Dividend insurance is a kind of insurance with both security and financial management, with diversified investment channels, such as government bonds, agreed time deposits and large-scale infrastructure construction bonds. However, experts suggest that if it is a pure investment, dividend insurance may not be the best choice, and the mentality of buying dividend insurance should be security first and financial management second. Dividend insurance accounts with diversified investment channels mainly invest in fixed-income products and money market instruments, including bonds and large-sum agreement deposits, and can also invest in securities, funds and stocks, of which investment funds shall not exceed 15% of the company's total assets at the end of last year, and investment in stocks shall not exceed 5% of the company's total assets at the end of last year. Because the investment channels are more diversified than individual investors, the possibility of obtaining income is also greatly improved. When interest rates go down, dividend insurance has become the choice of many investors. With the emergence of pessimistic macroeconomic data, people's confidence in the future investment market has become increasingly uncertain. For investors, the biggest goal of financial management is to ensure that assets do not evaporate invisibly when inflation intensifies. Dividend insurance can effectively resist the influence of inflation because of its annual dividend and compound interest accumulation. Dividend insurance has a prominent protection function, and its main investment channels are government bonds, agreed time deposits and large-scale infrastructure construction bonds. Since last year, the continuous warming of the bond market and the fiery infrastructure construction have made it possible for insurance institutions to obtain higher returns. Experts suggest that at present, funds, bank wealth management and securities firms' collective wealth management all provide investors with investment channels. From the perspective of pure investment, dividend insurance is not the best choice. Because after investors buy dividend insurance, not all the premiums go into investment and wealth management accounts, so the protection function should be put in the first place when choosing dividend insurance. The protection function of dividend insurance is incomparable to other wealth management products. The first is protection, and the second is the correct investment mentality of buying dividend insurance. As the lowest part of the pyramid of family and personal financial assets allocation, insurance can not only "add icing on the cake" like other financial financial products, but also "send charcoal in the snow" to the insured. "Buying insurance is to obtain higher personal risk protection with relatively little investment. The purpose of our insurance is to transfer risks or resolve risks. The earlier we plan premiums, the cheaper they are and the safer our finances are." The financial planner of Bank of Beijing pointed out the role of insurance in personal finance. Further reading: Dividend insurance channels-individual insurance and individual bancassurance