Group 1 - The article emphasizes that funds are a suitable investment option for ordinary people [2] - It discusses the types of funds that are more appropriate for beginners and how to approach fund investment [2] - The article mentions the importance of psychological preparation before long-term investment [2] Group 2 - The article explains the concept of premium in the context of on-market funds, noting that it is uncommon for these funds to exhibit significant premiums [4] - It describes the two trading methods for on-market funds: purchasing at net asset value (NAV) and trading at market prices [5] - The article clarifies that if the trading price is below the NAV, it is considered a discount, while a price above the NAV indicates a premium, and purchasing at a premium is generally not advisable [6]