Comparative analysis of investing in life insurance and investment banking 50

Hello, friends, first of all, from a large range of analysis, insurance and banks and ** are the country's three major financial institutions, as for which aspect to invest in is their own voluntary choice; Secondly, from the perspective of financial security, income stability and flexibility, banks are safer and more stable, more flexible, can get back the principal and interest at any time, life insurance is the safest and most stable, flexibility is not as convenient as banks, less safe and stable; Receipt is more unstable; Third, from the perspective of long-term returns, investment banks are not as high as life insurance returns; Because the bank is simple interest, the wealth management product of life insurance is compound interest and interest; Fourth, from the perspective of risk protection, if on the basis of saving the same amount of money and the same time, the investment bank only invests in its own principal plus interest, and the protection obtained by investing in life insurance is far greater than the principal paid; Fifth, from the perspective of legal tax avoidance, life insurance can reasonably avoid debt and tax; If you are optimistic about short-term gains and flexibility, I recommend you to deposit in the bank; If you want to think about it from a long-term perspective, I'd recommend investing in life insurance. Consult QQ for details

Investing in life insurance is to transfer risk, which is a role of leverage in finance, if you use one dollar as a hundred dollars, how to improve the ability to resist risks; Investment banks, banks have traditional savings, there are also short-term wealth management products (both principal and non-principal-guaranteed), the characteristics of the bank's products are capital protection, so it is not an investment, the only purpose of investment is to obtain profits, to obtain maximum profits. Bank savings are money that needs to be used now, such as living expenses for three to six months; Insurance is the money to be spent in the future: for example, education funds, pensions, medical treatment, etc.

Therefore, insurance and banking are both our financial management tools, and they are the most basic parts, and they are both very important.

Hello: There is no comparison, the true meaning of insurance is protection, the same saving money, when encountering risks, insurance can give a life-saving money, a family's living expenses, a child's education, a legacy of assets, the money given may be equivalent to our deposit of the principal ten, twenty, or even hundreds of times. The bank receives as much as it save, plus a small amount of interest.

Insurance is financial management, not investment, and keeping money in the bank is only for safety and to prevent theft at home, and the money that is going to be spent in recent months will be put in the bank.

Banks - just simple savings, but can not be the real financial management in the avenue, now life inflation, the bank's interest rate is never able to outrun inflation, the money in the bank will only shrink less and less, but it is easy to access, when you urgently need money can only get your principal and interest back, it is impossible to ask for more than a point. Insurance - in addition to protection, accidents, critical illnesses, medical care, pension, education, can really achieve the purpose of financial management, the purpose of risk transfer, but also can really resist inflation, because it is always higher than the bank interest rate in terms of interests alone, and it can also be a policy loan, which is purely personal property.

Personally, it's just to see what you want to get. You can choose between the two options above. Best of luck.

Hello, I am glad to serve you, the main purpose of insurance is not the investment function, the primary purpose of insurance is as a guarantee, if you overestimate the investment function of the insurance product you are not right, the insurance product is to transfer a risk to the insurance company that you do not know for decades in the future. I hope you understand the meaning and function of insurance. Difference Between Insurance and Savings Savings:

1. Saving is climbing stairs, which is a method of gradually accumulating funds, which needs to pass through a specified period of time to reach the target amount. 2. If you don't save enough money, even when an accident happens, it's a drop in the bucket and you're in a hurry. 3. Savings can be calculated as interest, not as risk.

4. The Commercial Bank Law of the People's Republic of China stipulates that commercial banks can go bankrupt, and once a bank goes bankrupt, it may lose all its capital. 5. The interest rate on savings is variable, as evidenced by the successive reductions in bank interest rates in 96 98. 6. Saving is just saving.

Insurance: 1. Insurance is to take the elevator, and its characteristic is that you can get the agreed amount of insurance at the same time. 2. In the event of an accident, the insurance money received will be dozens or even hundreds of times the premium, which can be described as "four or two thousand dollars".

3. Insurance calculates the huge cost of risk and provides it to you in a timely manner. 4. The Insurance Law of the People's Republic of China stipulates that insurance companies engaged in life insurance business shall not be dissolved, and premiums shall be paid as scheduled. 5. The protection of the insurance will not be changed due to external factors.

6. Insurance is a kind of savings that preserves value and has an insurance function, and it will be by your side when you need it.

1. Insurance cannot reach the stage of investment appreciation, but can only reach the level of planning and financial management.

