1, security. The fund is a risky investment and does not guarantee the principal and interest; Annuity is an insurance product that guarantees principal and interest. Annuity is superior to the fixed investment of the fund;
2. flexibility. In terms of payment, the fixed investment is subject to personal wishes, and you can vote or not at any time; Annuity is an agreed payment method. In terms of collection, if the fund wants to make a fixed investment, it can be partially cashed out or fully cashed out; The collection of annuity is stipulated in the contract at the beginning of purchase. You can apply for a policy loan when you need money urgently, but you can't withdraw it according to temporary ideas unless you surrender in advance.
3. profitability. Different types of funds, different fund companies and different fund managers operate different funds, and the income is different. Funds also rise and fall with the financial environment. Without rich financial knowledge and fixed investment experience, if you chase up and down, you may lose money. Annuity is an increase of compound interest, which can be attached to the universal account to ensure high income. Choosing a good annuity, the longer the time, the higher the simple interest.
Conclusion: If you are not an expert in investment, it is recommended to allocate annuity insurance.