Group 1 - The article emphasizes the importance of diversification in investment portfolios to mitigate risk, suggesting that different types of stock assets have varying levels of volatility risk, with individual stocks being the most volatile, followed by sectors, broad indices, and fund combinations [2] - It is recommended to invest in a basket of undervalued fund combinations for further risk reduction, and for convenience, investors can follow the "Screw Nut" advisory combinations which offer diversified styles and sectors [2] - The article mentions that there are five advisory combinations available, including index enhancement and active selection, which can help investors manage their investments more easily [5] Group 2 - The article discusses the relationship between stock and bond ratios, indicating that a higher proportion of stocks generally leads to higher long-term annualized returns, but also increases volatility risk [3] - It suggests that for household funds that are not needed for the long term, the allocation to stock funds should not exceed "100 minus age" for individuals in the 4 to 4.9-star rating range, with a recommendation to reduce investment amounts compared to a 5-star rating [4] - For those who find stock fund volatility challenging, it is advised to consider lower stock allocation options such as fixed income plus products, like the 365-day and monthly salary advisory combinations [4]

Group 1 - The article discusses investment strategies for index funds, emphasizing the importance of understanding investment techniques to achieve good returns [2] - A free course is offered to help investors learn about index fund investment strategies, including course notes and mind maps for efficient learning [2] Group 2 - Three methods to control market volatility risk are outlined: 1. Dollar-cost averaging (定投) to lower the average cost of holdings during downturns, allowing for profitability without needing to return to previous price levels [8] 2. Diversification by investing in a basket of undervalued funds to reduce risk, with a recommendation to follow managed portfolios for ease [10] 3. Position control, suggesting that the stock allocation in a portfolio should not exceed "100 minus age" for long-term unused funds [12] Group 3 - The article mentions five managed investment portfolios available, including index enhancement and active selection, designed to simplify investment for users [13]

Core Viewpoint - The article discusses three methods to control market volatility risk: dollar-cost averaging, diversification, and position control [2][11]. Group 1: Methods to Control Volatility Risk - **Method 1: Dollar-Cost Averaging** Persisting with dollar-cost averaging during periods of unrealized losses helps to lower the average cost of holdings, allowing for profitability without needing the market to return to previous levels [2]. - **Method 2: Diversification** Different types of stock assets exhibit varying levels of volatility risk, with individual stocks being the most volatile, followed by sectors, broad indices, and fund combinations. A diversified portfolio can mitigate risk by investing in a basket of undervalued funds [2][11]. - **Method 3: Position Control** The article presents a table showing the relationship between stock-bond ratios, maximum drawdown, and annualized returns. Higher stock ratios generally lead to higher long-term returns but also increase volatility risk [3][11]. Group 2: Monthly Treasure Combination - **Composition of Monthly Treasure** The Monthly Treasure combination consists of 40% stock funds and 60% bond funds, designed to meet the needs of conservative investors [5][11]. - **Stock Portion Characteristics** The stock portion focuses on value styles, characterized by lower volatility in bear markets and higher dividend yields, providing stable income regardless of market fluctuations [6][11]. - **Bond Portion Characteristics** The bond portion primarily invests in short- to medium-term bonds, which are less affected by interest rate changes. The current yield for 10-year government bonds is around 1.7%-1.8%, indicating lower attractiveness for long-term pure bonds [6][11]. Group 3: Rebalancing Strategy - **Automatic Rebalancing** The Monthly Treasure combination employs an automatic rebalancing strategy based on valuation, which facilitates "buy low, sell high" actions without requiring investor intervention [8][11]. - **Recent Rebalancing Actions** The article details two recent rebalancing actions, highlighting the strategy of selling outperforming assets and reallocating to underperforming ones to maintain the target asset allocation [9][11]. Group 4: Cash Flow Feature - **Flexible Cash Flow Functionality** The Monthly Treasure combination includes a feature for periodic cash flow distribution, which can be easily turned on or off based on the investor's needs, providing flexibility for long-term investment [10][11].