1. Social endowment insurance funds develop securities lending business, and medical liquor is bad. Negative high valuation stocks, the current high valuation is liquor and medicine. Short selling is a complicated matter. Only when more than 50% of the stocks are still overvalued can they be shorted by institutions. Be wary of such stocks and funds recently.

2. Delaying retirement is the inevitable result of social development. To do a good job in financial planning, we should use the ratio of 1 (current) +4 (fixed income) +5 (high risk and high income) for financial management. Most people adopt a defensive strategy in investment, but what they need is a proactive strategy, which is why so many people are struggling financially.