index funds are cost-effective.

1. Insurance financing means that an insurance company buys bank deposits, or allocates assets such as bonds and stocks with the insurer's funds, and then pays dividends to you. The income is safe and the profit is low. However, when buying index funds by itself, it is higher than the income from financing.

2. To buy a fund is to hand over the funds to a trusted fund manager for investment. After making money from investment, investors will have income, so that they can make money from idle funds. There are many types of funds, which are flexible, and the insurance period of wealth management type is long, so the funds can not be taken out in time when they are in urgent need, and the flexibility is not enough, so the index funds are cost-effective.