股市下跌买什么基金？

中文版

当股市下跌时，投资者往往面临资产缩水的风险。在这种情况下，选择合适的基金进行投资，可以帮助投资者分散风险，甚至有可能在下跌的市场中获得一定的收益。

对于股市下跌时应该购买的基金，一些稳健的债券型基金和指数型基金是不错的选择。债券型基金主要投资于国债、企业债等固定收益类资产，其收益相对稳定，风险较低。在股市下跌时，债券型基金往往能够保持相对稳定的收益，为投资者提供一定的资产保值功能。

而指数型基金则跟踪某一特定的股票指数，如沪深300指数等，其投资策略相对简单，管理费用较低。在股市下跌时，指数型基金可能会因为股票指数的下跌而受到影响，但长期来看，如果市场能够恢复上涨，指数型基金也有较好的增值潜力。

此外，一些具有抗跌性的行业主题基金也是不错的选择。这些基金主要投资于具有稳定市场前景和增长潜力的行业，如消费、医疗等。在股市下跌时，这些行业往往能够保持相对稳定的业绩，为投资者提供一定的收益保障。

当然，投资者在选择基金时，还需要考虑自身的风险承受能力、投资期限和资产配置等因素。最重要的是，要保持冷静的头脑，理性对待市场波动，不被短期的市场情绪所左右。

英文版

What Funds to Buy When the Stock Market Falls?

During market downturns, investors often face the risk of asset shrinkage. Choosing the right funds to invest in during such times can help investors diversify their risks and potentially generate returns even in a bear market.

For funds to consider during a stock market decline, some stable bond funds and index funds are good options. Bond funds primarily invest in fixed-income assets such as government bonds and corporate bonds, offering relatively stable returns with lower risk. During a stock market downturn, bond funds often maintain relatively stable returns, providing investors with asset preservation features.

Index funds, on the other hand, track a specific stock index, such as the CSI 300, with a straightforward investment strategy and low management fees. While they may be affected by the decline of the stock index during a market downturn, in the long run, if the market recovers, index funds also have good growth potential.

Additionally, sector-specific funds with resilience are also worth considering. These funds primarily invest in industries with stable market prospects and growth potential, such as consumer goods and healthcare. During a stock market decline, these industries often maintain relatively stable performance, providing investors with some return security.

However, when choosing funds, investors need to consider their risk tolerance, investment horizon, and asset allocation. Most importantly, it's crucial to maintain a calm mindset, approach market fluctuations rationally, and not be swayed by short-term market sentiment.