每日钉一下（投资美元债券类资产的两个思路）

Group 1 - The article emphasizes that funds are suitable investment options for ordinary people [2] - It suggests that new investors should consider specific types of funds and provides a free course to help them understand fund investment [2] - The article discusses two investment strategies for dollar-denominated bond assets, focusing on risk tolerance [5][7] Group 2 - For investors who prefer lower volatility, options like dollar deposits, dollar money market funds, and R1-level dollar wealth management products are recommended [5][7] - It is noted that while these options have lower volatility, they are not risk-free, and currency exchange rate fluctuations between RMB and USD should be considered [7] - For those who can accept higher volatility, investing in dollar bond funds is suggested, although they are subject to market fluctuations [5][8] Group 3 - Short-term bond funds are mentioned as having relatively lower volatility compared to long-term bonds [9] - Long-term bonds are indicated to be more sensitive to interest rate changes, which can affect their performance [10]