風險等。投資者在做出投資決定前, 應詳細閱讀相關發行文件並仔細考慮閣下的投資目標及風險承受能力, 並諮詢獨立第三方專業意見。
Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.
三大原因：
1.更分散化，風險低。
債券型基金一般唔會全倉一款債券，而係分散持倉多個債券，分散化嘅好處就係可以避開某一類債券產生嘅極端損失，就同買指數基金相對買個股嘅優勢係一樣嘅。
2.專業基金管理人
基金有基金經理進行管理，而基金經理相比一般投資者專業，大部份目標資產掛鉤嘅基金收益往往會高於目標資產本身嘅收益。
the difference is - only the former is directly held, and the latter is intermittently held through the fund. however, the latter is more suitable than the investors.
important that when making the decision on investment, investor should read the documents issued and test the investment target and wind bearing capacity under the threads, and stand alone with the third-party expertise.
@HelenJanet @GoodLife99 @Universe宇宙 @rL @Aqa @LMSunshine @koolgal @Shyon @DiAngel
If you want to start with fixed-income products, you should pay for direct coupons and fixed-coupon funds?
come comment and win coins [smile] [smile] [smile]
我個人會再配搭上房地產信托基金及指數ETF，進可攻退可守！