Hello ~! I think your starting point is wrong.

what is the most basic and main function of insurance? It's security. We buy insurance, not how much it will go up after buying it, but how much economic compensation insurance can give me or our family when we unfortunately have an insurance accident.

There are many insurance companies whose dividend-paying endowment assurance is quite good, that is, it can provide protection, and the insurance money can be refunded at the expiration. For example, endowment assurance, the auspicious wish of Xinhua Life Insurance, is good.

financial management, there are many financial products on the market now. If you like excitement, you can stock; To be more stable, you can choose a fund. If you want to buy a fund, I personally suggest you buy an index fund.

You are now 21 years old. I suggest that you don't buy too many insurance products. The insurance you buy should focus on accident insurance. For example, you can buy an accident insurance of 1, yuan, and the premium is generally 2 yuan. In this way, you can attach some health insurance, but you don't need a lot of insurance money, and 1 yuan is enough;

You should invest more money in stocks or funds. As for stocks, it is recommended not to buy and sell them repeatedly, but to hold them for a long time. The stock selection criteria should be the financial industry, because the development prospects of such stocks are particularly good, followed by consumer categories. Fund, or index fund is good, now the stock market is at a low point, and the future growth is very strong!

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.