2. There are many kinds of commercial insurance: pension, dividend, income, guaranteed income, unexpected dividend, omnipotence, education and so on. There are also many kinds of fixed investment in the fund: steady, risky and risk-stable.
3, the risk of insurance is: surrender in a short time, the loss is great. The risk of fixed investment of the fund is: it is greatly influenced by the economic market.
4. The similarity between the two is that the funds you invest must be idle, and the payment of each installment will not affect your financial operation (insurance can be paid in batches or in installments, and the fund will only pay in installments).
5. Advantages and disadvantages: The most important thing about commercial insurance is that it has a guarantee function, which can be enjoyed as long as it is matched with specific additional risks, and there is no relevant guarantee for the fixed investment of the fund. In a good economic environment, the income of commercial insurance will be less than the fixed investment of the fund. On the contrary, commercial insurance can protect the capital, while the fixed investment of the fund may lose money.
6. Objectively speaking, the two have different functions in people's social life and different attributes in economic society, and they will inevitably have their own characteristics, and there is no certain or absolute good or bad factor.
7, according to their own financial situation, reasonable arrangement of their financial structure, it is best to have both.