股市不好时买什么基金？

中文段落：

当股市表现不佳时，投资者往往面临较大的风险和挑战。然而，这并不意味着投资者应该完全离场。相反，某些类型的基金在这种情况下可能具有相对较好的表现。在股市不好时，投资者可以考虑购买以下类型的基金：

债券基金：债券基金主要投资于国债、企业债等固定收益类资产。当股市下跌时，债券通常被视为相对安全的避风港，因为它们通常能提供稳定的收益。

指数基金：指数基金通常跟踪某个特定的股票指数，如沪深300指数。由于它们采取的是被动管理策略，与主动管理的股票基金相比，其费用通常较低。

货币市场基金：货币市场基金主要投资于短期债券和其他货币市场工具，风险相对较低。在股市不好时，货币市场基金可以提供流动性较好的投资选择。

总之，在股市不好时，投资者应根据自己的风险承受能力和投资目标，选择适合自己的基金类型。同时，保持冷静、理性投资，避免盲目跟风，是投资者在股市波动时应遵循的原则。

英文段落：

When the stock market performs poorly, investors often face significant risks and challenges. However, this doesn't necessarily mean investors should exit the market entirely. Instead, certain types of funds may perform relatively well under such circumstances. When the stock market is struggling, investors may consider purchasing the following types of funds:

Bond funds: Bond funds primarily invest in fixed-income assets such as government bonds and corporate bonds. When the stock market is falling, bonds are often seen as a relatively safe haven as they can provide stable returns.

Index funds: Index funds typically track a specific stock index, such as the CSI 300. Because they adopt a passive management strategy, their fees are usually lower compared to actively managed equity funds.

Money market funds: Money market funds primarily invest in short-term bonds and other money market instruments, carrying relatively low risk. During a struggling stock market, money market funds can provide a liquid investment option.

In conclusion, when the stock market is performing poorly, investors should choose suitable fund types based on their risk tolerance and investment objectives. It's important to maintain calm and invest rationally, avoiding blindly following trends. This is the principle investors should follow during stock market fluctuations.