如何安放我们未来的三十年？

Group 1 - The article emphasizes the importance of personal wealth management and long-term retirement planning in the context of rising inflation and decreasing purchasing power, highlighting that wealth can shrink by nearly half over 30 years at a 2.2% inflation rate [1] - The current low-interest-rate environment has led to a significant decline in deposit rates, with three-year deposit rates dropping from 2.6%-2.75% three years ago to 1.25% today, indicating a trend that is unlikely to change in the near future [5][6] - The introduction of "Y shares" in public funds, specifically designed for personal pension investments, is gaining attention due to their low fees, tax benefits, and strict regulatory requirements, with the total market size surpassing 15.1 billion yuan, a 65% increase from the previous year [9][10] Group 2 - The Huatai-PB CSI Dividend Low Volatility ETF Link Y (022951) is highlighted as a notable fund within the Y share category, boasting a dividend yield of 5.05%, which is significantly higher than other major indices, making it attractive in the current low-interest environment [12] - The dividend low volatility index, which the fund tracks, has shown a strong historical performance, with 75% of its allocation in stable traditional sectors such as finance and utilities, aligning well with the long-term investment goals of pension funds [11][14] - Concerns about the sustainability of the dividend low volatility strategy are addressed, with evidence suggesting that the strategy's effectiveness is supported by a favorable policy environment and increasing cash dividends from A-share companies, which rose by 16.8% year-on-year [17]