As we head into 2025, looking ahead to global markets, equities and fixed income assets appear fully valued. The Republican sweep of the US election has reverberated globally, and artificial intelligence, as a representative emerging industry, continues to offer significant investment opportunities. Throughout the year, we will focus on the following themes.

Digital banks, as an emerging financial services model, are gradually transforming the way traditional banking operates. With the arrival of 2025, the rise of digital banks has not only garnered widespread attention globally but has also been disrupting the financial industry. In particular, with the widespread adoption of mobile internet technology and big data applications, digital banks will redefine traditional financial services with their low costs, high efficiency, and convenience.

At the beginning of 2025, the global wealth landscape quietly shifted. This shift in global wealth led to significant asset sales by Musk, Buffett, and Bezos, drawing market attention. Elon Musk sold $14 billion worth of Tesla stock, Warren Buffett reduced his bank holdings by nearly $9 billion, and Jeff Bezos sold over $8 billion of Amazon stock. These coordinated moves by these ultra-wealthy individuals garnered widespread market attention.

The average rate on a 30-year mortgage in the United States fell for the third consecutive week. This trend bodes well for potential homebuyers at a time when high borrowing costs continue to weigh on the housing market.

Investment strategies vary during different stages of the economic cycle.

Why is the US dollar so strong against the euro? What causes this phenomenon?

Real estate mortgages have long been popular as a powerful tool for leveraging fixed assets and obtaining large sums of capital. However, complex procedures and ever-changing policies deter many people.

Inflation is an economic phenomenon that affects both personal savings and investments. It's closely related to our lives, particularly our bank deposits, and therefore warrants close attention.

In the vast ocean of financial markets, gold and stocks are like two distinct ships, carrying investors' differing expectations for wealth appreciation.

Travel insurance is a product that provides protection against various risks that travelers may encounter during their travels.

Using credit cards has its advantages and disadvantages. From a dialectical perspective, credit cards are like a sharp, double-edged sword: they offer both convenience and the potential to harm the cardholder's financial well-being.

The United States has one of the most developed insurance industries globally.

Whether you're applying for a mortgage, a credit card, or other financial matters, your personal credit score is crucial. A high credit score not only makes it easier to get approved, but also allows you to secure lower interest rates, saving you significant interest!