低利率如同一把双刃剑，开辟了一片理财新场景。 随着一年期定期存款利率下破1%、10年期国债收益率来到1.75%附近、纯债资产收益中枢下滑、股票市 场回暖……很多偏好稳中求进的投资者在热衷攒"新三金"（货币基金、债券基金和黄金基金）的基础 上，开始进一步寻求收益"加"法，旺盛的需求令"固收+"基金重回C位。 "最后一笔高息定期存款到期之后，我基本上不买纯固定收益类产品了，现在除了留一部分活期，其他 都转到了债基和固收+产品，未来几年我需要安家置业，投资决策奔着这个目标去。"一位90后投资 者"十二月"表示。 投资稳进派求稳求进，如何"+"才能靠得住？理财新"+"法正在成为新赛道。围绕新环境下的稳进投资求 解之道，嘉实基金近期举办了一场"固收+"投资策略分享会，联动多位基金经理、财经大V、稳进派投 资者展开分享和交流。 01 稳进投资者转身，固收+产品需求激增 作为稳进投资派的一员，"十二月"在经历市场几轮牛熊后深刻意识到，个人想实现精准择时、资产动态 搭配难度不小，固收+基金成为她追求收益和平衡风险的省心之选。 像"十二月"这样的投资者正越来越多。数据显示，截至今年上半年，全市场固收+产品规模已突破1.55 万 ...

Core Insights - The "Fixed Income +" funds have gained popularity due to their ability to balance risk and return, with a total market size reaching 1.9 trillion yuan, reflecting a growth of 252.5 billion yuan or 15.34% since the beginning of the year [1] - Over 1,750 "Fixed Income +" products have an average return of 3%, with more than 290 products exceeding a 5% average return, indicating a systemic increase in investor risk appetite and a demand for stable value growth [1] - The essence of "Fixed Income +" lies in achieving sustainable returns through multi-asset collaboration while controlling drawdowns, catering to various investor risk preferences and return expectations [2] Fund Performance - Jiashi Fund's products have shown strong performance, with all 25 mixed bond funds yielding over 3.4% in the past year, including Jiashi Stable Macro at 27.51%, Jiashi Dual Benefit at 19.83%, and Jiashi Stable Yield at 13.13% [1] - Specific products have demonstrated low drawdowns while providing competitive returns, such as Jiashi Stable Prosperity with a drawdown of 0.52% and a return of 5.4%, and Jiashi Dual Season Enjoy with a drawdown of 0.5251% and a return of 7.15% [2] Market Trends - The future of "Fixed Income +" funds is expected to shift from being scale-driven to capability-driven, with fund managers possessing strong macroeconomic analysis and refined credit assessment systems likely to excel in competition [3] - "Fixed Income +" represents not only an innovation in financial products but also an evolution in investment philosophy, focusing on certainty amid volatility and realizing value through long-term holding [3]