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Core Insights - The Financial Regulatory Bureau has announced adjustments to the risk factors for insurance companies, lowering the risk factor for stocks held over three years in the CSI 300 Index and the CSI Low Volatility 100 Index from 0.3 to 0.27, and for stocks listed on the Sci-Tech Innovation Board held over two years from 0.4 to 0.36 [1] Group 1 - The adjustment is expected to alleviate capital pressure on insurance companies, theoretically bringing in long-term market funds in the range of hundreds of billions [1] - The lowered risk factors are anticipated to enhance the solvency adequacy ratio of insurance companies, thereby releasing incremental funds for investment [1] - High dividend, low volatility assets are becoming a favorable solution for insurance capital allocation, especially in the context of the new accounting standards [1] Group 2 - The encouragement of "long money, long investment" is likely to lead to a continuous influx of capital into the low volatility dividend sector [1] - Investors can conveniently allocate related assets through index investment tools such as ETFs [1] - E Fund is currently the only fund company that implements low fee rates for all dividend ETFs, with management fees for its products set at 0.15% per year [1]