diff --git a/app/components/MarketIndexAccordion.jsx b/app/components/MarketIndexAccordion.jsx
index e6f5359..4a4c989 100644
--- a/app/components/MarketIndexAccordion.jsx
+++ b/app/components/MarketIndexAccordion.jsx
@@ -198,6 +198,7 @@ export default function MarketIndexAccordion({
   onHeightChange,
   isMobile,
   onCustomSettingsChange,
+  refreshing = false,
 }) {
   const [indices, setIndices] = useState([]);
   const [loading, setLoading] = useState(true);
@@ -222,8 +223,9 @@ export default function MarketIndexAccordion({
     };
   }, [onHeightChange, loading, indices.length]);
 
-  useEffect(() => {
+  const loadIndices = () => {
     let cancelled = false;
+    setLoading(true);
     fetchMarketIndices()
       .then((data) => {
         if (!cancelled) setIndices(Array.isArray(data) ? data : []);
@@ -234,9 +236,24 @@ export default function MarketIndexAccordion({
       .finally(() => {
         if (!cancelled) setLoading(false);
       });
-    return () => { cancelled = true; };
+    return () => {
+      cancelled = true;
+    };
+  };
+
+  useEffect(() => {
+    // 初次挂载时加载一次指数
+    const cleanup = loadIndices();
+    return cleanup;
   }, []);
 
+  useEffect(() => {
+    // 跟随基金刷新节奏：每次开始刷新时重新拉取指数
+    if (!refreshing) return;
+    const cleanup = loadIndices();
+    return cleanup;
+  }, [refreshing]);
+
   // 初始化选中指数（本地偏好 > 默认集合）
   useEffect(() => {
     if (!indices.length || typeof window === 'undefined') return;
diff --git a/app/page.jsx b/app/page.jsx
index e6a81ee..08f14de 100644
--- a/app/page.jsx
+++ b/app/page.jsx
@@ -3923,6 +3923,7 @@ export default function HomePage() {
         onHeightChange={setMarketIndexAccordionHeight}
         isMobile={isMobile}
         onCustomSettingsChange={triggerCustomSettingsSync}
+        refreshing={refreshing}
       />
       <div className="grid">
         <div className="col-12">