Group 1 - The article highlights the decline of deposit interest rates in a low-interest environment, indicating that the era of relying solely on interest income is over [1] - It emphasizes the growing value of short- and medium-term bond funds, which focus on bond investments and have a lower risk of default due to their investment in high-grade credit bonds [1][2] - The Huian Yongfu 90-Day Holding Period Short-Term Bond Fund has shown a performance of 3.68% over the past year, ranking 8th among similar funds, and has consistently delivered positive returns for 11 consecutive quarters since its inception [1][2] Group 2 - The Huian Yongfu 90-Day Holding Period Short-Term Bond Fund requires investors to hold their investment for at least 90 days before free redemption, making it suitable for those with short-term liquidity needs [2] - The fund's management strategy has involved maintaining low positions and durations in early months of 2025, gradually increasing exposure to short-term bonds to mitigate capital loss from rising yield curves [2] - Analysts suggest that the bond market's favorable conditions in the upcoming quarter, driven by factors such as declining funding rates and potential interest rate cuts, present a good opportunity for investors to consider short- and medium-term bond funds [3]