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市场震荡中的稳健之选：债券基金定投

近期国际贸易摩擦和关税变动等因素引发了市场震荡，投资者风险偏好明显下降，避险情绪上升 。在这种不确定环境下，许多投资者开始转向稳健的理财方式以求资产保值增值。债券基金作为以固定收益债券为主要投资标的的基金，以低波动和稳定收益的特点，正成为当前市场环境中的理财亮点。相比股市的大起大落，债券基金的表现相对温和，更适合作为震荡市中的避风港。我们不妨来看看债券基金的具体优势，以及如何借助定投策略和专业平台，让投资更加省心高效。

债券基金：低波动稳收益的优势

债券基金主要投资国债、企业债等固定收益产品，天生具有较强的稳健属性。近年来，债券基金市场规模不断增长，已成为投资者穿越震荡市的利器之一 。其主要优势包括：
• 波动低：债券基金受市场情绪影响较小，净值涨跌幅一般小于股票型基金和股票市场。这种较低的波动性让投资过程更平稳，投资者的心理压力也更小，不必天天担心净值大幅波动。
• 收益稳定：债券支付利息周期固定，因此债券基金能够提供相对稳定的收益回报。尽管牛市中债基收益可能不及股票基金，但在震荡或熊市中，其收益表现更具持续性。长期持有债券基金，有望获得稳健的利息收入和复利累积回报。
• 当前环境契合：在目前避险氛围浓厚的市场环境下，债券基金的优势更加凸显。它既能提供高于银行存款的回报，也能有效降低市场剧烈波动带来的资产损失风险，对于追求稳健的投资者来说是理想选择。

坚持定投：用时间平滑风险

选好产品后，采用定投（定期定额投资）的方式也是当前行情下的聪明策略。定投指的是在固定时间间隔（如每月）投入固定金额购买基金，不论市场涨跌都坚持买入。这样的策略可以帮助投资者平滑投资成本、降低择时风险 。在市场震荡时，定投能够做到“逢低多买，逢高少买”，长期来看平均了购买成本，减少了一次性投资踩在高点的风险。同时，坚持定投也是一种强制储蓄的方式，日积月累有望积少成多地实现资产增长。通过定投，投资者不用过度关注短期市场波动，用时间换取收益的平稳，提高了投资的纪律性和持续性。

第三方理财顾问平台的服务优势

除了选择合适的产品和策略外，投资的平台和服务也很关键。对于没有太多时间和专业精力的投资者来说，借助第三方理财顾问平台来进行基金投资能够达到事半功倍的效果。第三方理财顾问平台是独立于银行、基金公司等金融机构之外的财富管理机构，为客户提供一站式的理财咨询和交易服务。选择这类中立的专业平台，能够享受到以下服务优势：
• 产品多样： 第三方平台通常集合了众多金融机构的理财产品，基金种类齐全。从货币基金、债券基金到股票型基金，应有尽有，方便投资者一站式挑选，组合配置满足不同风险偏好和理财目标。
• 立场中立： 第三方平台不发行自有理财产品，也不代表任何单一金融机构，始终站在客户利益角度提供建议。平台通过客观分析客户的财务状况和需求，推荐真正适合的产品，避免了银行等渠道可能存在的倾向性销售 。这种买方顾问立场让投资建议更加公正、客观。
• 服务个性化： 专业的理财顾问会根据客户的风险承受能力、资产状况和投资目标，提供量身定做的理财规划方案 。从制定投资计划、选择具体基金，到后续定期跟进调整，第三方平台都提供贴心的咨询服务，让投资者省心省力。通过个性化的顾问服务，投资者可以更清晰地规划财务蓝图，及时调整策略，应对变化的市场。

总结： 在当下充满不确定性的市场中，债券基金凭借低波动、收益稳定的特点成为稳健投资的优选之一。通过坚持定投策略，投资者能够有效对冲短期波动，享受时间复利的累积优势。而借助中立专业的第三方理财顾问平台，则可以获得丰富的产品选择和贴心的个性化服务，为自己的投资保驾护航。在风云变幻的市场中，稳健理财并非遥不可及，只要选择合适的工具和伙伴，我们依然可以从容地实现财富的稳步增值。

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek unbiased financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

朱杰琳 Jolin Zhu

在我国，高净值人群对理财的需求日益增强，但大多数人面临理财知识匮乏的挑战。传统的理财机构，如私人银行和第三方理财公司，虽然在一定程度上满足了高净值客户的需求，但由于管理环节繁琐和效率低下，往往无法提供最佳的解决方案。此外，这些机构的理财经理受到销售业绩压力，可能会向客户推荐不适合的理财产品，这使得客户在理财过程中面临诸多痛点。 针对这一现状，我致力于提供全面、以客户为中心的独立理财规划服务，旨在解决高净值人群在理财中遇到的问题。我擅长的领域包括新加坡各类保险规划，退休规划、基金投资建议、房贷介绍、遗嘱及家族信托安排、家族办公室服务以及传承规划等。通过一站式服务，我能够为客户量身定制合适的理财方案，确保他们的财富能够得到合理配置和有效传承。 我的目标是帮助客户建立全面的理财规划体系，让每位高净值客户都能享受到专业、高效且透明的理财服务。

In China, the demand for wealth management among high-net-worth individuals is on the rise, yet many face the challenge of insufficient financial knowledge. Traditional financial institutions, such as private banks and third-party wealth management firms, partially meet the needs of high-net-worth clients. However, their complex management processes and inefficiencies often prevent them from providing optimal solutions. Additionally, financial advisors in these institutions may face pressure to meet sales targets, leading them to recommend products that may not be suitable for their clients, thus creating several pain points in the wealth management process.

In response to this situation, I am committed to offering comprehensive, client-centered independent financial planning services aimed at addressing the challenges faced by high-net-worth individuals in managing their wealth. My areas of expertise include various insurance planning in Singapore, retirement planning, fund investment advice, mortgage introductions, estate planning and family trust arrangements, family office services, and legacy planning. Through a one-stop service approach, I am able to tailor appropriate financial solutions for my clients, ensuring that their wealth is effectively allocated and preserved for future generations.

My goal is to help clients establish a comprehensive financial planning system, allowing each high-net-worth individual to enjoy professional, efficient, and transparent wealth management services.

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根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策