每日钉一下（月薪宝、365天投顾组合，是怎么止盈的？）

Group 1 - The article emphasizes that funds are suitable investment options for ordinary people [2] - It introduces a free course designed to help novice investors understand fund investments from scratch [2] - The course includes notes and mind maps to facilitate efficient learning [2] Group 2 - The "Monthly Salary Treasure" investment combination maintains a long-term stock-bond ratio of approximately 40:60 [7] - In bear markets, the strategy involves redeeming bond funds to increase stock fund holdings, while in bull markets, it takes profits from stock funds to increase bond fund holdings [7][8] - The combination has successfully rebalanced twice in February 2024 and July 2025, contributing to good returns [8] Group 3 - The "365-Day Investment Combination" primarily invests in 15% stock funds and 85% bond funds [9] - As of October 2025, the stock proportion in this combination exceeded 15% due to market conditions [9] - The combination adjusted its holdings by taking profits from stocks and increasing bond investments to restore the original ratio [10] Group 4 - After rebalancing, the proportion of stocks and convertible bonds decreased from 17% to 14%, while the proportion of bonds and cash increased from 83% to 86% [12] - Both the "Monthly Salary Treasure" and "365-Day" combinations have generated significant excess returns compared to their performance benchmarks since inception [12] - The risk associated with these two combinations has been kept relatively low [13] Group 5 - The combination of stock-bond allocation and rebalancing has allowed both investment strategies to achieve relatively good long-term returns with lower volatility [14] - There are currently five investment combinations available, including index enhancement and active selection [15]