When the market is depressed, the fund will inevitably fluctuate, but we can't predict the market trend, so there is no way to avoid risks perfectly.
In the turbulent market, many investors have paid a lot of time, energy and capital cost for fear of fund fluctuation, but the results are often unsatisfactory or even counterproductive.
The investment fund market should avoid short-term speculative mentality, because frequent chasing up and down due to temporary fear or greed often does not have good investment results.
In the volatile market, if your fund income is not ideal and there is a big loss, you can't accept this loss calmly. Then you might as well consider buying some other funds to hedge risks and make up for some losses. For example, funds that are more suitable for fixed income and strategy at present.
To avoid risks, and to reduce risks as much as possible and obtain certain benefits, fixed income+products is a very good choice.
From the perspective of asset allocation, fixed income+fund is a universal product. Fixed income+fund can well adapt to the seesaw effect of the stock and bond market, achieve relatively stable performance in the volatile market, have good resilience in the bear market, keep up with the market rise in the bull market, and have both offensive and defensive capabilities.
Fixed income+fund is especially suitable for stable investors. If the overall risk appetite is low, it is best not to lose money in the investment process. Earn what you can. Fixed income+fund can basically meet this kind of demand.
In the turbulent market node, "fixed income plus" is not only a product strategy, but also a scientific and mature asset allocation idea.