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Is it better to buy insurance now or to invest in a fund?
These two products are essentially different, depending on what you really want. Insurance is the main function and guarantee. Insurance has its own rules for more than 100 years, which has become the main tax avoidance method for the rich in western countries. Article 85 of China's Insurance Law stipulates that an insurance company engaged in life insurance business shall not be dissolved except for division or merger, and Article 24 also makes clear provisions. No unit or individual may illegally interfere with the insurer's obligation to pay compensation or insurance benefits, and may not restrict the right of the insured or beneficiary to obtain insurance benefits. Article 16 also stipulates that after the insurance contract is established, the insurer shall not terminate the insurance contract, unless otherwise provided by this Law or the insurance contract. China's insurance law fully protects the legitimate rights and interests of the insured, the insured and the beneficiary, and the fund is an investment. Although it is diversified investment, the risk is relatively small, and the rate of return is sometimes higher than that of insurance, but no one and unit can guarantee that there is no risk. If you need protection, it is recommended to buy insurance. If you only pursue returns, you are discerning and have excellent financial knowledge. I suggest you buy a fund. At the same time, I recommend a product of Pacific Insurance Company for you:

I suggest you choose the old-age security of Pacific Insurance Company or the old-age security of Children's Music. Both types of insurance are guaranteed insurance that gives consideration to both protection and investment. Among them, Zhuang has a university education fund and the benefits of lifelong dividends. Children's music is mainly based on education funds. You can choose junior high school, senior high school and university to pay education funds separately, or senior high school and university to pay, or you can only pay in the university. There are three options. In your case. The annual payment is less than 1500 yuan, which can meet the basic tuition for children to go to school.

At the same time, you can also choose to buy Pacific Wealth for your son every year and return 8% of the insured amount every two years, or you can choose to receive it once a year. Please note that it is 8% of the insured amount, not 8% of the premium, and it will be returned once a year. Moreover, from the corresponding date of 2 1 effective date of the contract, 5% of the insured amount will be returned every year until life. If you don't receive all the bonuses and survival funds, you will get paid. Your child can buy insurance for two generations, which means that you pay the insurance premium for him now, and the burden on all aspects of the family is not very heavy now. You can put the annual survival money in first, and calculate the interest. After 20 years, your son will get married and have children, and you can take some of it to do everything for him. After retirement, you can use it as a pension. After a hundred years, the beneficiary will naturally be transferred to your son himself, and he will use it to support the elderly. . At the same time, you can also spend it like this: when children are young, spend less tuition, save money and bonuses, and then take them out when they go abroad for further study. Then because they have them every year, they can continue to accumulate them for you and take them out when the children get married. . . . Another advantage of buying for children is that the premium is lower and the benefit time is relatively long.

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