每日钉一下（红利指数基金，是否可以随时买入呢？）

Group 1 - The article emphasizes that fund investment is a suitable method for lazy investors and discusses how to effectively plan for fund investment [2][3] - It introduces four methods of fund investment and suggests that investors should determine which method suits them best [2] - The article offers a free course to help investors understand fund investment strategies and provides additional resources like course notes and mind maps for efficient learning [2][3] Group 2 - Dividend index funds are highlighted as defensive assets due to their high dividend yield and resilience during bear markets, making them attractive for investors seeking stability [4] - The article advises against buying dividend index funds at high valuation stages, as this could lead to immediate losses if the market corrects [5][6] - It explains that buying during undervalued stages can reduce volatility risk, enhance the holding experience, and capture potential future valuation increases [7][10]