2. Invest for ten years, * * * 20,000 yuan, 15 years later, you can get 20,000 yuan. Dividends are uncertain, which may be more, less or not.

If you invest well, it will be a little more than the deposit bank, but it is not as flexible as the bank, and the bank can withdraw it at any time.

3. Look at the insurance policy and the name. There should be no health insurance.

4. Don't retire yet. You don't have other good investments, and you will only give cash value when you retire. The loss is not small. Let's talk about 2000 a year. If you don't save it, you can spend it casually.

5. There is no problem with bancassurance products.

200 yuan every year, equivalent to 10%. This should not be within the scope of dividends, and a score of 10 is ok.