Advantages and disadvantages of insurance compared with banks \x0d\ Advantages of banks: 1, flexible deposit and withdrawal 2, relatively stable interest (theoretically, it must be deposited for five years before being transferred, otherwise it is not as good as CPI) 3, relatively safe (compared with funds, stocks and futures), but it is easy to be blocked in case of any emergency, \x0d\ Disadvantages: 1. It is difficult to achieve the ultimate financial goals, especially the long-term financial goals (such as children's education funds, pensions, etc.). Under special circumstances, it may be misappropriated-business, car purchase, house purchase, urgent need of friends, etc. )\x0d\2。 Once the time deposit is withdrawn before the maturity date, the interest will be based on the current interest rate. Under the current high CPI, the bank's money is shrinking slowly. \x0d\3。 Under some special circumstances, the money in the bank may be seized (sued, investigated by public security law, involved in economic disputes, even divorced, even attacked by hackers (such cases abound) \x0d\ The insurance disadvantage is 1, which makes it convenient to deposit money, inconvenient to withdraw money, and even great losses will be incurred when it is surrendered \ x0d \ x0d \ 3. It usually takes 20 or even 40 years to get it. \x0d\ Advantages: 1. Special funds are used for compulsory savings and medium-and long-term financial planning (education funds, pensions, and return of serious illness). At the same time, manage the risk and transfer the risk to the insurance company to avoid the change of family members' quality of life caused by personal accidental disease risk. \x0d\2。 Dividend insurance can resist inflation and interest rate fluctuations to a certain extent (but it must be based on a certain amount of principal+time+interest rate+term), and at the same time realize the function of maintaining and increasing value through compound interest. \x0d\3。 Ensuring the safety of funds (truly separating enterprise assets from family assets) is the focus that every entrepreneur should pay attention to in the 2/kloc-0 century. This is what we usually call the firewall function of insurance. \x0d\4。 To truly realize the preservation of personal assets, according to the provisions of the Insurance Law, no unit or individual may interfere with the beneficiary's claim for insurance money. This is the unfreezing of funds \x0d\5, convenient and timely cash flow-providing low-interest (even interest-free) loans to the rich. As long as you have saved enough premiums in the insurance in the early stage, you will be given a cash flow loan in case of emergency. \x0d\6。 Only by realizing the function of tax avoidance can we truly realize the inheritance of wealth and let the rich realize it for three generations. \x0d\7。 Once the most important security functions (birth, old age, illness, death and disability) occur, you can get a large amount of compensation. Although no one wants to take it, it's better than nothing.