1. Equity funds: high returns and high risks.
Second, insurance: the ability to guarantee and appreciate.
Third, banks: low income and flexible withdrawal.
Any professional insurance salesman will not ask you to spend all your money on insurance. Investment mainly depends on your portfolio.
There are many people who lose money by trading stocks and buying funds. Some people say how much they earned by buying funds. In fact, as long as you don't leave the stock and fund markets, you can't say that you are making a profit or losing money.
Insurance can't see the benefits in the short term. In the long run, the income is much higher than that of banks, and there will be no loss (as long as you don't buy or surrender in the short term).
Deposit banks have the lowest income, but they can get cash immediately when they need money, which is the most important financial channel for China people.