Is insurance financing reliable?

Reliable, because commercial insurance financial management is insured by insurance companies, as long as the insurance financial management products sold by your reliable insurance company have been registered with the China Banking Regulatory Commission, whether it is the product system or the company’s sales qualification certificate (such as capital adequacy ratio

, comprehensive grading) will also be subject to strict supervision.

In addition, insurance companies cannot go bankrupt casually, because they will be supervised and managed by the China Banking Regulatory Commission. Once the company cannot be revived, a corresponding insurance company will be designated to take over the management, and the signed policy will also be executed in accordance with the insurance regulations, and the insured will

People's interests are generally not affected.

The main forms of insurance financing include participating insurance, universal insurance and investment-linked insurance.

In addition to its protection function, participating insurance can also participate in income distribution every year based on the company's operating conditions, but income distribution is not guaranteed.

One of the characteristics of universal insurance is that the insurance premium is divided into three parts, one is the protection cost, one is the insurance company's period fee, and the other is financial funds. If you need money urgently, you can withdraw part of it and increase it.

However, universal insurance will also have service fees in the early stage, and the proportion of service fees deducted will decrease as time goes by. Universal insurance also requires long-term investment to truly reflect profitability.

Investment-linked insurance is very similar to universal insurance, but unlike universal insurance, there is no minimum annual interest rate. Insurance companies set up three types of investment accounts according to high, medium and low authority, and determine where to place their financial funds based on the financial market.

Types of accounts, unlimited profits and no minimum tension.

How about spending all your money on financial management?

There is no problem in investing all your money in financial management, but please note that it is difficult to guarantee the safety of the principal. Since all financial management is risky, the principal will generally not be kept, and there is a possibility of losing money, so you can also buy all your money in financial management, but

Risks need to be taken.

If you can't bear particularly large risks, you can give priority to low-risk financial management. If you care about the coordination ability of financial management, you can consider monetary funds. Monetary funds invest in the financial market and have a higher probability of losing money.

small.

Is it feasible to spend all your money on financial management?

Whether it is appropriate to invest all your money in financial management depends on your own situation. If you want to pursue profit first, you can bear a certain amount of risk, but buying financial management is low-risk, and the risk is relatively small, and the probability of losing money is

It's okay if it's smaller.

But be careful not to buy all high-risk financial products just because you see the profits. That would concentrate the risk too much. When the financial market is not going well, you may actually suffer serious losses, and it will be difficult to even maintain your living expenses. Therefore, in

When buying financial management, you should be rational, analyze it based on your own situation, and find a financial management solution that suits you. If you are worried about risks, you can also set aside some funds for regular deposits.

Is it safe to invest all your money in investment banking?

The first reaction when seeing this problem is that it is unreliable.

Because an economist once said: Raw eggs do not need to be placed in a pocket, everyone allows it and praises it as true knowledge.

What everyone attaches importance to is that financial management requires effective financial planning and promotes the development concept of financial planning.

But Bicaijun believes that putting all your eggs in one pocket means investing all your funds in a certain product is unreliable, or using all your funds to invest in a certain type of product is unreliable and we don’t agree with that either.

This method is not compatible.

The answer is no.

Since the advent of direct banking, not only can you manage money online, but you can also choose from a wide variety of products.

As the country's first mobile product comparison and selection service platform that connects financial institutions, Bicai's products on sale can be summarized into the following categories: loans, financial products, monetary funds, and bond funds.