1. The annual fixed interest rate is 4.8 19%, which means 4.8 19% of the insured amount, that is, 4.8 19% of 20,000 yuan in the first year, which is right and very suitable, much higher than the one-year fixed interest rate. In the second year, I will still give you 4.8 19% of 20,000, but at this time you have already given 40,000 to the insurance company. Is it still appropriate? In the third, fourth and fifth years, it is still 4.8 19% of 20,000 yuan. How much money have you saved by this time? Is it still appropriate?
2. The dividend is 4.5%. Dividends are uncertain. Previous data can only explain the past. Who can guarantee the future? If the salesperson guarantees your future income, it is basically cheating in violation of regulations. You can look it up in the contract. Do you have this number? There can't be! According to the economic situation in recent years and the expectation of future development, look at the bear market again. Do you think it is possible to reach and maintain this dividend level?
3. Reasonable tax avoidance. At present, national savings deposits do not charge interest tax. The tax avoidance function of insurance is only reflected in the inheritance tax that has not yet been levied. Think for yourself.
4. Compound interest is 3.89%. How to calculate? What is the headmaster? Are you clear about these?
5. There is additional death protection. This usually only pays for accidental death and total disability, which can be regarded as a selling point other than financial management, but since you regard this as an investment and pursue income to achieve the purpose of maintaining value and fighting inflation, it is obviously not enough to be a decisive factor.
6. Insurance products have a fatal shortcoming, and their flexibility is too poor. In case of urgent need, you need to surrender in advance. At this time, after deducting the handling fee, you will lose a lot. I couldn't even get the principal back a few years ago, let alone the income.
The income of wealth management insurance may be higher than that of bank deposits in the same period, but it is only possible to pay attention. If the dividend level is low, it is not as good as bank deposit.
If you deposit 20,000 yuan every year for five years, and then continue to combine the principal and interest after each deposit expires, the income from 10 is about150,000 yuan.
If you buy bank wealth management products, the income will be higher.
Compared with insurance, the above two options have shorter term, flexible capital and higher income. Of course, if you can take higher risks, you can also consider funds and stocks.
My personal suggestion is: use the hesitation period of no more than ten days to apply for surrender.