#美联储降息 The new Federal Reserve chairperson is about to be announced, and market expectations for rate cuts are heating up again. Looking at these news, I am reminded of a recent conversation with friends—many are excitedly discussing "Rate cuts are coming, should we increase our holdings?"

But what I want to say is that policy shifts are often the moments when we need to stay the most calm. The expectation of rate cuts has already been reflected in the market, and the real test is: how will the market react when these expectations are finally realized? Historical experience tells us that there is often a gap between anticipation and reality.

At this point, I am more concerned not with whether to act, but how to act. If you already have your asset allocation plan, stick to it and don’t disrupt your rhythm because of a policy news. If you haven’t decided yet, consider asking yourself a few questions: What is my risk tolerance? How long is my investment horizon? Has my current position structure considered all possible scenarios?

Safety has never come from chasing hot topics, but from a clear understanding of your financial situation and disciplined execution. The rate cut cycle may really be coming, but what we need to do is to face it with a long-term mindset and prudent position management, rather than being swayed by its hype.