每日钉一下（红利指数2025年牛市上涨不多，要不要换品种呢？）

Group 1 - The article discusses the importance of diversifying investments across both RMB and foreign currency assets, as well as between equity and bond assets, highlighting the role of US dollar bonds in this strategy [2] - A free course is offered to provide systematic knowledge on investing in US dollar bond funds, including course notes and mind maps for efficient learning [2] Group 2 - The performance of dividend index funds in 2025 shows that the CSI Dividend Index Fund in A-shares has increased by approximately 2%, while the Hang Seng Dividend Low Volatility Index Fund in Hong Kong has risen by about 20% [5] - The Hang Seng and Shanghai-Hong Kong-Shenzhen dividend low volatility index funds have shown a consistent upward trend, with the latter increasing by around 12% [5] - Dividend index funds typically exhibit lower volatility, with fluctuations around 60%-70% of the broader market [6] Group 3 - The article notes that during bull markets, dividend index funds have limited elasticity and tend to rise uniformly, contrasting with growth styles that can experience significant volatility [7] - Historical performance from 2019 to 2025 shows that the Shanghai-Hong Kong-Shenzhen dividend low volatility index fund had annual returns of 3.25%, -4.66%, 14.39%, 1.65%, 7.71%, 27.18%, and 12% [8] - The article emphasizes that dividend index funds are less prone to dramatic price swings, and their returns are best realized through undervalued purchases and long-term holding strategies [8]