Some Divi questions about vaulting and integration

DIVI questions with my coffee.

Ranges of proposed vaulting time, denominations and returns involved?

How do these compare to more traditional long term savings accounts CD’s, IRA’s, college savings accounts?

Will we be able to continually contribute to a vault?

Would Etch be interested in an employer sponsored retirement account vaulting plan?

Will Divi be implementing a framework at some point in the future to allow interested coins to apply for integration into the Divi wallet upon meeting requirements like having the proper bitcoin improvement protocols installed or will this process be an internal or community decision at some point?

What risks are there to consider when choosing a coin to integrate?