You should be talking about dividend insurance, which is also the most popular financial insurance in recent years. Dividend insurance in China has different names, but the functions are the same, and the rate of return and dividends are also different.
Let me explain to you the knowledge of dividend insurance trap and adapt to the crowd:
1 Some insurance company salesmen confuse customers and deceive customers for their own performance and income. Not everyone is suitable for dividend insurance.
Some small insurance companies even make a fuss about data and promise customers to compound interest, which is extremely irresponsible. (In fact, if you use Baidu to search for CIRC, you will get the annual dividend income ranking of all insurance companies in China. )
Dividend insurance has undeniable investment value, but its flexibility is poor, which is also the shortcoming of this kind of insurance. Even for dividend insurance, the most important value lies in protection, which is the main function of insurance.
Dividend insurance is characterized by the need to reserve an old reserve fund, which is usually much higher than the bank savings income, but it must be suitable for this kind of insurance if the family is relatively well-off.
Based on the above four points, I believe you will make a correct evaluation and judgment. When you look up the relevant information and shop around, you will find unexpected things. Sometimes data is more important than the numbers you see with your own eyes.
Dividend insurance is also a wealth management product; For every family in the future, financial planning will be an indispensable part of this family. Here is a comprehensive analysis of common wealth management products, as well as their respective characteristics and applicable people, to avoid entering the misunderstanding and bringing unnecessary losses.
Usually, the wealth management products we refer to mainly refer to five aspects:
1. Bank savings
2. Insurance fund
3. Stock futures
4. Real estate sales
Five, of course, there is a collection.
These five financial management methods have different financial management characteristics for different people.
I mainly tell you about the first three financial management methods, because the threshold is low, anyone can invest, but it is not suitable for everyone.
1. Bank savings
Demand deposit, lump-sum deposit, time deposit.
Features: strong flexibility, low threshold and reserve funds. It is suitable for the urgent need of family reserve and the best way for young people to reserve funds.
Advantages: no risk, no need for professional knowledge, strong flexibility and easy access.
Disadvantages: Low interest rates will devalue the currency for a long time.
Insurance funds (this kind of knowledge must be learned in the future, and getting married in the future is an indispensable family financial guarantee. )
Insurance companies are divided into two categories:
1 property insurance
2 life insurance.
Life insurance is divided into three categories:
(mainly to explain life insurance to you)
1 personal accident insurance
2 personal illness health insurance
3 Dividend insurance (universal insurance is not recommended)
(1) Personal accident insurance (1 annual fee: 100 yuan -400 yuan)
Features: accident protection.
Advantages: low cost, high safety and high accident rate at present. (Suitable for all people aged 0 -65. )
Disadvantages: consumers pay 1 year, no accidents, no compensation and no profit.
(2) Personal illness insurance
Features: sickness hospitalization insurance. (Not reported in the cold clinic)
Advantages: major disease protection, high security. (Suitable for people who are in poor health and have a family and a certain economy. )
Disadvantages: the cost amount is high. Although it is not consumer-oriented, it is not much different from consumer insurance. You can't take it out for use, just to ensure that it can accompany you to your old age.
(3) Dividend insurance
Features: Dividend saving.
Advantages: According to the annual return rate of insurance companies, dividends are accumulated, and the final return rate is usually much higher than bank savings. (Suitable for wealthier families)
Disadvantages: you can't take it out at any time, you can only use annual or monthly regular returns and bonuses.
2. Financial management based on funds
Features: the fund company invests with your funds, and the investment gains profits and pays dividends.
Advantages: Professional team investment is more secure than individual investment.
Disadvantages: At present, all domestic fund companies are not perfect and transparent. Often fund companies make money and investors don't. (No fund company comparable to Europe and America has been found, so investment is not recommended. )
3. Stock futures
Features: buying stocks, or futures, spot, foreign exchange, etc. To make a profit, you need very professional knowledge and be very familiar with this market.
Advantages: Super high profits. (10 people enter this market, 9 people lose money, and only 1 people can make a profit. )
Disadvantages: The risk is too high. If you don't pretend to know how to enter this market, you will be black and blue all over. Therefore, laymen are not advised to enter this market. )