Microsoft Releases AI Predictions for 2025

Microsoft has released its six major AI predictions for 2025 on its official website. These predictions are: AI models will become stronger and more useful, AI Agents will completely change the way we work, AI companions will support daily life, the utilization of AI resources will be more efficient, testing and customization will be key to AI development, and AI will accelerate breakthroughs in scientific research. Notably, Microsoft emphasized in the introduction that AI Agents will autonomously and automatically complete more complex workflows by 2025, enhancing efficiency in both work and home environments. Looking at broader applications, AI will play an important role in areas ranging from climate change to healthcare.

1.AI Models Will Become Stronger and More Useful: In the past year, AI models have made significant progress in reasoning efficiency and functionality. By 2025, advanced AI models are expected to perform better in complex tasks such as scientific research, coding, and legal analysis, providing a more practical AI experience.

2.AI Agents Will Completely Change the Way We Work: AI Agents can autonomously execute tasks, understand natural language instructions, and interact naturally with users. By 2025, these Agents are expected to optimize workflows through stronger memory and reasoning capabilities, enabling real-time data exchange and feedback in project management and other areas.

3.AI Companions Will Support Daily Life: Microsoft's Copilot will serve as an AI companion, helping users manage daily tasks while protecting privacy. In the future, Copilot will have more new features, such as providing news summaries and understanding web content, enhancing user efficiency in daily life.

4.Utilization of AI Resources Will Be More Efficient: Microsoft will collaborate with hardware manufacturers to improve the efficiency of AI infrastructure and promote more sustainable use of AI resources. New data centers will not consume water for cooling and will use carbon-neutral energy, committing to green operations.

5.Testing and Customization Will Be Key to AI Development: Microsoft emphasizes that testing and customization will be critical components of AI development, aimed at identifying and mitigating potential risks to ensure the safety and accuracy of AI systems.

6.AI Will Accelerate Breakthroughs in Scientific Research: AI's application in scientific research is driving historic breakthroughs, especially in the biomedical field. Advancements at Microsoft Research are enabling researchers to solve complex problems more quickly, fostering innovation in drug discovery and protein design.

What is Dollar-Cost Averaging in Stocks?

Dollar-cost averaging, also known as monthly stock investment, refers to an investment strategy where a fixed amount is used to purchase specific stocks at regular intervals. This approach allows investors to buy shares without needing to purchase a whole unit each time, instead buying a proportionate number of shares based on their set monthly investment amount.

For example, consider Mr. Chen, who wishes to invest in the Microsoft in stages. Using the dollar-cost averaging feature, Mr. Chen invests USD 1,000 each month, which uSMART uses to purchase shares at market price and deposits them into Mr. Chen's account. This way, Mr. Chen effectively buys around 2 shares of Microsoft each week, achieving a low-threshold stock investment.

Advantages of Monthly Investment via uSMART

Choosing the right investment platform is crucial for dollar-cost averaging in stocks. Investing through the uSMART platform offers several significant advantages:

1. Commission-Free Trading

uSMART provides commission-free trading services, meaning investors do not have to pay commission fees for each stock transaction. This is particularly important for investors making regular investments, as accumulated commissions can significantly erode long-term returns. By investing through uSMART, you can allocate more funds to actual investments.

2. No Platform Fees

Besides commission-free trades, uSMART does not charge platform usage fees. This allows investors to enjoy a lower cost structure in long-term investments, further enhancing investment returns. This is especially beneficial for frequent small investments, as the absence of platform fees effectively reduces overall investment costs.

3. No Custody Fees

uSMART also offers the advantage of no custody fees, meaning you do not need to worry about management fees for account funds. This exemption provides investors with greater flexibility to manage liquidity and investment strategies.

4. Convenient Investment Experience

The uSMART platform features a user-friendly interface, allowing investors to easily set up a monthly investment plan and automate their investment process. The platform supports various payment methods, enabling investors to adjust their investment amounts flexibly based on their financial situation and investment goals.

5. Support for Fractional Shares

uSMART allows investors to make fractional share investments, meaning you can invest according to your set monthly amount even if you do not have enough funds to buy a whole share, further lowering the investment threshold and enabling flexible allocation.

How to Purchase Monthly Stocks on uSMART

Step 1: Log into the uSMART HK app and click "Trading" at the bottom right of the page.

Step 2: Click on "Dollar-Cost Averaging" in the second column of the page and select "All Dollar-Cost Averaging Stocks."

Step 3: Choose your desired dollar-cost averaging stock, select the investment amount, deduction method, and deduction date, then create your investment plan.

Once confirmed, the investment plan will take effect in real time.

(SOURCE: uSMART HK)