Group 1 - The core viewpoint of the article emphasizes the evolving landscape of wealth management and financial products in 2024, highlighting the challenges and opportunities presented by changing market conditions [5]. - The article discusses the potential decline in yields for deposit replacement products, questioning whether this trend will continue [5]. - It addresses the difficulties clients face in accepting net value fixed-income products, indicating a need for better communication and education [5]. Group 2 - The first section of the article outlines various insights into wealth management, including the implications of the "胖东来" case for wealth management institutions [5]. - It explores the hidden secrets behind investors' choices between funds and wealth management products, suggesting a complex decision-making process [5]. - The article also examines the impact of index-based investment tools on the competitive landscape of financial products, indicating a shift towards more standardized investment options [5]. Group 3 - The second part of the article provides a comprehensive review and outlook on various financial products, including a detailed annual report on bank wealth management for 2024 [5]. - It presents an overview of the public fund market, highlighting the ecological structure and challenges faced in a low-profit environment [5]. - The report on ETFs emphasizes their characteristics of efficiency, transparency, and low cost, which position them as potential market leaders [5].