First of all, regardless of time value and inflation, the risk is low and the threshold is low. There are many financial investment products on the market now, such as stocks, funds, futures, foreign exchange, gold and silver. Stocks and funds are influenced by government and international economic policies, and there is great uncertainty. It is necessary to analyze financial news and the situation of listed companies. The two-way trading of futures and foreign exchange in the day is not only large in investment funds and volatile, but also influenced by international financial policies. Although the market fluctuation of gold and silver is small, it is expensive and the investment threshold is high. Compared with other financial products, this product is "safe". After all, most people are risk averse.

Secondly, this product has a high apparent return. Without considering the time value and inflation (taking the purchase of three points as an example), the total investment value = 3000 *10+10 */kloc-0+253 *10 = 32630, and the total recovery value = 30000. (According to the data, the bank's current interest rate is 0.4%, with a term of 3%), in which 10* bonus = (3000 * 0.4% *15+3000 * 0.4% *14+3000 * 0.4%+. And if this fund is deposited in the bank by stages in a common way of financial management, the income = 3000 * 3% *15+3000 * 3% *14+3000 * 3% *13+…+3000 * 3% * 6 =

At the same time, it also has many attractions, enjoying the protection function of insurance while the income is higher than the bank deposit. This is a long-term investment, so we should consider whether it can be recovered after many years. Compared with buying corporate bonds, the reputation of banks is much higher than that of many enterprises, and the recovery of funds is more secure.

For banks, because the apparent income of this product is obviously greater than the savings income, many people are willing to buy this product, which is a good thing, but at the same time, savings are reduced, and customers who buy this product are risk-averse, so the growth of this business may be entirely due to the reduction of savings. Moreover, in this highly developed era of science and technology, accidents occur frequently, and besides the financing cost is higher than the savings, we have to pay high accident compensation. So from the bank's interests, this is not reasonable for the bank, but this product has its unique charm. Therefore, banks should reduce the benefits to customers, such as not paying final dividends and paying dividends in one lump sum. Area income = 300 * 15+(3000 * 0.4% *15+3000 * 0.4% *14+3000 * 0.4% *13+...+3000.

For ordinary people, I give some investment suggestions. Consider time value, inflation and investment purpose.

Let's take this product as an example. If it is a general investment, this product is not suitable, because when investing, don't just look at the superficial income. General investment institutions will set the superficial income at a higher level. Money has time value, so consider its time value when investing. Here we still take this investment product as an example to illustrate. We compare all the expenses with the total amount recovered to present value. Because the national debt is issued by the state, it can be regarded as a risk-free investment. We usually use its interest rate as the time value rate. Data show that the average interest rate is 6%. Because the annual payment is 3263, and it is ten years, it is a group of annuities (the characteristics of annuities are: 1 fixed term, 2 equal, 3 two or more cash flows, 4 in the same direction), 15 years later.

Present value of total payment: A* =3000*6.802=23406 yuan.

(Note: indicates the present value of payment, a indicates annuity, and indicates the present value coefficient of an annuity with a time value rate of 6% and a term of 9 years. 6.802 is obtained by looking up the present value coefficient table of annuity. Because the first year is issued at the beginning of the year, there is no need to discount, so it is only nine years instead of ten years. The mathematical method in brackets is slightly different from the annuity calculation, but the difference is not big and acceptable. )

Total recovery present value: = Fv * = () = (30000+4500+12600) * 0.417 =19640 yuan.

(Note: indicates the present value of the total recovered amount, FV indicates the final value of the total recovered amount, and indicates the present value coefficient of compound interest, with a time value rate of 6% and a term of 65,438+05 years. = 0.465,438+07 is obtained by checking the present value coefficient table of compound interest. The mathematical method is in brackets, and it is acceptable to calculate the result with the present value of compound interest. )

The present value difference between investment and recovery is 3766, so if it is for the benefit, this product is not cost-effective, not as good as national debt, because any investment should first consider risk control, followed by income, and the term of national debt is much shorter than this product, so the income is more considerable and there is no risk. If you value its insurance claims, that's desirable. After all, you can buy a public transportation accident claim with a present value of 3,766 times, and you can enjoy 70%-90% hospitalization medical reimbursement for major diseases in 15 years.

After considering the time value and investment purpose, we should also consider inflation. In China, the inflation rate is rising year by year, so money is becoming less and less valuable. Therefore, investment under inflation should establish a correct investment concept and correctly understand various investment products. For example, real investment under inflation is a better investment, which offsets part of the inflation rate to some extent. Of course, no matter what kind of investment, it depends on the individual situation.