每日钉一下（长期投资股票资产，收益是从哪里来的呢？）

Group 1 - The article emphasizes that funds are very suitable investment products for ordinary people [2] - It suggests that new investors should consider long-term investment in stock assets, with returns derived from valuation, earnings growth, and dividends [6][7] - The investment strategy involves buying index funds when they are undervalued to maximize potential returns [8] Group 2 - The article highlights the difficulty of investing in index funds due to the slow changes in earnings compared to the rapid fluctuations in valuation [8] - It notes that significant market gains in A-shares occur only about 7% of the time, indicating the importance of timing in investment [8]