The expected 7-day annualized income of the money fund is generally between 1.5%-3%, which is vague, but the coordination ability of the money fund is very good, and the settlement time is relatively fast, usually only a few days.
If it is fixed deposit, the term is longer. However, the interest rate of time deposits within two years is not too high, but very low, generally not as high as that of money funds. However, the fixed interest rate of deposits over one year is relatively high, and the income is still relatively high compared with that of money funds.
It should be noted that all the above are general and do not represent everything. Because of the risk of monetary funds, it is difficult to guarantee its income. If the market is depressed and losses occur, it means that the fixed deposit profit is high. If the market price of monetary funds is high, it can actually be higher than the deposit within 2 years, generally depending on actual needs.
What good commercial endowment insurance are there at present? There are many pension service annuity insurance products in the financial market, but the pension needs of different age groups are different and the suitable products are different, so Xi Cai Jun can only give you an example:
1, pension service annuity insurance with strong total survival income
For example: love life, be happy and raise more.
This product supports people aged 0-69 to be insured. The threshold for starting an investment is 5,000 yuan, and the starting age of an annuity can be 55, 60, 65 or 70. From the promised age, you can gradually receive a life annuity. The unique advantage of this product lies in the high credit card limit of annuity, and the cash value of the policy has always been there. Although the annuity is gradually collected, it will gradually decrease every year, but it will not fade, so the total survival income of this life insurance policy is hard for you.
If a 30-year-old male is insured with Yang Le multiple pension service annuity insurance for 10 years, he will pay more than 30,000 yuan each year, with a total investment of 300,000 yuan, and he will choose to receive the annuity from the age of 60. The trial balance of rights and interests of this insurance policy is as follows:
The insured can receive an annuity of 45,000 yuan every year from the age of 60, 495,000 yuan at the age of 70 and 945,000 yuan at the age of 80. The longer you live, the more you receive, and you can enjoy lifelong cash flow.
2. Pension service annuity insurance that can be docked with high-end pension communities.
For example: No.2, everyone mentioned a lot.
This product supports the group of 0-64 years old to insure, and can guarantee the premium of 5,000 yuan, and the annual premium is 1005 yuan until 1005 years old. The starting age of annuity can be 55 years old (female only), 60 years old and 65 years old. The highlight of this product is that it can be collected for 20 years. If the insurance fee is qualified, you can get the right to live in the high-end old-age community in the city center.
If a 30-year-old man is insured, for example, he will invest more than 50,000 yuan in insurance premiums every year and continue to pay for five years, with a total investment of more than 250,000 yuan. He began to receive an annuity at the age of 60, and his policy rights will be tested as follows:
From the age of 60, the insured can receive an annuity of 38,950 yuan per year, which is guaranteed for 20 years, in other words, at least 779,000 yuan. When the insured is 90 years old, he can receive 1207450 yuan, and the insured 1596950 yuan.
3. Pension service annuity insurance with increased annuity.
For example, Xintai Ruyi enjoys seven gold editions of pension service annuity insurance.
This product supports people aged 0-69 to be insured. The first premium is 1 0,000, and the annual premium is 5,000 yuan. The starting age of annuity can be 55 years old (female only), 60 years old, 65 years old and 70 years old. The product annuity can be guaranteed for 25 years, and the annual annuity received is increased by 7% on the premise of the previous year, which can resist the inflation risk to some extent. The longer you live, the more old-age insurance money you receive.
If a 30-year-old man is insured for Ruyi Exclusive (Seven Gold Edition), he has invested more than 65,438+10,000 yuan over the years, and has paid for 10 year, with a total investment of10,000 yuan, and he will receive an annuity from the age of 60. The policy value of this life insurance is as follows:
The insured begins to receive an annuity gradually at the age of 60, and can receive 65,438+05,859 yuan in the first year, an increase of 7% over the previous year. The longer the time, the bigger the annuity. For example, the insured can receive more than 87,000 yuan at the age of 70, and the insured can receive 666,000 yuan every year at the age of 90.