Group 1 - U.S. investors typically favor domestic securities for risk mitigation, investment assessment, and historical performance reasons [1] - Income-oriented investors have an even stronger case for avoiding foreign assets due to their focus on portfolio cash flows [1] Group 2 - Roberts Berzins has over a decade of experience in financial management, assisting top-tier corporates with financial strategies and large-scale financings [1] - Berzins has contributed to institutionalizing the REIT framework in Latvia to enhance the liquidity of pan-Baltic capital markets [1] - His policy-level work includes developing national SOE financing guidelines and frameworks for channeling private capital into affordable housing [1] - Berzins holds a CFA Charter and an ESG investing certificate, and has interned at the Chicago Board of Trade [1] - He is actively involved in thought-leadership activities to support the development of pan-Baltic capital markets [1]