First, an undeniable reality is that we have entered an era of longevity. According to statistics from the National Health Commission, from 1990 to 2024, the average life expectancy of Chinese people has increased from 68.5 years to 79 years.

Second, in the coming decades, the appreciation and liquidity of assets will both face significant uncertainties. For retirement, cash flow income is the expectation for a stable life. No need to worry about stock market fluctuations, asset depreciation, or living too long.