When I first got involved with global asset allocation, I didn't think too much of it; I just hoped that fund management could be clearer. But after practical operation, I found that if the tools are not user-friendly, it is easy to give up over time.

Later, when I used BiyaPay, my biggest impression was that the process was relatively coherent. Many operations can be completed within one account, without frequently switching mindsets. For me, this simple and direct approach makes global asset allocation no longer a task that requires deliberate planning, but more like a daily management habit. #biyapay