If the statutory assessment interest rate of annuity insurance rises by 3.5% or 15%, it will be 4.025%, which is the upper limit of annuity insurance interest rate stipulated by CBRC.
Is the predetermined interest rate of annuity insurance products. The higher the predetermined interest rate, the higher the amount of insurance returned at a certain age, and the more you receive.
There are many annuity insurances with a predetermined interest rate of 4.025% on the market. Are they all the same? Can I buy any one?
I believe many people have the same confusion, so did I before. Different insurance agents are preaching that their annuity insurance is the annuity insurance with the highest predetermined interest rate.
Everyone should know that an annuity with a predetermined interest rate of 4.025% is not the same as the annual interest rate that everyone usually thinks. It needs to increase the cash value after deducting operating costs, employee salaries, commissions, etc. The annual interest rate is 4.025%. Moreover, the scheduled expense rate of each family is different, which will show the difference in cash value of the policy demonstration.
So how to choose a product?
Look at the plan presentation, whoever buys it is the highest, because the cash value confirmation of the plan presentation is written in the insurance contract, and you can really get benefits.
Do we need to configure annuity products?
Speaking of financial management methods, there are mainly bank deposits, bank financial products, money funds, trusts, stocks, private equity funds, p2p and so on.
At present, the bank deposit interest rate is around 0.35%, which is only suitable for the usual spare money deposit.
At present, the interest rate of bank time deposits does not exceed 3%.
The annual interest rate of the baby money fund does not exceed 3%.
The annual interest rate of bank guaranteed wealth management products shall not exceed 4%.
The annual interest rate of trust products is about 8%, and the starting point of trust is 1 million, which is suitable for people with large funds. When buying a product, it needs to be carefully identified, and there is a certain risk of default.
The stock is flat, eight losses and one profit, so invest properly.
Private equity funds have high returns and high risks, so we should be prepared for the loss of funds. Suitable for the risk preference of some people who pursue high income.
Do you need to say more about p2p? Last year, there was a thunderstorm. This year, the industry was cleared, and the annual interest rate was about 10%. At present, it is not suitable to be big and small.
At present, the annual interest rate of ten-year national debt is about 3.2%.
The new structured deposit is around 5% according to the gear, which is also the first choice for the stable allocation of short-term funds at present, but the sustainability needs time to verify.
To sum up, it can be seen that if you have a sum of money that you don't intend to use in 20 years, I can tell you that annuity insurance is your first choice, or at least a good choice for your fund allocation.