Group 1 - The article emphasizes the importance of diversifying investments across both RMB and foreign currency assets, as well as between equity and bond assets, highlighting the role of US dollar bond funds in this strategy [2] - It discusses the current market conditions, indicating that as of early January 2026, the market has returned to a "3-star" rating, suggesting that many investment options are now fairly valued, with fewer undervalued opportunities available [5] - The article suggests that in a "3-star" environment, investors should consider low-volatility assets for transition, such as fixed income products with lower equity exposure, like a 365-day combination [5][6] Group 2 - It recommends a global multi-asset allocation strategy, such as an all-weather portfolio, which may not perform exceptionally well during bull markets but offers stability when stock markets are overvalued [6][7] - Short-duration bond funds are highlighted as a suitable investment option, especially given the current 10-year government bond yield of 1.8%-1.9%, which makes long-term pure bond investments less attractive [8] - The article notes that the A-share market is likely to experience multiple bull and bear cycles over the next 30 years, with an average of 5-6 opportunities arising, thus indicating that there will always be investment options available [8][9]