追求流动性与收益性兼备 工银尊享短债债券成多元配置优选

Core Viewpoint - Short-term bond funds, exemplified by ICBC Credit Suisse's "ICBC Enjoy Short-term Bond Fund," have gained attention from investors due to their stable returns and low volatility in the context of increasing demand for diversified asset allocation [1][2]. Group 1: Short-term Bond Fund Characteristics - Short-term bond funds invest in bonds with shorter durations, typically of higher credit ratings and good liquidity, making them suitable for risk-averse investors or those with short-term capital needs [1]. - As of June 9, 2025, the maximum drawdown of the Wind Short-term Pure Bond Fund Index was only -1.32%, with a recovery time of just 33 days, compared to -4.01% and 151 days for the medium to long-term pure bond index [1]. Group 2: Performance of ICBC Enjoy Short-term Bond Fund - The ICBC Enjoy Short-term Bond Fund has demonstrated strong performance across various time frames, outperforming its benchmark by 0.24% over the past six months and 0.35% over the past year, with net value growth of 1.18% and 2.35% respectively [2]. - Over longer periods, the fund's returns were 8.28% over three years, 14.54% over five years, and 19.88% since inception, consistently exceeding benchmark returns by 1.09%, 1.87%, and 2.78% respectively [2]. Group 3: Investment Strategy and Team Expertise - The fund's management team emphasizes risk control and has adjusted the portfolio by gradually reducing long-term interest rate bonds while managing duration exposure [2]. - ICBC Credit Suisse has built a comprehensive research and investment system, focusing on stable, value, and long-term investments, which has led to numerous awards for its fixed-income products since its establishment in 2005 [3][4].