Group 1 - Many brokerage firms are lowering commission rates to attract retail investors, but for many retail investors, the commission rate is not as significant as it seems [1][2] - The minimum commission charge of 5 yuan by most brokerages means that for small transactions, the difference in commission rates becomes negligible [1][2] - As commission rates approach 0.01%, the importance of commission fees diminishes for small investors, leading to a need for higher transaction amounts to benefit from lower rates [2] Group 2 - For small investors, negotiating to eliminate the 5 yuan minimum commission or increasing transaction amounts is the best way to reduce trading costs [2] - It is more cost-effective for small investors to make larger single transactions rather than spreading investments across multiple smaller trades [2] - A strategy of waiting for the right moment to invest fully in a single stock is optimal for small investors in terms of both investment strategy and transaction costs [2] Group 3 - The impact of trading habits on transaction costs is significant; long-term holding can mitigate costs even with a minimum commission, while frequent trading can lead to high cumulative costs [3] - Reducing trading frequency is crucial for minimizing overall transaction costs, regardless of commission rates [3]