Group 1 - The core idea emphasizes the importance of solid foundational knowledge in investment and fund selection to enhance investment success [2] Group 2 - The article discusses potential causes for significant declines in bond funds, noting that while bond funds typically exhibit lower volatility, they can experience sharp drops due to sudden events [3] - A major factor for a single bond fund's decline is substantial redemptions, which can occur if a fund faces large withdrawals without sufficient liquidity [3]