Group 1 - The core viewpoint is that bond funds are less risky, exhibit lower volatility, and provide more stable returns compared to stock funds due to the contractual guarantees of principal and interest payments [2] - Bond funds have a lower investment threshold and better liquidity, allowing for purchases and redemptions at any time, with minimum investment amounts often starting at 1 yuan, while high-quality bonds may require tens of thousands of yuan for a single transaction [3] - The potential returns from bond funds are limited, making it difficult to achieve high returns compared to stock funds, with risks including interest rate risk and credit risk associated with corporate bonds [4]