韩信择主、为道日损、莫听穿林打叶声......解开“基金产品赚钱、基民不赚钱”的死结，藏在这些古人的智慧里

Core Viewpoint - The article discusses the disconnect between fund performance and investor returns, emphasizing that the root cause lies in investors' irrational behaviors and cognitive biases rather than market complexities [2][3]. Group 1: Current State of the Fund Market - The public fund market in China is approaching 37 trillion yuan, with over 700 million investors, highlighting its role in wealth management [2]. - Nearly 50% of ordinary stock and mixed funds have returned over 30% this year, yet only 41% of investors achieved returns between 10% and 30% [2]. Group 2: Cognitive Biases in Investment Behavior - Investors often lack a consistent investment framework, leading to behavior that shifts from value investing to trend chasing without a solid rationale [3]. - The article uses the example of "叶公好龙" to illustrate how investors may be enamored with the idea of investing but panic when faced with real market volatility [3]. Group 3: Traditional Culture in Investment Education - The company aims to integrate traditional cultural wisdom into investment education, creating a framework that includes "cognitive activation, layered empowerment, and scenario implementation" [5]. - The emphasis on traditional culture resonates with the rising interest among younger generations in ancient texts for life insights [5]. Group 4: Investment Education Framework - The investment education service follows a four-tier framework: perspective, practice, methodology, and mindset, guiding investors through their learning journey [6]. - The company has developed targeted educational content for novice, experienced, and advanced investors, ensuring a comprehensive approach to investment education [7]. Group 5: Technology and Innovation in Investment Education - The use of AI technology enhances content production efficiency and personalizes educational experiences for investors [18]. - The company emphasizes the importance of balancing professional content with accessibility, ensuring that complex investment concepts are easily understood [9]. Group 6: Future Directions in Investment Education - The company anticipates a shift towards deeper, personalized, and desensitized investment education, focusing on long-term value and financial goals [20]. - Ongoing collaborations with various stakeholders aim to expand the reach and effectiveness of investment education initiatives [20].