The fraud group first took control of a Hong Kong insurance brokerage company and set up an investment fund in the Cayman Islands. Then 10 Many insurance brokers lobbied 263 victims, bought AXA Linked Insurance, and finally invested in this fund. The endorsement of AXA, the global insurance giant, and the misleading publicity of 9%- 12% annual income made the insured mistakenly think that this fund was "a sure profit without loss". Under the careful layout of the swindler, the insured is like a lamb to be slaughtered, and has ushered in a ruthless harvest.
After a year's investigation, the Hong Kong police finally arrested 13 male 1 1 female for conspiracy to defraud and money laundering, and cracked a fraud case of HK$ 475 million.
From this case, we should learn several lessons from financial management:
1. Buying investment-linked insurance may have high returns or huge losses, and the insured needs to bear the consequences. If you don't know, blindly investing in investment-linked insurance can easily become a "leek". Generally speaking, investment-linked insurance is more suitable for friends who pursue high returns and can take high risks. Moreover, there are also sales in the mainland, so there is no need to go further and further.
2. Investment-linked insurance is a very niche product. In fact, most insurance returns are very stable. Then, if you can't bear the risk of investment-linked insurance, what insurance can you manage your finances?
We summed it up and divided it into four types. These four kinds of insurance are not absolutely good or bad, and are suitable for different people.
(1) If you want to be an education fund or a pension, you can choose annuity insurance and get your money back in the agreed year.
(2) If you just want spare money for financial management, universal insurance is recommended. At present, the income of 3%-5% is already very good, and you can add and withdraw funds at any time.
3. If you want to leave money for your children, it is suggested to increase the insurance coverage in whole life insurance. After the age of 100, wealth will be automatically passed on to the beneficiaries; If you need money urgently, you can also withdraw it in advance.
If you pursue high returns: investment-linked insurance is similar to "investment fund", you can get high returns when the stock market is good, but you may also lose money.
Don't touch wealth management products you don't understand casually, or you don't know where to complain if you lose money.
3. If you feel that the insurance income is not high, then you can consider the fixed investment of index funds. As long as we can stick to the fixed investment, we will get 50%- 100% income in 5- 10 years. This method has many advantages:
① 10% annual income is not a dream. The stock market fluctuates, and there is a bull market in China every seven years on average. For example, the last two bull markets appeared in 2007 and 20 15 respectively, and there are also signs of bull markets this year. As long as we insist on long-term fixed investment, it is not difficult to buy in batches and sell in bull market, and the annual income will reach 10%.
(2) The risk is dispersed and the safety is high. The fixed investment of index funds is a way to spread risks. Because it will help you buy hundreds of stocks at the same time and avoid stepping on junk stocks in the whole warehouse; Moreover, it is a long-term investment, which helps you to buy regularly every month, and also prevents you from being deeply trapped by buying at a high level at one time.
③ Simple operation and compulsory savings. The ancestors said, don't panic if you have food in your hand. If you really can't help spending money, the fixed investment of the fund can help you save forcibly. The specific operation is very simple. As long as you set the time in advance, such as deducting money on the second day of monthly salary, then the fund can help you intercept the next sum of money, and many a mickle makes a mickle.
④ The adjustment is convenient, flexible and fast. Compared with other financial management methods, such as insurance, another major advantage of the fund's fixed investment is flexibility: the minimum monthly investment is 10 yuan, which is very suitable for young people who just work and have little money. If you need to get married and buy a house halfway, or have other better investment methods, you can sell it at any time according to the profit and loss situation.
The high return of investment-linked insurance also hides high risks. I hope everyone can look at this product objectively and be a rational and mature investor. Finally, I want to remind everyone that we should "guarantee first, then manage our finances". If there is no good guarantee, then give priority to critical illness insurance, medical insurance, accident insurance and term life insurance.