【中文版】

结构型基金是一种投资基金，它的投资策略和资产配置是根据特定的市场指数或基准指数进行的。这种基金通常由管理人和指数提供商合作制定，通过复制和跟踪基准指数或市场指数的走势来获得收益。

结构型基金的特点在于，其投资组合的构建和调整是基于特定的市场指数或基准指数，而不是基于管理人的主观判断。因此，结构型基金通常采用被动投资策略，即尽可能地复制和跟踪指数，而不是进行主动投资。

结构型基金的投资目标是通过复制和跟踪市场指数或基准指数来获得市场平均收益水平。这种基金通常具有较低的风险和较高的透明度，因为其投资组合的构建和调整都是基于公开可用的市场指数或基准指数。

结构型基金的投资范围广泛，可以包括股票、债券、商品等多种资产类别。这种基金可以根据投资者的风险偏好和投资目标进行定制，例如可以设计成高风险高收益的基金，也可以设计成低风险低收益的基金。

总之，结构型基金是一种基于特定市场指数或基准指数进行投资策略和资产配置的投资基金，具有较低的风险和较高的透明度，适合寻求市场平均收益水平的投资者。

【英文版】

Structured funds are investment vehicles that have their investment strategies and asset allocation based on a specific market index or benchmark index. These funds are typically developed in collaboration between the manager and an index provider, and aim to generate returns by replicating and tracking the performance of the benchmark index or market index.

The key feature of structured funds is that the investment portfolio is constructed and adjusted based on a specific market index or benchmark index, rather than based on the manager's subjective judgment. Therefore, structured funds typically adopt a passive investment strategy, which means they aim to replicate and track the index as closely as possible, rather than take active investment decisions.

The investment objective of structured funds is to achieve market average returns by copying and tracking the performance of a market index or benchmark index. These funds typically have lower risk and higher transparency, because the construction and adjustment of the investment portfolio are based on publicly available market indices or benchmark indices.

Structured funds offer a wide range of investment options, including assets such as stocks, bonds, commodities, and more. These funds can be customized based on investors' risk preferences and investment goals, for example, they can be designed to have higher risk and higher returns, or lower risk and lower returns.

In summary, structured funds are investment funds that are based on predefined investment strategies and asset allocations based on specific market indices or benchmark indices. They have lower risk and higher transparency, and are suitable for investors seeking market average returns.