Core Viewpoint - The article emphasizes the importance of risk assessment in investment, highlighting that understanding one's risk tolerance is crucial for selecting suitable fund products and making informed investment decisions [3][4][10]. Risk Assessment - Risk assessment is a process to determine an investor's risk tolerance, which helps in identifying appropriate fund investments [4][5]. - Fund products are categorized into five risk levels (R1 to R5), with R1 being low risk and R5 being high risk, while investors are classified into five categories (C1 to C5) based on their risk tolerance [5][6]. - The classification allows investors with lower risk tolerance (C1) to invest in low-risk products (R1), while those with higher risk tolerance (C5) can invest in a broader range of products, including high-risk options [5][7]. Changes in Risk Tolerance - An investor's risk tolerance is generally stable over short periods but can change over longer durations due to factors like age, family assets, and financial knowledge [8]. - For instance, a novice investor may start with a low-risk tolerance (C1) but may evolve to a higher risk tolerance (C2 or C3) as they gain experience and knowledge [8]. Investment Planning - Investors should avoid following market trends and instead focus on investments that align with their risk tolerance [10][11]. - A diversified investment portfolio should be constructed based on risk tolerance, with lower-risk investors (C1, C2) primarily investing in fixed-income funds while allowing for some exposure to mixed funds [11]. - It is crucial for investors to anchor their investment strategies to their risk tolerance rather than market fluctuations to avoid emotional decision-making during market volatility [11]. Long-term Investment - The article advocates for a long-term investment approach, emphasizing that investors should commit to holding suitable funds over time to achieve satisfactory returns [11].

Group 1 - The core viewpoint of the articles emphasizes the importance of risk assessment for investors to determine their suitable fund products based on their risk tolerance levels [1][2][6] - Risk assessment helps categorize fund products into five risk levels (R1 to R5), allowing investors to understand which products align with their risk profiles [2][3] - Investors are classified into five categories (C1 to C5) based on their risk tolerance, with C1 being the lowest and C5 the highest, influencing the types of funds they can invest in [3][5] Group 2 - The articles discuss that an investor's risk tolerance can remain stable over short periods but may change over longer periods due to factors like age, family assets, and investment knowledge [6][7] - It is suggested that investors should not follow market trends blindly but should adhere to their risk tolerance when making investment decisions [8][9] - The importance of long-term investment strategies is highlighted, encouraging investors to maintain their risk assessment as a guiding principle rather than reacting to market fluctuations [9]

Group 1 - The core concept of the article emphasizes the importance of foundational knowledge in investing, particularly in mutual funds, to facilitate easier entry into investment activities [2] - The article introduces pension target funds, which are specifically designed for retirement financial planning and are characterized by the inclusion of "pension target" in their names [3] - Pension target funds operate in a fund-of-funds (FOF) format, with over 80% of their assets invested in other funds, catering to retirement needs [3]