Is it better to save 10,000 yuan regularly or buy insurance?

Hello. First of all, insurance and banks cannot be directly compared, because both are national financial institutions, each with its own path of existence and development, and its functions and focus in society are different.

Secondly, as for your investment, first of all, talk about your 10,000 yuan, but I still don't know your economic situation and family situation, so I can't give you professional advice. If you need it, you can consult online, and I can also provide you with a little help.

Thirdly, in terms of long-term financial planning, if you are a salaried person, it is recommended that you make investment choices according to the following proportions:

About 50% of the annual income is used for basic living.

About 15% of the annual income is spent on bank savings.

About 20% of the annual income is used for investment.

About 15% of the annual income is used to buy insurance.

Deposit and insurance are completely different contents, and there is no simple choice.

1. Do you have insurance, and what is your reason for choosing insurance? Do you understand the benefits and disadvantages of insurance?

For example, insurance can play a role in protection, but there is a loss in the middle of surrendering, and the principal cannot be returned, maybe 10,000 yuan can be paid, and only a few thousand can be recovered.

2. It is recommended to do a demand analysis according to your family and personal situation, if you decide to buy insurance, you need to plan well, you can't buy it casually, this post is for reference: how to consult insurance online, please see the guide map.

In the case of insurance, it focuses on the protection provided for the insured, and the function of income and financial knowledge. If you want to take the insurance test to generate interest, it is not very cost-effective, after all, since it is called insurance, the insurance company will definitely charge the insurance protection cost. The income generated by insurance is not necessarily higher than the interest rate of the bank!

Moreover, some types of insurance, taken halfway, are to have losses, not necessarily to protect the principal, and there is no bank deposit convenience, so if you want to manage your finances, don't buy insurance!

It's not that complicated:

Two levels: first, distinguish the nature of insurance and other financial products, insurance is mainly used for protection, if you want to invest or invest in other products;

Second, 10,000 yuan can buy a part of the term life insurance (consumption-based, not returned after one year), and the rest of the funds are invested (as for the results of investment and the risks that can be borne need to be specifically analyzed), but there are still many ways to obtain relatively safe returns from time deposits for more than one year, mainly some fixed income products such as bonds, bonds**, and trusts.

You can choose according to your actual needs.

The insurance deposit is that the policyholder pays the premium, and the insurance company pays a certain benefit, but it can generally be received after the maturity, or it can be received by surrendering the policy, but the policyholder may incur certain losses; Fixed deposits are to deposit money directly into the bank, enjoy bank interest, and can withdraw the principal + interest after maturity.

Hello, the two are comparable, but they can't be compared, let's put it this way.

First, it is much less mandatory to have a bank, and if people think of buying or converting something once they have a sum of money, it is not easy to keep the money.

Second: the interest rate of the bank is also uncertain, you can calculate it according to the annual interest (of course, it is simple interest), 20 years may be a lot of money, but you also have to calculate the annual inflation, so it may be a negative number, that is, ordinary people say that the money has shrunk.

Third: the insurance salesman you are looking for may only consider some aspects of the insurance to you to do comprehensively, in fact, Xinli can increase the disease protection, this product not only has dividends every year, but also returns every two years, so that to a certain extent resist the shrinkage of funds brought about by inflation, fourth: the biggest difference is that the money in the bank and the insurance company are yours, and the final principal and interest may be more than the insurance company (choose a good product), But under the same conditions, only the insurance company also brings you about 100,000 guarantees (which is also to be given in the end).

So in general, the insurance company still gives more.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Summary. Hello, glad to answer for you.

Compared with fixed deposits, there are advantages and disadvantages to whether it is cost-effective to buy insurance or buy insurance.

1. In terms of income alone, time deposits are more cost-effective;

2. However, insurance is not simply savings, it has a guarantee function, and can share various risks in life.

3. The flexibility of the insurance is relatively poor, and if it is taken out halfway, it is considered a surrender, and the principal may be damaged. In general, it depends on the specific situation. Even if you choose bank insurance, you still need to have a deposit to facilitate the flexible use of funds.

