Group 1 - The core viewpoint of the articles emphasizes the evolution and significance of fund advisory services in response to increasing market volatility and the growing demand for personalized wealth management [1][2][5] - The fund advisory business has expanded significantly since its pilot launch in October 2019, with over 60 institutions now participating, including banks, brokerages, and fund companies [2][5] - The industry is transitioning from a product-centric to a client-centric model, driven by supportive policies aimed at promoting long-term capital market participation [2][5] Group 2 - The average return for clients using fund advisory services has outperformed those who purchase funds independently, primarily due to differences in asset allocation and product selection [3][4] - Innovations in fund advisory services include linking them with public welfare initiatives and developing specialized products to meet diverse investor needs [3][4] - The introduction of AI technology is seen as a transformative factor in the fund advisory industry, enhancing customer service, investment decision-making, and risk management [6][7] Group 3 - AI tools are being utilized to improve efficiency in standard tasks, allowing human advisors to focus on high-value services, although AI cannot fully replace the emotional support and complex decision-making provided by human advisors [7][8] - The integration of AI in fund advisory services is still in its early stages, with varying levels of progress among institutions, but there is a consensus on its potential value [6][7] - Ensuring data security and compliance with regulations remains a critical concern for institutions using AI in their advisory processes [7][8]

Core Viewpoint - The company has launched a public welfare financial brand "Yizhao Xiangshan Zhi Yuan Qianxing," introducing the first fund advisory public welfare portfolio in the industry, committing over 50% of service fees to public welfare projects, and establishing the first ESG public welfare financial laboratory in the industry [1][2]. Group 1 - The company aims to integrate public welfare financial innovation with ESG concepts to explore new pathways for wealth creation and contribute to common prosperity and high-quality development [1][3]. - Since the launch of the "Yizhao Xiangshan" series on September 9, 2024, the company has introduced two major public welfare portfolios focused on education and elderly care, with a total signed scale exceeding 800 million [1][2]. - The first donation for the elderly care project has been completed, focusing on creating safe bathing environments for the elderly, while the education project aims to support children in remote rural areas [1][2]. Group 2 - The donation process is transparent and can be tracked in real-time through the company's APP and nationwide branches, promoting a dual-channel and fully transparent service system [2]. - The company has established the "招商证券 ESG Public Welfare Financial Innovation Laboratory" to explore standardized paths for public welfare finance and promote industry development [2]. - To address the aging population trend, the company has launched a comprehensive elderly advisory service, including designing public welfare fund advisory portfolios and providing personalized advisory solutions [2][3].