每日钉一下（基金投顾，是如何发展起来的？）

Group 1 - The article discusses the importance of diversifying investments across different asset classes, including both RMB and foreign currency assets, as well as stocks and bonds, highlighting the role of US dollar bond funds in this strategy [2] - A free course is offered to educate investors on the investment knowledge related to US dollar bond funds, including course notes and mind maps for efficient learning [2] Group 2 - The development of fund advisory services in China is traced back to its origins in overseas markets, where it has been established for decades, indicating a growing demand for such services in response to market evolution and client needs [5] - Initially, money market funds gained popularity due to their low risk and ease of access, leading to rapid growth in assets under management, which later slowed as interest rates declined, paving the way for the rise of actively managed funds [6] - The emergence of star fund managers in the 1980s and 1990s in the US stock market led to increased investor interest in funds over individual stock trading, but as the number of fund managers grew, the challenge of selecting the right manager became significant [7] - Fund advisory services began to address the need for diversified investment and asset allocation, providing a basket of funds to mitigate risks associated with individual fund managers and offering additional services like investment strategies and profit-taking advice [8] - The competition among fund advisors has driven down overall costs, leading to the growth of index funds, with top advisors managing trillions of dollars and charging low fees, thus reshaping the investment landscape [9]