Now that the RMB has been depreciating, is it good to buy wealth management insurance? Doubling afte

Hello! You are financially conscious. The troika of the financial industry, banks continue to cut interest rates, and the performance is sluggish, so it is a wise choice to invest excess family spare money in the insurance market.

But in all insurance instruments,Protection-type insuranceThe uniqueness and irreplaceability determine the order in which it should be considered first. Taking critical illness insurance as an example, on the premise of buying full protection and fully purchasing the sum insured, effectively making up for the risk protection gap, the remaining funds can make some appropriate arrangements according to the current market, including universal insuranceSavings wealth management insurance productsAchieve the effect of asset preservation.

Hello! The problem of inflation is something that all financial instruments need to face. Depositing in the bank and buying **** will also have the problem of inflation and depreciation of purchasing power.

We can't get rid of inflation unless we spend it right away, but that's not realistic. Eggs can't be put in one basket, so we should pursue diversification in our investment methods, and part of it should be placed in bank deposits, treasury bonds and wealth management insurance that guarantee principal and returns. There is also a part of the possibility of investing in equity products to win high returns, so that the overall risk is controllable, and the returns are considerable.

If you have insurance needs and questions, you are welcome to contact our professional consultants, we are insurance brokers. Provide you with a one-stop solution to insurance problems, saving time, worry, effort and money. Choose the best products from hundreds of insurance companies and choose the most suitable product for you.

It is not recommended to do financial insurance, it is not suitable.

Although you can't make a lot of money by buying financial insurance, it is very safe and secure.

1. Reduce the amount of bank deposits, the income of bank storage itself is very low, and in comparison with our soaring prices, investment bank storage itself is an option for asset depreciation, and it is not suitable to choose bank storage in the case of RMB depreciation.

2. Select ** or foreign exchange hedging. If the RMB continues to depreciate, the first thing that most people will think of is to buy, how serious the depreciation of the RMB is, how high the ** will rise. Their gains are in the opposite direction.

However, it is a hedging tool, but the rate of return in kind is too low to maintain its value.

3. Boldly participate in the online loan P2P investment and financial management method, you can invest the excess funds through the reliable P2P investment and wealth management platform, and grasp your own investment income at the normal level of interest rates.

Clause. First, as the common people will buy a good potato some financial products, we currently observe that the current income of RMB wealth management products is basically maintained at about [4%], such data is estimated to decline soon, so it is recommended that you pay attention to the risk.

Clause. Second, we should also pay attention to the risk when investing in general ** products, because there are a lot of currency exchange investments, in this case, if they are doing some overseas investment, then the risk will increase, it is recommended that you be cautious.

Clause. Third, the market and the currency market is a leverage, because of the depreciation of the RMB, we should pay attention to the investment in the market, but because of the currency depreciation, the value of the market will get everyone's attention, and there is often an appreciation at this time.

In recent years, depreciation has become a hot issue of social concern and the focus of many investors. There are many investors who are worried about the impact of the depreciation, but they are hungry and do not know how to deal with it.

First of all, we need to understand how depreciation affects financial management. On the one hand, depreciation will have an impact on our investment returns, because the depreciation of the limbs of the currency will lead to a decrease in investment returns. On the other hand, depreciation will also affect our consumption, because currency depreciation will lead to prices**, which will affect the consumption behavior of consumers.

Second, we need to know how to deal with the effects of devaluation. First of all, in terms of investment, we can choose some investments that are not affected by currency depreciation, such as fixed income investment products, which can allow investors to obtain relatively stable income. Secondly, on the consumption side, we can try to avoid importing goods to avoid prices due to currency depreciation**.

In dealing with the effects of devaluation, we also need to minimize the circulation of currency to avoid currency depreciation. Therefore, we can minimise the use of cash and use electronic payment instruments as much as possible to reduce cash circulation.

In short, depreciation is a complex issue, and we need to properly understand its impact and take effective countermeasures to protect our investment and consumption returns.

