LPR年内首降，一年定存利率跌破1%，高股息ETF如何把握？

Group 1 - The Loan Prime Rate (LPR) has decreased for the first time in 2025, with the 1-year LPR at 3.0% and the 5-year LPR at 3.5%, both down by 10 basis points from the previous period [1] - The last LPR reduction occurred in October 2024, when both the 1-year and 5-year LPR were lowered by 25 basis points, followed by six months of stability [1] - Major banks, including six large state-owned banks, quickly adjusted their deposit rates following the LPR cut, with the 1-year fixed deposit rate falling below 1% [4][6] Group 2 - The reduction in LPR is beneficial for borrowers, particularly those with mortgages, as it leads to lower monthly payments [6] - Investors are faced with the challenge of preserving capital and achieving stable returns in a low-interest-rate environment, prompting interest in high-dividend stocks and ETFs [6][7] - A report from Anxin Securities indicates that during Japan's prolonged economic downturn, only four sectors outperformed: high dividends, overseas investments, consumer alternatives, and technology [6] Group 3 - The top-performing dividend indices include the Shanghai Stock Exchange (SSE) Private Enterprise Dividend Index, which has a dividend yield of approximately 6.9%, although no related products are available [9] - The SSE State-Owned Enterprise Dividend Index focuses on high cash dividend yield and stable dividend-paying state-owned enterprises, with significant representation from low-valuation sectors like banking and coal [10] - The SSE Dividend Index, which includes a broader range of stocks, has a slightly lower dividend yield but has shown better returns over the past six months due to its diversified sector exposure [10][11]