Core Viewpoint - The current low interest rate environment has led to an "asset shortage," prompting investors to seek alternative investment opportunities, with dividend-focused assets emerging as a viable solution [1][2]. Group 1: Investment Environment - The continuous decline in deposit interest rates due to multiple rate cuts by the central bank has diminished the attractiveness of traditional savings [2]. - Dividend indices currently offer yields above 4%, positioning them as core tools to replace traditional fixed-income investments in the context of economic transformation and high household savings [2]. Group 2: Dividend ETF Strategy - The "Monthly Dividend Enjoyment" combination, consisting of three dividend ETFs, allows for diversified market exposure and style variation, with a unique design for dividend distribution that enables monthly payouts [1][5]. - The combination includes the Dividend Value ETF, the Hang Seng Dividend Low Volatility ETF, and the Dividend Low Volatility ETF, which collectively enhance stability and risk diversification while aiming for improved returns [5]. Group 3: Performance Metrics - Historical backtesting shows that an equal-weighted holding of the three dividend indices results in lower volatility and maximum drawdown compared to holding a single index [5]. - The annualized returns for the Dividend Value ETF, Hang Seng High Dividend Low Volatility Index, and Dividend Low Volatility ETF are 12.5%, 18.1%, and 13.1% respectively, with an overall equal-weighted return of 14.6% [5].