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Group 1 - The core viewpoint of the article highlights the rapid growth of non-FOF products in the "fixed income plus" market, with a call for relaxing the investment ratio limits to better meet investor needs and further promote market development [1][5][8] - As of the end of Q3 this year, the market value of non-FOF products investing in public funds exceeded 3.418 billion, representing a year-on-year growth of 381.81% [2][8] - The number of non-FOF products investing in public funds reached 48, with a 29.73% increase compared to the same period last year [2][8] Group 2 - Industry experts believe that these innovative products significantly promote the development of the "fixed income plus" market by introducing diverse strategies and professional research capabilities [3][4] - The investment in public funds helps to stabilize net value curves and enhances the attractiveness and stability of products, especially during periods of high individual stock uncertainty [3][4] - There is a growing consensus in the industry to raise the investment limit for non-FOF products from 10% to between 15% and 20% to better accommodate diverse investor needs [5][6][7] Group 3 - The flexibility of asset allocation is limited by the current 10% investment cap, and increasing this limit could enhance the yield elasticity of "fixed income plus" products while keeping risks manageable [6][7] - The growth of secondary bond funds has been significant, with a 84% increase in scale this year, indicating a shift towards fund-based participation in the equity market [8][9] - Suggestions for future development include expanding the investment scope to include Hong Kong stock ETFs and convertible bond ETFs, as well as optimizing fee structures to lower investor costs [8][9]