Group 1 - The core concept of fund advisory is to address the issue where "funds make money, but investors do not" [4] - Fund advisory serves as a professional consultant in the investment industry, similar to how doctors and lawyers provide specialized advice in their fields [6][7] - A free course is available to help individuals understand the various aspects of fund advisory, including course notes and mind maps for efficient learning [5] Group 2 - The article discusses the advantages of Hong Kong Stock Connect funds, which allow investors without overseas accounts to invest in international markets [8] - Before the establishment of Hong Kong Stock Connect, mainland investors typically used QDII funds to invest in Hong Kong stocks [9] - Currently, many index funds related to Hong Kong stocks, such as technology and dividend funds, utilize the Hong Kong Stock Connect channel for investment [9][10] Group 3 - There are drawbacks to Hong Kong Stock Connect funds, including a narrower investment range limited to eligible stocks and higher dividend taxes [11] - For instance, dividend tax rates can reach 20% or 28%, significantly impacting the effective yield of high-dividend funds [11] - In contrast, A-shares do not incur dividend taxes after long-term holding, necessitating a comparison of yields between Hong Kong and A-share dividend funds with adjustments for tax implications [12]

Group 1 - The core viewpoint of the article emphasizes that investing in personal pensions not only provides additional security for retirement but also allows individuals to enjoy tax deferral benefits [1] Group 2 - The article discusses how to open a personal pension account and outlines five major investment types available for individuals [2] - It mentions a limited-time free course that introduces methods for investing in personal pensions [2] Group 3 - To access the course, individuals are encouraged to add the "Course Assistant" and reply with "Pension" to receive it [3] - The article also offers course notes and mind maps to help users quickly understand the course structure and learn more efficiently [3] Group 4 - There is a suggestion to click on the link to read the original text and learn about large family asset allocation courses for free [4]