每日钉一下（债基年化收益率超过6%，能一直实现吗？）

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 assist individuals in effectively planning for retirement [2] - Additional resources such as course notes and mind maps are available to enhance understanding and learning efficiency [2]