什麼是債券？
債券是政府或公司為向投資者集資而發行的債務工具。當你買入債券，即是把資金借給政府／公司，以換取定期利息（通常每年兩次）及到期時收回本金。債券價格與利率息息相關。當利率上升，現有債券的價值往往下跌，因為新債券提供較高回報；當利率下降，現有債券更具價值，因為新發債券支付的利息較低。
什麼是 ETF？
ETF（交易所買賣基金）是在證券交易所像股票般買賣的投資基金。它們通常追蹤某個指數、商品、債券或一籃子資產，讓你無需逐一買入也可即時分散投資。市場開放時你可隨時買賣 ETF 單位；ETF 價格會因單位本身的供求，以及相關資產的價值而波動。
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