每日钉一下（如何制定定投策略？）

Group 1 - The article emphasizes the importance of understanding bond index funds, which are less familiar to most investors compared to stock index funds [2] - A free course is offered to educate investors on the investment methods for bond index funds [2] Group 2 - The article discusses how to formulate a systematic investment strategy, particularly through dollar-cost averaging in index funds [6] - It highlights that the specific timing and frequency of investments in a systematic strategy are not critical, as long as investors choose a schedule that suits them [8] - The long-term nature of systematic investing, typically spanning 3-5 years, means that short-term price fluctuations have minimal impact on overall returns [8][9] - It advises against changing the investment schedule based on market conditions, as this can undermine investment discipline [10] Group 3 - The article suggests that the amount allocated for systematic investment should be funds that are not needed for 3-5 years, to avoid financial strain [11] - A survey indicates that a common practice for general investors is to allocate 20% of new income for systematic investments [11] - It encourages flexibility in adjusting the investment amount based on individual financial circumstances [12][13]