This cannot be guaranteed.
China Life Guangyuan 366 is a personal pension insurance management product. This type of product does not promise to protect capital, nor does it guarantee a minimum expected return.
Its net value will change every day. Similar to fund products, the specific rise or fall is related to market capital. From a historical perspective, the annualized net value growth rate of China Life Guangyuan 366 in the past three months has been stable at around 4.5%, and the expected income is relatively stable.
What is the possibility of China Life Guangyuan 366 losing money?
From the perspective of risk level, China Life Guangyuan 366 is a medium-low risk financial product. The probability of loss of this type of product is not high and the risk is lower than bond funds.
Bond funds are medium-risk products. The possibility of long-term investment losses is small, but the net value of the fund will fluctuate in the short term, and short-term holdings may cause losses. Relatively speaking, China Life Guangyuan 366 is unlikely to lose money.
From the perspective of investment direction, China Life Guangyuan 366 mainly invests in money market instruments, fixed expected return products and other alternative investments. Most of the money market instruments are deposit certificates and central bank bills. The expected returns of these types of investments are relatively stable and their safety is high, so the risk of China Life Guangyuan 366 is not high.
Based on the above analysis, China Life Guangyuan 366 does not guarantee capital, but the possibility of losses is not high, so investors do not need to worry too much. Warm reminder, financial management is risky, so investment needs to be cautious.
The original meaning of insurance is safe and reliable protection; it was later extended into a protection mechanism, a tool used to plan life finances, a basic means of risk management under market economy conditions, and an integral part of the financial system and social security system. important pillar.
Insurance means that the policy holder pays insurance premiums to the insurer in accordance with the contract, and the insurer assumes the liability for compensation for property losses caused by the possible accidents stipulated in the contract, or is A commercial insurance act that assumes the responsibility for paying insurance benefits when the insurer dies, becomes disabled, becomes ill, or reaches the age, term, or other conditions stipulated in the contract.
From an economic point of view, insurance is a financial arrangement for sharing accidental losses; from a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for the losses; From a social perspective, insurance is an important part of the social and economic security system and an "exquisite stabilizer" of social production and social life; from a risk management perspective, insurance is a method of risk management.
Insurance value
Insurance value is the actual value of the subject matter insured. According to the "Insurance Law" of my country, if the policyholder and the insurer agree on the insured value of the insured subject and specify it in the contract, when the insured subject suffers a loss, the agreed insured value shall be the compensation calculation standard.
If the policyholder and the insurer have not agreed on the insured value of the insured subject matter, when the insured subject matter is damaged, the actual value of the insured subject matter at the time of the insured accident shall be the compensation calculation standard.