国联基金|债基小课堂：一图读懂债券基金的适合人群

Group 1 - Investors prioritize low risk and seek higher returns than bank deposits, with a preference for low volatility in bond funds compared to equity funds [2] - Investors with asset allocation needs utilize bond funds to create a balanced portfolio, reducing overall risk through diversification [2] - Investors with specific financial planning goals (1-3 years) prefer bond funds for their better liquidity compared to bank fixed deposits, allowing for easier redemption [2]