As the investment categories of monetary fund projects are generally some varieties with high safety performance and stable annualized interest rate, such as China bonds, central bank bills, commercial acceptance bills, bank time deposit certificates, etc. Low risk, stable income and low income.
If only in terms of income, it is actually better to deposit the money fund in the bank on a regular basis. At present, some money funds have fallen to 1.5%, and the annual interest rate of three-year deposits is as high as 2.75%, and some banks are relatively high, which may reach 3. 15%. In this respect, it is not cost-effective to deposit money funds.
On the other hand, the money fund can deposit and withdraw money at any time, which is generally t+ 1, so the coordination ability is better and the deposit period is very long. If it is not cost-effective to withdraw in advance, it may be calculated according to the current interest rate, so everyone needs to consider their own situation when making deposits.
What are the accident insurances? 1. Hardware configuration: comprehensive accident insurance.
Comprehensive accident insurance is a kind of accident insurance with wide coverage and the highest cost. All deaths or disabilities caused by accidents are within its scope of protection (excluding liability). General comprehensive accident insurance can cover about 500,000 yuan a year through the premium in 600 yuan. For most goods, you can choose additional medical and ambulance expenses. The greater the specific content, the greater the insurance cost. Comprehensive accident insurance is the hardware configuration of accident insurance. On this basis, you can upgrade short-term special accident insurance such as traffic accident insurance and holiday travel accident insurance according to your own specific situation.
2. Filling equipment: traffic accident insurance
Accidents caused by traffic trips include airline accidents, freight train accidents on railway lines, public traffic accidents in cities where goods are transported, urban rail line accidents and private car accidents. Traffic accident insurance will include one or several categories.
Frequently asked questions about buying insurance accident insurance 1. Accident insurance is consumer insurance, regardless of age. Give priority to with a year. When you apply for insurance, you need to remember that you need to buy it immediately after it expires, so as not to cause a protection gap;
2. The effective time of accident insurance is generally 0: 00 the day after purchase, and there is no unique requirement. If the purchase does not take effect on the same day, it should be purchased in advance;
3. Commercial insurance exclusions generally include: drunk driving, driving without a license, drug abuse, suicide, etc.
4. In order to prevent risk prevention and control measures, the insured amount of accident insurance for minors is limited to 65,438+10,000 yuan;
5. Generally, "sudden death" is called a disease, which is not covered by accident insurance.