Then the biggest difference between your talent product and endowment insurance is actually its risk. The risk of wealth management products is always greater than that of endowment insurance, which is actually a relatively stable wealth management product, and the younger he is, the less he needs to bear the cost. Therefore, if you want to have better life finance and old-age insurance in the future, it is something you need to consider and decide.
The advantage of wealth management products is that many wealth management products have a short term, and some can be taken out at one time. This wealth management product is very flexible, that is, it can be taken out immediately when you need money in an emergency, and you can invest after using it. The disadvantage of endowment insurance is that the money you put in is not financial management. If you give it to the platform for safekeeping, you can't take it out. Therefore, endowment insurance can never account for too much of your investment and financial management. At this time, your financial thinking is wrong.
Buying old-age insurance can also add luster to your retirement life, provided that you know nothing about finance and are unwilling to understand it.
My personal suggestion is to learn more about finance and put your money in different egg baskets. Endowment insurance, you can buy wealth management products or distribute your money in a balanced way, and you will get more benefits when you get old. If you give old-age insurance unilaterally, then when you need money badly, the money around you is not enough. What can you do? Right?
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.