每日钉一下（投资港股通基金，有啥优缺点？）

Group 1 - The core viewpoint of the article emphasizes that investing in personal pensions not only provides additional security for retirement but also allows individuals to enjoy tax deferral benefits [1] Group 2 - The article discusses how to open a personal pension account and outlines five major investment types available for individuals [2] - It mentions a limited-time free course that introduces methods for investing in personal pensions [2] Group 3 - To access the course, individuals are encouraged to add the "Course Assistant" and reply with "Pension" to receive it [3] - The article also offers course notes and mind maps to help users quickly understand the course structure and learn more efficiently [3] Group 4 - There is a suggestion to click on the link to read the original text and learn about large family asset allocation courses for free [4]