1. Why do you say you can avoid taxes and debts?

The assets of the global fund wealth management account based on the insurance structure are under the supervision and protection of the insurance law. According to the law, the income from these assets can be exempted from income tax and inheritance tax. At the same time, the benefits of these insurance policies cannot be matched by debt.

2. if the financial advisory institution closes down, will the investors' funds be safe?

Your financial advisor is a third-party independent financial consulting organization, and does not handle clients' funds. All your funds are completely in the name of your bank custody account, and are fully protected by the banking law, insurance law and trust law of the jurisdiction. The operating conditions of financial advisory institutions will not affect the rights and interests of customers' accounts at all, so investors can rest assured.

Just like a customer opens a stock account in China after being introduced by a securities broker, the account and funds are still the customer's own, and the broker only plays the role of introduction and suggestion, but can't control the customer's account and funds. And in case our wealth management company goes out of business, we cooperate with the standard life insurance company to appoint a domestic wealth management company to serve you, and there is no loss for you.

3. if the financial institution you invest in has problems, is the investor's funds guaranteed?

Your funds are independently managed by HSBC, the world's best custodian bank, and are management assets independent of financial institutions. The operating conditions of financial institutions will not affect your capital safety.

Your funds are strictly protected by insurance or trust laws. In case the financial institution stops operating, the regulator will appoint other asset managers to take over the management, and there will be no unattended customer accounts and assets. It's like you go to a securities company to open a stock fund account, but your funds are entrusted to the bank according to the agreement. Even if the securities company goes bankrupt, your funds will not be affected.

4. why is the expected average annual rate of return 18%?

First of all, your investment target is the funds managed by the top fund managers in the world. Your investment portfolio is distributed in the most growing countries and industries in the world, and the investment tools are diversified. From the historical data of these funds, many of them have an average annual return of over 18%.

For example, the famous BRIC Emerging Markets Fund has an average annual return of more than 3% in the past 1 years, MAN hedge fund performed 24.9% in 28, and Latin American fund has an average annual return of more than 4%.

In addition, we have a professional team of investment consultants who are always concerned about the global economic trends and fund performance, and seize the opportunity of investment conversion in time.

5. is the "global fund fixed investment" guaranteed? Is the profit guaranteed?

the fund allocation type of "global fund fixed investment account" can be selected as capital preservation type, steady type and enthusiasm. If customers want to protect their capital, they can choose to invest in products with guaranteed capital and interest or fixed income. Most of the funds in the "Global Fund Fixed Investment Account" have experienced the explosion of science and technology network stocks in the late 199s, the impact of the September 11th incident in 21, SARS in 23 and the financial tsunami in 28, and achieved excellent results and stood the market test.

6. what are the main risks of "global fund fixed investment account"?

first of all, we must understand that there is no risk-free investment, but only the difference between high and low. There are two main risks in investment:

market fluctuation risk:

investment should be in the medium and long term. In the financial market, the short-term volatility is larger than the long-term volatility, and the speculative risk of short-term speculation is higher and the chance of loss is greater. Through long-term portfolio investment as a wealth appreciation plan, the psychological pressure caused by short-term volatility can be reduced; Long-term strategy can offset short-term volatility and accumulate rich wealth.

Risk of exchange rate changes:

In fact, the depreciation of the US dollar and Hong Kong dollar is relative to the RMB, while the RMB has not appreciated against the euro, Canadian dollar, Australian dollar and Asian currencies. Investing in these markets can get the return of local stock market and currency appreciation at the same time. The assets you invest in can be assets in different currency markets, but only settled in US dollars,

effectively dispersing exchange rate risks. The appreciation of most currencies against the US dollar is much greater than that of the RMB.

7. Is my investment safe?

This product is called AXA Juanyu Investment Lianbao Plan, which is a global fund fixed investment plan publicly issued by AXA Financial Group in Hong Kong. It was approved by the Hong Kong Securities Regulatory Commission for filing, and relevant information can be found on the website of the CSRC. It is a formal product and an investment product in which many Hong Kong residents participate. Hong Kong is a global financial center, and the products issued in Hong Kong are invested by all investors in the world, so they are also suitable for me.