1, issuer
The issuer of insurance financing is an insurance institution, which generally sells through banks, but banks will not be responsible for product risks and expected returns. After investors buy the bank's wealth management insurance, if there is a claim dispute, they need to find the corresponding insurance institution.
The issuer of fund financing is a securities company, which generally exists in the form of bank consignment. Banks charge commissions and are not responsible for product risks and expected returns. If investors encounter problems, they also need to find corresponding fund issuers to solve them.
2. Subscription threshold
The subscription threshold of insurance financing is relatively low, and you can buy it for several thousand yuan, some need to pay in one lump sum, and some can pay in monthly installments. There are many kinds of funds, and the common monetary fund subscription threshold is very low, which can be bought for a few dollars. Stocks, bonds and other types of funds, most of them are purchased from 1 1,000 yuan, and the starting point for the fixed investment subscription of funds is around 10- 1 1,000 yuan.
3. Expected income of products
Insurance financing is an investment function attached to risk protection. The expected income of products is generally divided into fixed expected income plus dividend expected income. On the whole, the expected income of insurance financing is not high. Funds are equity products, which generally have no fixed term and no fixed expected return. Different types of funds have different risk levels and different expected returns.
4. Investment period
The investment period of insurance financing is relatively long, usually several years or even decades. Funds generally have no fixed investment term, and investors can purchase and redeem them on working days, so the liquidity of funds is better.