Stretchable thermoregulatory fibers contribute to the development of novel advanced textiles to manage the human comfort microenvironment. The integration of solar-thermal and phase-change energy offers optical energy charging/discharging and latent heat storage/release, ameliorating healthy and easeful conditions and expanding the service time of heat regulation. Here, we construct a hierarchical core–sheath light absorption and storage fiber that can actively capture solar energy and store the converted heat energy. Coaxial wet spinning strengthens the encapsulation of phase change microcapsules (MPCM) with favorable energy storage and release capabilities, which can buffer extreme temperature changes on the skin surface microenvironment. The surface temperature of thermoregulatory fibers, respectively, reaches ∼13 and 3.1 °C higher than that of common fibers in the charging and discharging process, profiting from the co-harvest of solar and phase-change energy. It presents excellent mechanical properties, ∼650% elongation. The braided fibers, with the combination of thermo-, photo, and phase-change energy storage/release, supply a great approach for energy-saving personal thermal management (PTM) fabrics.