短期资金打理：螺丝钉银钉宝90天投顾组合

Core Viewpoint - The 90-day investment advisory portfolio primarily selects short-term bond funds, which are expected to yield higher returns than money market funds in the long run while maintaining lower risk compared to long-term bonds [1][10][11]. Group 1: Investment Strategy - The portfolio aims to outperform money market fund returns with a maximum drawdown targeted between 1% to 2% [3]. - It focuses on high-safety investments, primarily in short-term bond funds and low-risk pure bond funds, with a significant portion of assets in interest rate bonds (such as government bonds) [3][13][15]. - The strategy allows for flexible investment, with no timing required for entry, suitable for funds that can be held for three months or more [4][17]. Group 2: Performance and Risk Management - The 90-day portfolio has outperformed the China Securities Money Market Fund Index since its inception, with a relatively small maximum drawdown [20]. - The investment strategy is designed for short-term funds that will not be needed for at least three months, providing a transitional option for funds originally intended for money market investments or stock investments [21]. - By selecting short-term pure bond funds, the strategy aims to achieve higher returns with minimal risk [23].