每日钉一下（利率波动，对股票资产有什么影响呢？）

Group 1 - The article emphasizes that different regional 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, allowing investors to share in the long-term gains of global markets [2] - A free course is offered to teach methods for investing in global stock markets through index funds, along with supplementary materials like course notes and mind maps [2][3] Group 2 - Interest rate fluctuations have a strong impact on various asset prices, including stocks, bonds, and real estate, with higher rates generally exerting downward pressure on prices [5] - When interest rates decrease, it releases more capital into the market, potentially driving up asset prices [5] - The influence of interest rates is particularly pronounced on small-cap stocks and dividend-paying stocks [5] Group 3 - Small-cap stocks are more sensitive to changes in liquidity; during the 2020-2021 period of low interest rates, small-cap stocks outperformed the broader market [6] - However, in the recent years of rising interest rates, small-cap stocks have underperformed compared to the average of the U.S. stock market [7] - Dividend-paying stocks are affected by the comparison between dividend yields and bond interest rates, with recent interest rate hikes making bonds more attractive [8]