In recent years, internet insurance wealth management products are favored by investors: the purchase threshold is low, mostly from 1000 yuan; The degree of protection is relatively high, and the principal can still be guaranteed; Products are mainly in the short and medium term, with good liquidity; The yield is slightly higher than that of the money fund.
Rong 360 investigated the current mainstream Internet insurance financing sales channels, and the results showed that personal old-age security management products accounted for more than 90%. There are mainly traditional, two-way, investment and universal types in the market. How to choose old-age security products among so many products? Let's take a look at the specific product features:
The expected annualized interest rate of traditional endowment insurance is fixed, and most of them are annuity products;
The two types of insurance have the functions of protection and savings, as well as dividend distribution, and have good anti-inflation effect;
Investment insurance, there is no guaranteed expected annualized income, but insurance companies have to charge account management fees and other fees, and policyholders are responsible for their own profits and losses;
Universal insurance generally has a guaranteed expected annualized income, and insurance companies also charge policy management fees, initial fees and other fees, which are suitable for long-term investment. It usually takes more than 5 years to see the expected annualized return on investment.
There are many kinds of personal old-age security products, which can be divided into closed and open from the point of view of whether they can be increased or redeemed. You can probably tell the difference between the two by looking at the name. Open trading is more flexible and the scale of funds is not fixed. Closed-end has a fixed duration, during which the capital scale is fixed.
Understand the characteristics of different types of personal old-age security management products, and then confirm their collection time, methods and years:
Different old-age security products are collected at different times, and most of them begin to be collected when the insured is 50, 55, 60 and 65 years old; You can change it before you start collecting.
Endowment insurance generally has two ways: one-time collection and installment collection. The latter may be more in line with the habit of open quota collection.
There are two ways to receive old-age insurance: lifelong and security. A lifetime collection is likely to end at 88 or 100. The guaranteed annuity is generally promised to receive 10 or 20 years.
The last point here is to check the payment method and time limit. Payment methods can also be divided into one-time payment and installment payment. Different payment cycles, even the total amount of each payment may be different. Choose according to your actual situation.
The above is part of the answer to how to choose the old-age security products. We must take the purchase of old-age security products seriously, fully understand its scope of protection, and whether this insurance is suitable for us, in order to buy old-age security products that satisfy us.
Be sure to know this before buying insurance! Go to the micro-signal: rong360licai reply to insurance and gain insurance knowledge.