固收+，通常有这3个特点｜投资小知识

Group 1 - The core viewpoint of the article emphasizes the characteristics and advantages of "fixed income +" products, which leverage the negative correlation between stocks and bonds to reduce volatility risk and achieve better long-term returns [2][3][4]. Group 2 - Characteristic 1: Negative correlation between stocks and bonds, where stock market surges typically lead to underperformance in bond funds, and vice versa [3]. - Characteristic 2: The short-term performance of "fixed income +" products is more influenced by the stock component due to the larger fluctuations in stock prices compared to bonds [4][5]. - Characteristic 3: The decline in deposit interest rates enhances the appeal of "fixed income +" products, as traditional deposits offer low returns, with one-year fixed deposit rates dropping below 1% as of May 2025 [6]. Group 3 - The influx of funds into "fixed income +" products is expected as a significant portion of maturing funds from previous loans will not remain in deposits or enter the stock market, thus driving growth in this category [8].