Group 1 - The article emphasizes the importance of financial education and consumer rights protection in the context of the 2025 Financial Education Promotion Week, highlighting the role of the fund industry in this initiative [1] - Different types of funds are discussed, including equity funds, bond funds, and money market funds, each with distinct risk and return profiles [3][4][5] - Equity funds primarily invest in stocks, offering potentially high returns during favorable market conditions but also subject to significant volatility during downturns [3] - Bond funds focus on government and corporate bonds, providing lower risk and more stable returns, suitable for conservative investors [4] - Money market funds invest in short-term deposits and government repurchase agreements, offering high liquidity and slightly better returns than regular savings accounts, ideal for emergency funds [5] Group 2 - The article explains that buying stocks equates to owning a share of a company, with potential for dividends and capital gains, but also highlights the higher volatility associated with stock investments compared to funds [6][7] - It warns novice investors against impulsively buying stocks based on trends or recommendations without understanding the underlying business and performance [7] - The core principle discussed is the relationship between risk and return, indicating that higher potential returns come with higher risks, and investors should align their choices with their risk tolerance [7]