每日钉一下（哪三个原因，可能导致基金经理跑输指数呢？）

Group 1 - The article discusses the importance of personal retirement planning, which is a topic of significant interest to many individuals [1] - A free course is offered that outlines six key steps to help individuals effectively plan for their retirement [2] - Additional resources such as course notes and mind maps are available to enhance understanding and learning efficiency [2]