Of course, as far as the options you mentioned are concerned, it can be said that if the bank repays regularly, if you repay monthly, the interest rate will be very low. Even now, few banks offer these monthly savings plans (that is, those that can be paid in one lump sum). It is generally expected that the annual rate of return will be 3 to 4%. Simple calculation, 4% return, 2000 yuan per month, after 4 years, you will probably have 10.3 million.

However, if you make monthly contributions, mainly conservative funds, you will get a return of about 8% a year, while if you make monthly contributions of 2,000 yuan, you will get 1 12000 in four years, with a total difference of 10%. Of course, the market is good now, and the return is definitely higher than 8%.

Hsbc contribution fund

In fact, there are relatively few types of funds that banks can choose. Generally, banks need to charge 4% or more subscription fees, but some financial advisers can give more discounts and are cheaper. For details, please refer to: .myblog.yahoo/kingfundinvest/article? mid=98。 fid=5

Insurance linked fund

Because your goal is to save mainly, and the time will not be too long, I would suggest that you buy some funds that contribute monthly, without any restrictions.

The advantage of these plans is that there is no time limit. You can redeem and sell them at any time. The money for the first 18 months need not be deducted, and the rest can be taken away.

As for the insurance linked fund, the handling fee is 1%, but there are actually other annual management fees and administrative fees, which are calculated according to the total amount of your investment assets, so pay attention to the detailed charges.

other

For details, please refer to the following website for more information about fund investment. , reference: fundexpert, hello! I'm Edward, Manulife's financial advisor. Welcome to call or email to inquire about insurance and fund matters.

My phone number is 96456485. E-mail: [E-mail protected]

Manulife in Standard & Poor's (Standard &; Standard & Poor's international investment rating is AAA (the highest international rating).

The rating reflects Manulife's sound financial strength, excellent investment portfolio and diversified distribution.

Manulife has a flexible fund product with a wide selection of funds, simple and low cost, no time limit and no redemption fee. One of the funds, Huawei Technologies, achieved a return of 62.5% last year (after deducting all expenses).

I am here to convey

Edward, 1. You may not get a better return after three or four years, because the investment period of mutual funds is 5 to 10 years, and you only pay monthly instead of yearly.

If you invest for a short period, that is, three years, I suggest you buy bonds.

2. The handling fee 1% is a bit high. I know some insurance funds.

Maintenance fee of $60 per year.

[email protected], I only know the insurance company's funds.

So I only answer your insurance fund for at least five years.

The return is not bad. If you want to know more, please contact me and discuss with each other.

I'll do my best to give it to you.

[email protected],