Everyone can participate in low-risk products with a profit of 10%!

Recently, many fans found Zuo Ge and said that P2P didn't dare to vote, and lufax didn't have a name. Are there any other good products with low risks and high returns to buy?

One of Zuo Ge's suggestions is to participate in new debts, that is, to buy newly issued convertible bonds.

In recent two years, convertible bonds have become more and more popular. Mainly there is no threshold and the risk is low. Small white investors can participate and dare to participate.

Brother Zuo has a new income from convertible bonds recently, and he also keeps it? 10%? The convertible bond market has performed well recently. ?

This is related to the global market chasing bonds. In some overseas countries, bonds have negative interest rates. For security reasons, funds squeeze into relatively stable assets, which in turn raises bond prices.

Zuo Ge's statistics show that some convertible bonds have entered a new form of income in the past three months:

If it is a closing sale, the average income on the first day is above 10%; If you sell it in the market, you can earn more.

In addition to external factors, convertible bonds are often synchronized with the A-share market. The following is the convertible bond index compiled by Lu:

Equal weight index of Lu convertible bonds

If you are a stock trader, you must know that the lowest point in the market last year was around10,2500 (the convertible bond index was similar), and the price of many convertible bonds fell to 70-80 yuan. As a result, many of them have gone up 100 this year.

Of course, long-term investment in convertible bonds is relatively risky. I recommend Xiaobai's strategy is to only make convertible bonds and make new ones (so the risk is low), that is, to buy convertible bonds to be listed and sell them on the first day of listing. ?

Moreover, if there is new income recently, you can definitely outperform most wealth management products. The key is that the risk is very small, and all you have to bear is a little risk of breaking.

Even if it is broken, the loss of a single convertible bond is usually within 2%, and the first signing will lose tens of dollars. I think most people can accept it.

? One? ? What is a convertible bond?

Seeing this, many old irons may vomit: Zuo Ge, didn't you say that the risk is low? What if you really lose money?

Don't forget, convertible bonds are bonds themselves. Even if it falls all the way after buying, it is a big deal to keep it due and reap the principal interest.

Moreover, not all companies have the right to issue convertible bonds, which not only requires continuous profits in the last three years, but also requires the average return on equity in the last three years to be above 10%. ?

Those who meet this condition are definitely good students of A shares. So far, Zuo Ge has not seen the phenomenon of overdue convertible bonds. In the current market, the cost performance of new debt is relatively high. ?

Considering that some friends haven't heard of it, let's briefly explain that convertible bonds are a low-risk investment tool and can be bought and sold with stock accounts. Very simple, it is "bond+call option". ?

That is, bonds issued by listed companies+share conversion rights of future listed companies, including both "debt" and "shares". It also has the characteristics of "guaranteed bottom and not capped", which is equivalent to the guaranteed stock.

In other words, convertible bonds are a form of corporate bonds issued by listed companies.

A listed company is optimistic about a project and needs money to invest, so it issues corporate bonds. Later, when the project made money, the listed company said to the creditors: Our company is doing well. Why don't you think about the money you borrowed before, and don't worry about business, just sit at home and wait for dividends.

The creditor's father certainly wouldn't do that. I obviously borrow money to collect interest, so I can't be a shareholder.

So the listed company made an agreement: in the next five years, at any time, as long as you say a word, you can exchange the money for shares and enjoy dividends; If you haven't exchanged shares with me after five years, I will still pay you back with interest and principal at the corporate loan interest rate.

This is a convertible bond, and you can choose a bond that is converted into equity. Since convertible bonds have so many advantages, do they have any disadvantages?

Of course, you can't see the pleasure of earning XX yuan today like P2P. There may also be a state of loss, but as long as it is held until maturity, it will not lose money, just afraid that everyone can't stand the suffering of the loss period. ?

Correspondingly, the biggest advantage of convertible bonds is that they will not run away like P2P, and there will be no principal overnight.

? Two? ? Is the new threshold for convertible bonds low?

A-shares need a bottom position to play new ones, and Hong Kong stocks need to raise funds to play new ones. The biggest advantage of convertible bonds is "draw lots first, then pay them".

For the specific steps of issuing new bonds, you must first have a securities account. Take Huatai Securities as an example, and find the new bonds to be issued according to the following operations.

Convertible bonds, like stocks, are subject to T+0 trading.

