Group 1 - The article emphasizes the importance of diversifying investments across different asset classes, including both RMB and foreign currency assets, as well as stocks and bonds, with a focus on US dollar bonds as a significant component [2] - It suggests that acquiring assets at a low price is crucial for protecting investments, highlighting the formula of good quality assets plus good prices plus long-term holding equals good returns [5] - The article warns that even the best assets can pose risks if purchased at high prices, using historical examples from bull markets in 2007 and 2015 to illustrate the potential for losses when buying at peak prices [6] Group 2 - It discusses the advantages of investing during bear markets, citing the example of purchasing stock funds at the end of the A-share bear market in 2018, which likely resulted in favorable long-term returns [6] - The article notes that market irrationality can lead to price deviations from intrinsic value, creating opportunities for undervalued investments [6] - It recommends using tools like the "screw star rating and valuation table" to assess whether an asset is currently undervalued [6]