However, the fund focuses on investment, and the investment risk is far greater than insurance; Insurance focuses on protection and risk management. Of course, some insurance products can also achieve the function of investment and financial management.

Therefore, we cannot simply compare funds with insurance. Who is good and who is not? As you said, which is better, your nose or your eyes? After all, each has its own function.

For insurance, the principle of purchasing insurance is to give priority to social security, supplemented by appropriate commercial insurance.

The insurance cost is generally about 65,438+00-20% of the annual income, and it is better not to exceed 20%, that is, 65,438+000% of the assets are preserved with 65,438+000% of the funds.

For each of us, we should reconsider medical and health insurance. Directly speaking, with the growth of age, people's physical resistance is inversely proportional and their ability to resist related risks is relatively weak.

To tell the truth, we have been making money and spending money all our lives, so why is everyone working so hard? Future pension, medical care, children education, etc. However, you must have a healthy body. Smart people know this truth. Only by ensuring the capital to make money can you earn more money. Therefore, it is very important to buy adequate medical insurance. If health is not guaranteed, no amount of old-age insurance is realistic.

I suggest you buy social security provided by the state (preferably by a company), such as cooperative medical insurance for rural hukou or medical insurance for urban residents for urban hukou, and then consider commercial insurance as a supplement.

Here, I know that there are three universally recognized words in this industry, which are "brand in life", "safety talent" and "Xinhua product"

Finally, we should pay attention to the principles of insurance:

(1) Buy medical health first and then insurance. Health can ensure that customers have everything.

(2) Buying insurance pays less attention to words than contracts. Life insurance is generally a lifetime contract. If you buy it, you will be happy for life, otherwise it will have a great impact.

(3) Insurance products need to have the function of maintaining and increasing value. With the improvement of living standards, inflation must be curbed.

(4) to buy insurance, we must first protect the head of the family. If the main wealth creator in the family is not guaranteed, what is the premium? Living expenses? Family expenses are not guaranteed.

(5) It is meaningless to buy insurance before buying children, saying that adults have no protection and children have more insurance. After all, adults are paying for children.