#美联储降息 Upon seeing this report, I recalled an experience of a fren. Last year, when there were strong expectations for interest rate cuts, he poured most of his funds into risk assets all at once. As a result, although his short-term accounts looked good, when market fluctuations arrived, he realized he had no room to maneuver.

The news of the Federal Reserve lowering interest rates sounds positive, but the truth behind this data is more worth paying attention to. The unemployment rate is falling, consumer credit card debt has exceeded 1.2 trillion, and the average interest rate is over 20%—these signals indicate that many people are not strong consumers, but are overdrawing their future. Lowering interest rates may provide some support for asset prices, but the foundation is not solid.

My advice is quite simple: in such an environment, it's worth examining your positions. Ask yourself, if the market experiences a 20% Fluctuation, can you withstand it? Do you have sufficient liquidity to respond to unexpected situations? In the long term, a prudent asset allocation is far more important than chasing short-term trends. A well-managed allocation can allow you to navigate between opportunities and risks with ease.

There will always be market opportunities, but protecting what you already have is often the most overlooked and important lesson in investing.