固定收益投资的风险如何?

来源:维思迈财经2024-06-18 15:02:56

在当今风云变幻的金融市场中,固定收益投资一直备受关注。作为一种相对低风险、稳健回报的投资方式,固定收益产品吸引了众多投资者的目光。然而,在追求稳定回报的同时,我们是否忽略了固定收益投资所携带的潜在风险呢?

**利率风险**

首先要提及到的是利率风险,这是影响固定收益证券价格波动最主要因素之一。当整体经济环境发生改变时,央行会调整基准利率以应对通货膨胀或经济衰退等问题。这就导致债券面值与市场息票利率产生背离,并进而影响债券价格。

**信用风险**

其次,则是广为人知且不可忽视的信用风险。“高杠杆、高回报”诱惑下企业可能选择通过发行公司债来筹集资金;但随着宏观环境恶化或公司内部问题暴露,“爆雷”现象频繁出现成为常态。

**流动性食物**

此外还有流动性危机——尤其表现得更加明显:很多长期持有类理财产品不能像活期存款那样灵活取钱;如果遇上紧急情况需要赶紧套现支付账单仅能眼巴巴看着本该属于自己手里辛苦攒下来“被锁”的银子们无计可施。

**汇率和政治事件**

除此之外, 汇率和政治事件也将给固定收益投资带来额外压力 - 当国家间关系恶化甚至形成战事时, 投资组合价值很容易受到损失; 而突如其来地区域局势剧变也许意味着原打算安全放置好久没管过头寸已处于颓势...

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风险 固定收益投资

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