First of all, it is clear that the United States is a developed country after all, and it is impossible for the US dollar to raise interest rates higher than the RMB interest rate, so don't think about the interest rates of various domestic babies and P2P. In the American bond market, if you want to get high returns, you can only take high risks.
There are many bond ETFs in US stocks, including government bonds, corporate bonds, junk bonds and so on. You can choose the one that suits you according to your risk preference.
(1) The "US stock balance treasure" with the lowest risk.
Something similar to domestic Yu 'ebao is also available in US stocks, which is equivalent to a money fund. When you buy these money funds, it is equivalent to lending your money to the most liquid banks and financial institutions, so the risk is minimal, but the interest rate is also very low.
I chose the three largest, most famous and best performing companies in the past few years: Mint, Neil and GSY. Their total returns (plus interest income) in recent years are as follows:
Mint and NEAR are very similar. They are in direct competition. They often chase after each other, and the output is neck and neck. And GSY is a rising star, and its return in recent years has surpassed that of the top two bosses.
Popular science This is because the bonds it holds are short-term (), and short-term bonds are less affected by interest rate hikes. More precisely, it depends on the average duration of bonds held by funds. The shorter the duration, the smaller the interest rate risk. This involves professional concepts, so I won't expand it here.
If you just want to buy some goods with spare money, these three are enough. Liquidity is not a problem.
② Bond ETF linked to inflation
Now that inflation in the United States is rising gradually, the preservation of the dollar should be in full swing. If you don't want to buy commodities that fluctuate too much to hedge inflation, you can choose this inflation-linked bond ETF.
The face value of popular science bonds is adjusted according to the inflation rate of the year. For example, bonds with a face value of 100 will become 102 this year, and then interest will be paid at a fixed interest rate. The specific calculation will not be expanded.
Inflation in the United States has been very low in recent years, so the return rate of this ETF is not high. If you want to hedge against future inflation, you can choose:
The risk of this proposal is that when the economy falls into deflation, bonds will shrink with it. If you look at the picture, it has fallen. It is the financial crisis (2008) and inflation is very low.
③ The necessary artifact for raising interest rates-floating interest rate bill ETF.
As we all know, the law of bond price falling with the increase of yield. Raising interest rates by the Federal Reserve will increase bond yields and reduce bond values.
You can understand it this way: the market interest rate is 2%, then the bond with a yield of 2% is the normal level. The market interest rate will become 3% because of the interest rate increase, and bonds with a yield of 2% will be sold, and the price will naturally be low. (this is just a popular meaning, and professional logic does not expand. )