求稳优选！国泰鑫享稳健十问十答

Group 1 - A significant wave of over 50 trillion yuan in resident fixed-term deposits is set to mature in 2026, creating a dilemma for investors in a low-interest environment [1][30] - Investors are hesitant to move funds into the stock market due to volatility, leading to increased interest in "fixed income +" products among conservative investors [1][30] - The growth in the scale of rights-based bond funds and FOFs in 2025 indicates a market preference for diversified asset allocation to achieve stable returns [2][30] Group 2 - By the end of 2025, the total asset scale of public funds reached 376,309.11 billion yuan, with a growth of 52,359.32 billion yuan, marking a 16.2% increase [3][31] - Over 95% of rights-based bond funds achieved positive returns in 2025, highlighting "fixed income +" as a core strategy for low-risk capital seeking stable enhancement [3][31] Group 3 - The "fixed income +" strategy is characterized by using bonds as a "shield" for stable coupon income while capturing market growth opportunities through equities [4][32] - The "Guotai Xinxiang Stable" product is positioned as a low-volatility "fixed income +" fund, with at least 80% in bonds and a maximum of 20% in stocks [5][33] Group 4 - The historical performance of "Guotai Xinxiang Stable A" shows a cumulative return of 13.88% since manager Mao Liwei took over, outperforming the average of similar funds [11][39] - The maximum drawdown after strategy adjustments in May 2025 was only -0.47%, significantly lower than the average of similar funds at -1.66% [12][40] Group 5 - The fund manager, Mao Liwei, has 13 years of experience in securities and 10 years in investment management, focusing on risk-return balance and comprehensive asset allocation [15][43] - The fund's six-month rolling holding period is designed to enhance operational efficiency and investment experience for both managers and investors [16][44] Group 6 - The market outlook suggests slight fluctuations in the bond market, with stable funding support, while the equity market may see opportunities in the AI sector [17][46] - The fund's risk control measures include a multi-dimensional risk management system, focusing on high-grade credit bonds and diversified equity holdings [19][47] Group 7 - The "Guotai Xinxiang Stable" product is suitable for investors with idle funds seeking stable returns above money market funds and bank wealth management products [20][48] - It is also appropriate for risk-averse investors who cannot tolerate significant equity market fluctuations and prioritize capital preservation [21][49]