The way to buy is also very simple, just like we buy stocks. Just enter the convertible bond code directly at the opening and click Buy.

Each account shall subscribe for at least 1 lot = 10 (each lot 100) and at most 1000 (10000 = 100w).

Because you sign the new debt first and then pay the money, you pretend that you have 100w and go to the top to buy it, which will improve the winning rate. Don't worry, you won't win all the prizes, usually just one or two. ?

Usually on the second trading day, you will receive the winning text message, and you can complete the payment before 4 pm that day, and then you can see the convertible bond in the stock position.

Convertible bonds will take a period of time from subscription to listing, about two weeks, and brokerage software will remind them before listing. ?

You can buy on the same day and sell on the same day. There is no price limit, and the top is not capped, and the bottom is guaranteed. Suitable for stable investors who don't want to take too much risks and want to make a fortune in the stock market.

Want to make a little money, sell it on the day of listing. Long-term investment is ok, but it is better to choose stocks. Once the stock corresponding to convertible bonds rises sharply in the follow-up market, the debt price will also rise sharply, and it will be ok to sell it directly.

However, this requires a little technical content, and the novice can sell the bag on the first day. In short, convertible bonds are rich second generation with no guarantee. Old irons who want to try the stock market and are afraid of risks can try it. ?

Most convertible bonds can adopt a super-simple strategy: only sell above 130, and only buy below 100 without selling.

PS: Remember to pay after winning the lottery; Failure to pay will affect subsequent eligibility; The new GEM debt should go to the brokerage counter to open the GEM authority, and the main board does not need it.

Playing a new account with the same name will not improve the winning rate. To improve the winning rate, you can open more accounts with your family's ID card.

? Three? ? How to choose convertible bonds?

The most basic method: in the "preparing convertible bonds" on the website of "Thought Exchange", check the "ratio of current price to conversion price" and "rating" to make a general judgment.

Land website: /data/cbnew/#pre

Generally, the "current price converted stock price" is more than 95%, and the "rating" is at least above AA, so new debt can be considered.

Brother Zuo also added here that apart from making new bonds, there is another way to make more money: when the convertible bonds fall below 100 yuan or even 70 80 yuan, we buy them. ?

Because it means spending 70 yuan to buy a convertible bond, not only can you get the agreed interest at maturity. You can also earn the price difference of 100-70 yuan, and the actual investment value will become higher.

But not so good. Every time 70 yuan has convertible bonds. Brother Zuo watched it not long ago. Jiuqi's cheapest convertible bonds are all 9 1.995, and the rating is only A+. How to choose?

You can look at these indicators:

:: Insurance rates; 0% * Rating above AA * Listed for half a year * Removed exchangeable bonds.

Specific operation: firstly, open the website of Shandong: /data/cbnew/#cb, and enter "premium rate < 20%" and "yield to maturity >; 0% ",and remove the" exchangeable debt ". ?

Then, click the triangle symbol above the score, and it will be sorted according to the score. If the premium rate is in gray font, it means that it has been listed for less than half a year, so if the gray font is removed, the rest is of better quality.

There are two knowledge points to tell you:

Why should we eliminate convertible bonds that have been listed for less than half a year?

Since convertible bonds have been listed for less than half a year, the price will not go up for a while. In order to make everyone wait less than half a year, so we eliminated it.

Why exclude exchangeable bonds? ?

Because exchangeable bonds are not as good as convertible bonds. Because exchangeable bonds are the shares of shareholders of listed companies and other companies held by issuers; Convertible bonds are new shares issued by listed companies and issuers themselves in the future. Remember, when making new ones, don't treat exchangeable bonds as convertible bonds!

In addition, people may not be able to buy all the screened convertible bonds at once, so they will choose the most cost-effective convertible bonds according to their own financial situation.

Let's talk about the skills of investing in convertible bonds:

When the market is good, insist on issuing new bonds and selling them on the first day of listing; When the market is bad, buy convertible bonds sold at a low price below 100 yuan.

Finally, I would like to remind you that although convertible bonds are low-risk varieties, if you choose to convert them into stocks, the risk is equivalent to stocks.

Generally speaking, convertible bonds bought at a relatively high level in the market just catch up with the adjustment of the market one month later, and the probability of loss is high.

On the contrary, if you buy convertible bonds at a low market level, the market will just rise one month later, and the chances of making money will be even greater.