It is better to buy insurance for a fixed period of time.

Hello, I am glad to answer for you whether it is cost-effective to save a fixed term or buy insurance compared with a fixed deposit, there are advantages and disadvantages compared with fixed deposits. 1. In terms of income alone, time deposits are more cost-effective; 2. However, insurance is not simply savings, it has a guarantee function, and can share various risks in life. 3. The flexibility of the insurance is relatively poor, and if it is taken out halfway, it is considered a surrender, and the principal may be damaged.

In general, it depends on the specific situation. Even if you choose bank insurance, you still need to have a deposit to facilitate the flexible use of funds.

Hope mine can help you <>

Hello dear, which is better to buy insurance or save time, you can choose according to your actual needs:1The insurance deposit is that the policyholder pays the premium, and the insurance company pays a certain benefit, but it can generally be received after the maturity, or it can be received by surrendering the policy, but the policyholder may incur certain losses; Fixed deposits are to deposit money directly into the bank, enjoy bank interest, and can withdraw the principal + interest after maturity. 2.

Insurance deposits generally also provide relevant protection, such as increased whole life insurance generally provides death or total disability insurance benefits, if the insured dies or is totally disabled during the protection period, then the insurance company can claim a sum of insurance money equal to or greater than the premium paid; Fixed deposits, on the other hand, are only deposits and interest payments, and have no insurance liability; 3.If you look at short-term returns, the return of fixed deposits is greater than that of insurance deposits; 4.If you look at it from a long-term perspective, the income of insurance deposits is greater than that of time deposits; 5.

If we look at the flexibility of withdrawal, the flexibility of fixed deposits is higher than that of insurance deposits. However, from the perspective of savings, the flexibility of insurance deposits is low, but it will be more friendly; 6.Compared with time deposits, insurance has the function of inheritance, and if the death beneficiary is designated, it can also reasonably avoid taxes; 7.

From the perspective of investment threshold, the threshold of insurance deposit is higher than that of time deposit, after all, the minimum minimum deposit amount of time deposit is 50, and the premium of insurance deposit is much higher, most of which will exceed 1,000.

1.According to the specific situation, the amount of 10,000 yuan is not large. Whole deposit and whole withdrawal:

We can first think about whether we will use it often this week, such as using money in the near future, or having money from time to time. In this case, we should think about it first. Then select Whole Save Whole Pick & Dump as needed

Three months, six months, one year, two years, three years, and five years. Because this is more reasonable, if your deposit period is too long, and you suddenly need to withdraw money, it can only be counted as a current account, and you may lose money.

Insurance that saves 10,000 a year for five years generally refers to annuity insurance. There are two types of annuity insurance that are most common in life, one is pension insurance and the other is education annuity insurance. Pension insurance can provide the insured with the funds needed for middle-aged and elderly life, and education annuity insurance can provide certain financial support for children's education.

Essentially, annuity insurance is not insurance in the true sense of the word, but rather an investment that people make through life insurance companies. If you don't have critical illness insurance, annuity insurance will not pay you huge medical expenses and ** fees for about 5 years; If you don't have accident insurance, term life insurance, your family will be in financial difficulties because of your accident. Therefore, it is still an eternal truth to protect first and then manage money, and you must not put the cart before the horse.

The main features of annuity insurance are as follows:

1. The insured must pay all the premiums before starting to receive the annuity, and cannot receive the annuity while paying the premiums.

2. Annuity insurance may or may not have a definite insurance period, but it is subject to the survival of the insured. When the insured person dies, the insurance company immediately terminates the payment.

3. Annuity insurance can make the insured's later life financially secure. The insured saves money to pay premiums when he is young, and when he or she is old, he or she can receive a fixed amount of insurance benefits on a regular basis.