1. The market and the currency market are a leverage, because of the depreciation of the RMB, we should pay attention to the investment in the market, because in the case of currency depreciation, the value of the market will get everyone's attention, and there is often an appreciation at this time.

2. If we travel abroad, we should also pay attention to our money bags, because now the depreciation of the RMB will increase your own expenses, and the number will increase a lot, but we can travel to Japan, which is more cost-effective, because the yen has depreciated.

3. The depreciation of the RMB is a very good news for friends who invest in the United States, because if you invest in the United States, you can make money by the exchange rate alone, and the United States is more optimistic in the medium and long term, then your income is double, and it is recommended that you can invest in the United States.

Impact of RMB depreciation:

1. Mainland insurance will be more favored.

After the depreciation of the renminbi, the same exchange of 100 yuan for Hong Kong dollars, which used to cost only 84 yuan, may now take 103 yuan.

There is no doubt that after the depreciation of the renminbi, the cost of insurance in Hong Kong will increase for mainlanders. Therefore, in the coming days, mainland insurance will become the first choice for many people.

2. The shareholders who bought the wrong ** all cried.

Why do shareholders cry when the RMB depreciates?

** It is a face value reflection of the value of the company's assets. If the RMB depreciates, the asset valuation of A-share enterprises with RMB as the unit of account will become lower, which can be imagined.

Although the depreciation of the RMB may be beneficial to some industries, it is estimated that the tears of shareholders will break the embankment again when the dominant sector weakens!

When you're popular, you won't buy insurance; When it's green, you're waiting for a chance to turn over; Now that the renminbi has depreciated, what are you going to do?

3. The people who bought the insurance all laughed.

Since 2012, insurance regulators have encouraged insurers to allocate no more than one-third of their assets to infrastructure, private equity and overseas investments, and have been encouraging overseas investment for the past three years. China's insurance companies are also very powerful, and overseas investment has achieved fruitful results, and the insurance capital has been invested overseas more than 30 billion US dollars.

In the coming days, the investment income from these assets will generate foreign exchange surpluses for several years. For insurers that use RMB as the unit of account, profits will show an upward trend. And those who have purchased participating insurance can naturally get higher returns from it!

4. Which assets can be hedged against RMB depreciation?

Since the state is looking at economic restructuring, the real economy will become a place for hot money to invest due to the profit-seeking nature of capital.

At the same time, since China has always exercised strict control over foreign exchange rates, it is unlikely that hot money will flow out. The insurance industry, as a window for overseas asset investment, will undoubtedly become the focus of our investment and financial management.

Therefore, in the coming days, in addition to buying some related protection products, we should also pay attention to other financial products of insurance.

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

I don't quite agree with the logic of your calculation, the premium you pay will definitely not be the same as the insurance money you can get, the latter must be much more than the former in absolute terms, which already includes the compensating factor of inflation.

It seems that you are concerned about the depreciation of the currency, this friend. Can you control the currency depreciation? If you can't control it, you can put it wherever you have money to spare, so it's not something you should be thinking about.

However, risk is different, the occurrence of general risk will be accompanied by the occurrence of a secondary crisis, the first crisis is the risk itself, which is also not something you can control, so this is not something you should consider; The second crisis is generally in the form of an economic crisis, if you are fully prepared, the second crisis will be reduced to a minimum or will not occur, if you are not fully prepared, it is very likely that a second crisis will occur, so the second crisis is a completely controllable crisis, this is the problem you should consider. Insurance is the best solution to manage a secondary crisis, but is there anything better than that?

The so-called "insurance" is used to resist risks, not to manage money, let alone use insurance to make money. If you want to manage your money to make money or if you want to resist currency depreciation, you can do ** and government bonds.

The dividends of participating insurance are not better than bank interest, and it turns "living money" into "dead money" The vast majority of policyholders will feel deceived and surrender the policy within two years. However, the bank will only accrue the interest on the regular basis on current terms. As a result, this type of insurance is the most profitable type of insurance for insurance companies.

This type of insurance is not needed by the vast majority of people.