The basic thinking framework of investment:
1. When the economy is down, buy gold and utility stocks;
2. When the economy is up, buy high-end consumer goods and brokerage insurance;
3. When interest rates fall, buy long-term bonds
4. When interest rates rise, buy bank wealth management and money market funds
5. When inflation occurs, buy commodities and related stocks
6. When deflation occurs, buy high-dividend stocks and long-term bonds in stable industries
