急急急！手里的纯债跌了，该如何调理？

Core Viewpoint - The article emphasizes that both stock and bond markets are subject to volatility, and even low-risk pure bond funds can experience declines. It suggests a three-step approach to manage bond market fluctuations and maintain a balanced investment portfolio [2]. Group 1: Understanding Bond Market Volatility - The article highlights that the China Bond Index has shown a cumulative increase of 27.27% over the past five years, with an annualized volatility of only 1.48% and a maximum drawdown of 2.01%, indicating the low volatility characteristic of bond assets [7]. - It notes that despite short-term fluctuations, historical data shows that the bond index has consistently recovered and trended upwards over longer periods, suggesting that investors should maintain a long-term perspective [7]. Group 2: Market Changes and Investor Behavior - The article points out that the A-share market has been performing well, with the Shanghai Composite Index surpassing 3600 points as of July 29, 2025, while the bond market has faced pressure due to rising yields and investor sentiment shifting towards equities [9]. - It discusses the "stock-bond seesaw" effect, where investors tend to redeem bond funds to invest in equities during bullish market conditions, highlighting the need for careful consideration before making such moves [9]. Group 3: Strategies for Investment Allocation - The article advocates for a "Fixed Income Plus" strategy, which allows investors to balance both stock and bond assets without having to choose between them, thus reducing the stress of market timing [12]. - It compares the performance of "Fixed Income Plus" funds with pure bond funds and equity funds, indicating that the former has shown better performance in a rising equity market while maintaining lower volatility than pure equity funds [13]. - The article suggests that investors should consider their risk tolerance and portfolio allocation before making decisions, especially in a fluctuating market environment [17].