Andy Kwan, Chief Investment Strategist of Hong Kong Wing Ming Asset Management (Hong Kong) Limited, pointed out that he is still optimistic about the US stock market in the next 12 months, even though valuations are high, it still leads in various markets. As for the Hong Kong stock market, Kwan has a neutral attitude, with current low valuations still having the conditions for a rebound. In the future, he will focus on two key signals, including whether there will be some shocking policies in the mainland, such as more direct support from the central government for local property developers, and the pace of US interest rate cuts. He expects the US to start cutting interest rates in the second half of the year, but the path and extent are still unclear. Yimeng Asset Management (Hong Kong) Limited CEO Jianhua Yan said that the company's US stock fund launched last year has now reached HK$2.8 billion, while the Global Low Carbon Index Fund has about HK$900 million. Yan pointed out that the Hong Kong stock fund is still the company's flagship, with about 20% of funds invested in Hong Kong stocks in the market, and nearly 30% of the company's overall funds invested in Hong Kong stocks. Yan suggested that investors managing Trillions of MPF this year should use the 4+1 strategy, including Hong Kong stock funds, US stock funds, global bond funds, and global low carbon index funds. In addition, investors who do not have the time to manage Trillions of MPF can consider fund automatic navigation services, which will automatically adjust the stock-bond investment ratio according to the investor's age, with less than 10% of customers currently using this service. Penny Pun, General Manager of Wealth and Retirement Business at Hong Kong Wing Ming Financial Limited, said that the company will join the eMPF platform in April next year, allowing investors to use the platform to convert Trillions of MPF agents and manage investment portfolios at any time. Pun believes this is a good opportunity, and the company will continue to expand different fund products and services to attract customers. Pun also mentioned that the company will invest HK$200 million in digital development this year, including the development of platforms, using AI and human team forms to create investment portfolios based on customers' individual goals and risk tolerance, which is expected to be launched in the third quarter of this year. Jason Chow, Business Development Director at Hong Kong Wing Ming Financial Limited, added that the human resources saved through digitization will be invested in customer service, such as the transition to the eMPF platform. In the long term, he believes that digitization may replace some manpower, but there are currently no relevant situations in the short term.