Group 1 - The article emphasizes that different regional stock markets do not move in unison, allowing investors to seize more investment opportunities [2] - Global investment can significantly reduce volatility risk, highlighting the importance of diversification [2] - A free course is offered to educate investors on how to invest in global stock markets through index funds, aiming to share the long-term benefits of global market growth [2][3] Group 2 - The article discusses the risk levels of various fund products, categorized as R1 to R5, with R1 being the lowest risk and R5 the highest [5][11] - R1 products are characterized as cautious, typically involving money market funds with minimal risk of principal loss [5] - R2 products are considered stable, primarily composed of bonds with a small allocation to stocks, suitable for short to medium-term investments [6][8] - R3 products are balanced, featuring a higher stock allocation than R2, offering higher potential returns but with increased volatility, suitable for investments of 3-5 years [9][10] - R4 products are aggressive, including index funds and stock funds, requiring long-term investment strategies and careful market timing [11] - R5 products are classified as highly aggressive, often involving leverage or investments in derivatives, presenting the highest risk [12]

Core Viewpoint - The article discusses the importance of investor suitability in the context of fund sales, emphasizing the need for fund-raising institutions to assess the risk tolerance of investors and match them with appropriate fund products [4][10]. Group 1: Investor Suitability Assessment - Fund-raising institutions are required to evaluate the risk tolerance of ordinary investors and provide results of this assessment, categorizing investors into five risk tolerance levels: C1 (lowest) to C5 [4][6]. - The risk levels of fund products are classified into five categories: R1 to R5, ranging from low-risk products like money market funds (R1) to high-risk products like derivatives (R5) [6][7]. Group 2: Risk Level Matching - Investors can purchase fund products that match their risk tolerance level, with specific guidelines indicating which risk levels they are allowed to invest in [9][10]. - For example, a "conservative" investor can only be recommended R2 or lower risk products, and if they wish to invest in higher-risk products, they must receive special risk warnings and confirm their understanding [8][10]. Group 3: Investor Education - The article emphasizes the importance of investor education, advising investors to conduct assessments, understand risks, ensure product suitability, and read relevant documents before making investment decisions [11].