每日钉一下（股债比例：资产配置决定90%的收益）

Group 1 - The article emphasizes that different stock markets do not move in unison, and understanding multiple markets can provide investors with more opportunities [2] - Global investment can significantly reduce volatility risk, highlighting the benefits of diversifying across various markets [2] - A free course is offered to educate investors on how to invest in global stock markets through index funds, aiming to share the long-term gains of global markets [2][3] Group 2 - The article discusses the importance of asset allocation, stating that it determines 90% of investment returns, particularly in the context of fund investments [4][5] - It explains the contrasting characteristics of stocks and bonds, where stocks generally offer higher long-term returns but come with greater volatility, while bonds provide lower returns with less risk [5][6] - The article suggests that higher stock allocation in long-term active funds typically results in better returns but also entails higher risk [5][6]