每日钉一下（基金也有分红，如何处理能让收益更好呢？）

Group 1 - The article highlights that most investors are familiar with stock index funds but have limited knowledge about bond index funds and their investment strategies [2] - A free course is offered to educate investors on how to invest in bond index funds, along with supplementary materials like course notes and mind maps for efficient learning [2] Group 2 - The article explains that mutual funds, including index funds, can receive dividends from the stocks they hold, which are then included in the fund's net asset value [6] - It differentiates between cash dividend models for exchange-traded funds (ETFs) and the option for cash or reinvested dividends for off-exchange funds [6][7] - The stability of dividends is emphasized, as they are primarily based on the operating performance of the underlying companies, rather than market conditions [6]