Several key points of investment and financial management:

1. Risk: principal loss, opportunity cost, inflation erosion

There is no doubt that investment has risks, but don’t think that there is no risk when money is in the bank. It has the risk of principal loss, opportunity cost risk, and inflation erosion risk.

2. Return: absolute return and return-risk ratio.

3. Liquidity: Can the funds be converted into cash at any time?

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