1. Allocating some bond funds can reduce the volatility risk of assets. The returns of bonds operate according to the rules of their own market, mainly related to interest rates, and have little to do with the profitability of listed companies. By configuring some bond funds, the returns may not be very high but are relatively stable. Compared with money market funds and fixed-term deposits, they still have certain advantages.
2. When the stock market outlook is unclear, bond funds are a better choice.