【中文版】

配置型基金是指将基金资产分配到不同类型的投资品种上的基金。这种基金可以根据投资者的风险承受能力和收益目标，对股票、债券、现金等资产进行灵活配置，以实现基金的投资目标。

配置型基金的特点在于其灵活性和多样性。这种基金可以根据市场行情和投资者的风险承受能力，随时调整投资组合，以达到最优的投资效果。同时，配置型基金还可以通过分散投资降低风险，为投资者提供更加稳定的收益。

配置型基金的投资策略可以是主动型或被动型。主动型配置型基金的基金管理人会根据市场走势和投资者的风险承受能力，主动调整投资组合，以追求更高的收益。被动型配置型基金则会采用跟踪指数等策略，以实现基金的投资目标。

总的来说，配置型基金是一种具有较高灵活性和多样性的投资工具，可以为投资者提供更加全面的资产配置服务，帮助投资者在实现资产保值增值的同时，降低投资风险。

【英文版】

Configuration fund refers to a fund that distributes its assets to different types of investment products. This type of fund can flexibly allocate assets such as stocks, bonds, and cash according to investors' risk tolerance and return objectives to achieve the fund's investment goals.

The characteristics of configuration funds lie in their flexibility and diversity. This type of fund can adjust the investment portfolio at any time according to market conditions and investors' risk tolerance to achieve optimal investment results. At the same time, configuration funds can reduce risks by diversifying investments and provide investors with more stable returns.

The investment strategy of configuration funds can be active or passive. Active configuration funds allow fund managers to proactively adjust the investment portfolio based on market trends and investors' risk tolerance to pursue higher returns. Passive configuration funds, on the other hand, adopt strategies such as tracking indices to achieve the fund's investment objectives.

Overall, configuration funds are highly flexible and diverse investment tools that can provide investors with more comprehensive asset allocation services, helping them achieve asset appreciation while reducing investment risks.