Jinghong Xinyi Bao is an insurance wealth management product in Jingdong Finance. Essentially, it is an investment insurance, which neither guarantees the principal nor the minimum expected return. A friend asked us, what about this product? Let's make a brief evaluation, please see below.

Jinghong Xinyi Bao is an investment-linked insurance, which has both insurance protection (life insurance) and investment functions. The insurer is Hongkang Life Insurance. The historical annualized expected return of this insurance financing is 5.59%, which does not guarantee the minimum expected return. The insurance period (investment period) is 3 years.

It is worth noting that the initial cost of 1% needs to be deducted for insuring this product, and the refund premium will be charged for surrendering after the hesitation period. Surrender in the first policy year, charging 5%; Surrender in the second policy year, charging 3%; In the third policy year, 2% will be charged for surrender.

Security of Jinghongxin Ipoh

Jinghong Xinyi Bao neither guarantees the capital preservation nor the minimum expected income. The historical annualized expected rate of return of 5.59% is short-term data, and the expected rate of return may change in the future. This product mainly invests in fixed expected income assets such as deposits, bonds and asset management plans.

From the historical experience, investment-linked insurance may not reach the expected expected rate of return, but the probability of loss is still relatively small, so the safety of Jinghongxin Yibao can be assured.

Jinghong Xinyi Bao expected rate of return

The expected rate of return of Jinghongxin Yibao is 5.59%, but the insurance fee 1% needs to be deducted. Its investment period is three years, the capital lock-up period is relatively long, and the surrender loss is relatively large. If it is held at maturity, this expected return has little advantage over time deposits and time financial management.

Generally speaking, Jinghongxin Yibao is an investment-linked insurance product and does not guarantee the minimum expected return. From the historical experience, the principal risk of such products is relatively small. This product has a long investment period, insurance cost and expected rate of return is not very attractive. We suggest choosing time deposits from private banks or time financing from Alipay and Licaitong.

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