To say that this year's U.S. stocks of small partners but properly ride a wave of roller coaster, the first half of the year with Nvidia and other technology stocks to eat a wave of meat, the second half of the year can only drink some clear soup, ups and downs is too exciting。Now, the situation could reverse again, as history has shown that November was the best month ever for U.S. stocks, with the highest average return in a year since 1950.。There are two mainstream explanations for why U.S. stocks will rise in November: first, after the first three months of stock selling, the stocks in the hands of U.S. stock shorts have bottomed out and there are no more chips to smash, which is a big plus for the stock market.。Second, as you may not know, there is a strange rule in the U.S. fund industry, that is, the more you earn from stock trading, you need to pay more tax, and the more you lose, you can offset the tax, which is called the annual tax loss harvest, the annual deadline is October 31.。That is, the more U.S. mutual funds lose by the end of October each year, the less money-making taxes they will have to pay this year。So after October, another loss will not be tax-deductible, so it seems that we have reason to expect a wave of U.S. stocks in November.？

Recently, JPMorgan CEO Jimmy Dimon commented in Xiaomo's third-quarter earnings report that due to the uncertainty of the macro environment, the current may be the world's "most dangerous moment in decades."。Dimon said that while U.S. consumers and businesses are currently "generally" healthy, consumers are depleting their cash savings, which means that the purchasing power of U.S. consumers may decline.。At the same time, Dimon argues that the current U.S. labor market continues to be hot, government debt levels are extremely high, and fiscal deficits are at peacetime highs, all of which increase the risk of persistently high inflation and rising interest rates。In an effort to combat stubborn inflation, the U.S. benchmark interest rate is now at its highest point in 20 years, and many U.S. economic indicators have begun to show signs of slowing.。Many economists believe that if interest rates continue to rise, the risk of a hard landing for the U.S. economy will greatly increase.。So if the economy is really in recession, how should ordinary people invest?？In a word, the greater the risk of adopting a diversified investment strategy, the more you should avoid putting your eggs in the same basket.。In terms of equity targets, consider investing in defensive sectors such as utilities, healthcare and consumer goods, which are usually relatively stable and may perform well even in a recession。In terms of bond investments, investors can consider some relatively stable bond investments, such as government bonds or investment-grade corporate bonds.。Such bonds are often considered safer assets and can provide certain income and capital preservation characteristics.。Finally, in terms of regular savings, you have to buy a certain number of fixed deposit products on a regular basis, no matter how volatile the market is.。This will help diversify the impact of market volatility while allowing you to buy more assets when the market is low。