With the continuous development of our society, our daily life has also been greatly improved and improved. Now people's living conditions are much better than before. Even ordinary families can afford cars and houses. After the economic conditions are good, we will enrich our lives to improve our happiness. However, it is undeniable that in our life, we have to experience many setbacks and hardships. If there is an accident, our family may collapse, so many insurance companies have launched various insurance products. Choosing an insurance that suits you can get compensation in the event of an accident, which will reduce a lot of economic pressure. Recently, many people are discussing the Agricultural Bank Hongfu Fund, which is a relatively unpopular insurance product. Not many people know. But I'm not optimistic about this product. Let me tell you more about this insurance.

1. The profit of this product has been greatly exaggerated.

According to the rules of this insurance, as long as you pay the fee for ten years, assuming that you are still alive at the end of the guarantee period, a * * * can get a survival fund of 794,000 yuan, and you can also get a return of 654.38+100,000 yuan when the insurance expires, so you can get back more than a dozen dollars if you invest one dollar. Even Buffett can't guarantee such a large profit multiple, let alone a profit-oriented insurance company.

2. Then I said the dividend rules of this product.

According to the rules of this insurance, if you pay 65,438+00,000 yuan a year, you can get a dividend of 65,438+067 yuan at most. If you are unlucky enough to reach the lowest level, you can only get a 26 yuan. This is the uncertainty of dividends, and this important rule is generally ignored by salesmen when you buy insurance. From this perspective, this product is also very unreliable.

I can get back the principal after the purchase expires, but I am losing money.

Don't worry, you can get the principal back. If they dare to breach the contract, they can sue directly. But according to what we said above, you have to wait ten years to get back the principal of 654.38+ ten thousand in time. According to the general law of inflation, at that time, 6,543,800 yuan could only buy 50,000 to 60,000 things now. It's a loss anyway, don't you think?