In order to meet the market demand, major insurance companies have launched short-term financial insurance products, such as investment-linked insurance, dividend insurance and universal insurance. These three wealth management products are all launched with short-term wealth management products, but the insurance protection of short-term wealth management products is not much, mainly for the purpose of wealth management.
1. Investment-linked insurance: guarantee and investment are combined, and risks and benefits coexist.
Investment-linked insurance is the abbreviation of investment-linked insurance, which is a new insurance product form integrating protection and investment. Different from traditional insurance products, this kind of insurance focuses more on investment, similar to funds, and can also be said to be fund products in a sense. This kind of insurance is the most risky insurance product, which may get good returns, but it may also suffer serious losses.
2. New channels for saving and financial management.
Compared with investment-linked insurance, universal insurance is actually a variety that is more closely related to the change of bank deposit interest rate. As early as the last interest rate cut cycle, universal insurance has become an alternative choice for many depositors at a settlement rate slightly higher than that of time deposits.
3. Dividend insurance: it has little connection with the investment market and is relatively stable.
For the insured who buys dividend insurance, compared with investment-linked insurance and universal insurance, dividend insurance is less linked to the investment market, and the investment risk borne by the insured is relatively small. It is the most stable product in investment insurance.
Finally, I also remind you that although short-term wealth management products do have certain wealth management benefits, we should not just regard the wealth management products of insurance companies as a short-term investment tool, but just blindly pursue short-term benefits.
How to choose short-term financial products of insurance companies
After understanding the short-term financial products of insurance companies, let's take a look at how to choose the short-term financial products of insurance companies.
First of all, clear product terminology.
Users generally believe that the term of wealth management products is the value calculated from the date of purchase. In fact, the value date of wealth management products is otherwise stipulated. It is recommended to look carefully when buying short-term wealth management products.
Second, pay attention to the rate of return.
Due to the different investment scope, the expected rate of return of short-term wealth management products varies greatly. When choosing this kind of products, investors should focus on the possibility of realizing product income, refer to the performance of products in previous years, or pay attention to the analysis of market trends. This kind of internet financial products provided by guarantee companies is a better choice.
Third, pay attention to the subscription and redemption rates.
Subscription fee/subscription fee, redemption fee, annual product management fee, annual custody fee and performance reward for excess income. Although they often accumulate to a few tenths, they are enough to pile up like mountains. Therefore, when investors choose wealth management products, these seemingly small problems must be clarified.
Fourth, pay attention to the redemption time.
When investing in short-term wealth management products, we should pay attention to the redemption time and the huge redemption problem, which will affect the capital flow of investors.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.