Group 1 - The article emphasizes that different regional stock markets do not move in unison, allowing investors to seize more investment opportunities [2] - Global investment can significantly reduce volatility risk, highlighting the importance of diversification [2] - A free course is offered to educate investors on how to invest in global stock markets through index funds, aiming to share the long-term benefits of global market growth [2][3] Group 2 - The article discusses the risk levels of various fund products, categorized as R1 to R5, with R1 being the lowest risk and R5 the highest [5][11] - R1 products are characterized as cautious, typically involving money market funds with minimal risk of principal loss [5] - R2 products are considered stable, primarily composed of bonds with a small allocation to stocks, suitable for short to medium-term investments [6][8] - R3 products are balanced, featuring a higher stock allocation than R2, offering higher potential returns but with increased volatility, suitable for investments of 3-5 years [9][10] - R4 products are aggressive, including index funds and stock funds, requiring long-term investment strategies and careful market timing [11] - R5 products are classified as highly aggressive, often involving leverage or investments in derivatives, presenting the highest risk [12]