4. Annuity insurance is very safe and reliable. Because insurance companies are required to withdraw liability reserves in accordance with the provisions of the Insurance Law, and there is a guarantee of a liability reserve system among insurance companies, even if the insurance company of the annuity purchased by the policyholder goes bankrupt, other insurance companies will still automatically contribute to the annuity payment for the annuity purchaser.

Annuity insurance also has its drawbacks:

1. Generally speaking, the premium is very expensive, most of the annuity insurance on the market is paid in the form of 10,000 yuan increments, as little as tens of thousands of yuan, and more than 100,000 yuan per year, which is not acceptable to the general wage earner, but it is also necessary to know that the earlier you pay the money, the cheaper it will be, and the annuity insurance is also a big factor with age.

2. The interest rate is not high. Why do many people say that annuity insurance is a pit, **, etc., although the insurance is qualified, it can only be sold after the CBIRC filing, but if you calculate carefully, the interest rate is not very high, and the money invested in the insurance company will be placed in the insurance company for many years.

3. The protection function of annuity insurance is relatively weak, and generally only provides death protection.

The key is to see how and for what purpose you save your money.

The biggest difference between bank deposits and insurance is that it is flexible. It is very convenient to deposit money in the bank, if you need to withdraw it, at most it is reduced from regular interest to current interest, and it is only necessary to take less interest, and it is absolutely impossible to lose the principal. In addition, the bank's interest is statutory, so it is clear how much you should take at a glance, and there will be no problems.

Insurance is different. Insurance money, unless it is at the end of the insurance period, you can not withdraw it in advance, to cash out can only surrender the policy or policy loan. The former will result in a surrender loss of at least half of the principal, while the latter will have to bear a higher loan interest than a bank commercial loan, which is not cost-effective.

In addition, the main income of insurance, that is, dividends are uncertain, to be determined according to the annual operating conditions of the insurance company, the salesman to do the dividend introduction is actually a demonstration, no legal effect.

So, if you plan to save money that may be used at any time, then you should save it in the bank, or you can consider buying some currency**. If the money you plan to save will not be used at least in the foreseeable future, and it is specially prepared in advance for a specific purpose in the future, such as retirement, education, marriage, then you can consider buying insurance to save money. As for the income, in fact, it is about the same, don't think that the income from insurance savings will be high, in fact, it can only be compared with short- and medium-term bank deposits, nothing more.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Bank deposits are more familiar to many people, basically everyone will have their own deposits, and financial management may contact a little less people, so 10,000 deposits or buy financial management? Which is better? Relevant content has been prepared for your reference.

It can be considered from two aspects: safety and profitability, and the details are as follows:

If it is from the perspective of security, the deposit period is slightly better than buying financial management, because the bank fixed deposit is guaranteed capital and interest, protected by the bank deposit protection system, and the capital is guaranteed and interest is guaranteed within 500,000 yuan, but the wealth management is not guaranteed and the interest is not guaranteed, the funds are not guaranteed, and there is the possibility of loss.

Generally speaking, if you are a conservative investor, then the deposit period of 10,000 yuan will be better, and the security will be slightly higher, as long as it does not exceed 500,000, the funds do not have to worry, even if the bank goes bankrupt, it will be compensated.

However, if from the perspective of profitability, the income of wealth management is generally higher than that of bank term, and the premise is to choose a good financial product, whose income is much higher than that of bank term, but the same risk is also greater than that of bank term.

Generally speaking, if it is an aggressive investor, then 10,000 yuan to buy financial management will be slightly better, because the return of the deposit is very low, if you encounter the situation of early withdrawal, then it is the current income, even lower, basically there is no income, it will be more recommended to manage money.

However, there are also different risks and returns in financial management, so investors should also choose financial management carefully when buying, and they can look at the past rate of return to analyze, and analyze the range of risks they can bear.