高利率存款迎来集中到期的时间窗口，此类资产或成新选择

Core Viewpoint - The article highlights a shift in investment behavior among residents, moving from high-interest deposits to wealth management products due to a declining interest rate environment, which enhances the attractiveness of these products [1] Group 1: Wealth Management Trends - A significant number of residents are reallocating their matured high-interest deposits into wealth management products, leading to a steady growth in the scale of these products [1] - For instance, a certain joint-stock bank reported an 18.8% year-on-year increase in wealth management income for the third quarter of 2025 [1] Group 2: Capital Market Dynamics - With the stabilization and recovery of the capital market, stocks and funds are expected to become primary alternative assets for resident deposits, indicating a potential shift from "single savings" to "diversified wealth management" [1] - The article suggests that dividend-focused investment strategies may gain popularity, with index-based investment tools becoming a new choice for some investors [1] Group 3: Investment Product Performance - Data shows that the Dividend Low Volatility ETF (159547) has a dividend yield of 4.14% over the past 12 months as of November 3 [1] - The ETF also boasts the lowest fee rate in the market, making it potentially more attractive for medium to long-term investors due to the compounding effect of low fees [1]