2. The fundamental existence of insurance is to provide financial compensation opportunities, not to provide financial profit possibilities.

3. The China Insurance Regulatory Commission stipulates that the upper limit of the embedded interest rate of life insurance products is, and you should think about whether it is cost-effective.

4. The insurance company will always tell you that time plus compound interest is equal to the atomic bomb, and repeatedly tell you how high the expected return is after decades, it will never tell you that time is a pig-killing knife, and compound interest accumulation dividends or other benefits also bring huge depreciation of capital purchasing power.

Conclusion: To invest, please take a detour, and you can buy a little insurance to avoid personal risks!

Hello! This friend! I am the most suitable to answer this question for you, I worked at Ping An Life for nearly a year, and then transferred to Chinese Life Insurance for three years, and now ICBC AXA Life Insurance Company.

Understand the characteristics of each insurance company and tell you very honestly; The same premium protection of each insurance company is different, and there are different places: 1The same premium benefits are not as comprehensive as they are, such as:

Chinese life can insure 50 kinds of diseases. ICBC AXA Insurance 52 diseases, 2Some companies do not have to pay compensation after paying for a serious illness once, while ICBC AXA can have two more claims later.

This is the difference, and ICBC AXA Life Insurance is more comprehensive in terms of protection. Safeguards are more powerful. If you have any further questions, please click on my avatar and I will be happy to answer your questions.

Hello: Although insurance companies and banks are both pillars of financial institutions, their functions are different and their social roles are different. Insurance is the first of long-term investment, it can avoid risks, resist inflation, and ensure the long-term security of funds.

It is also a guarantee tool to reserve funds, reduce burdens, and pass on various risks. Insurance is like a parachute on an airplane. Like a fire extinguisher, be prepared to minimize the risk.

Are you satisfied with my point of view? If you need help, feel free to ask. Good bye.

Hello! Upstairs said in detail, the insurance protection function of the bank does not have, the bank's flexible access insurance does not have, now the money to be used in their own pockets, the short-term money to be used in the bank, the long-term future to use the money in the insurance company, basically do not use the money to invest **, ** and so on.

Hello, insurance is not an investment but a financial management. Insurance is not comparable to banks. Insurance is just in case, it is a transfer of risk, and banks are only in the form of savings.

Insurance addresses the case and prepares for tomorrow with today's time and money. Banks are just a place to lend money, and insurance can play a role in avoiding taxes and debts, preserving assets, and preventing risks. This is unlike any other investment institution.

They are not comparable, although they belong to the same financial sector, but they have their own advantages and disadvantages, and they can complement each other's weaknesses. Reference: Take you to understand the people's livelihood insurance "Ruyi Companion and Two Full Insurance, Follow the child for a lifetime of insurance, do you need to plan in advance for life? What do you do with your child's New Year's money?

Investment, depending on your amount, the amount is less than 100,000, and it is more cost-effective to buy insurance than to deposit in the bank. If it is more than 500,000 yuan, it is recommended to invest part of it in the bank, and I am not referring to the investment in the form of deposits.

Friends: Insurance is one of the three major financial instruments, in the financial instruments play a different role, insurance is the only financial instrument to solve people's security problems, insurance focuses on protection and long-term financial management, different, otherwise there is no meaning of existence, I hope it will be helpful to you, please click on my webpage to call me or QQ message, good wishes.

Hello: There is no comparison, insurance is protection, which can solve the needs of individuals when they encounter personal risks.

Hello, insurance is not an investment but a financial management. Insurance is not comparable to banks. Insurance is like a door lock in your home, protecting your home's assets.

Hello! We're happy to answer for you! The function and significance of insurance are incomparable to any other financial product.

Hello is the same financial product, but the function is different. Insurance is all about protection, and the bank is just a place to store money.

Hello: Your question is the difference between bank deposits and insurance from a small aspect1The safeguard function is different2The return on funds is different3The flexibility of withdrawal is different.

Hello, The main function of insurance is to protect and transfer risks. If you focus too much on the return, it will be disappointed, and the investment income is just the icing on the cake.

Hello, insurance is just financial management, not investment, just on the basis of financial management to add their own protection, risk transfer!

Insurance is the solution to the problem of risk, and the bank is just a place to put money.

Hello, insurance and banking are completely different things.

Insurance provides more protection than savings.

1. The main difference between investment banking and investing in life insurance is that investing in life insurance is a long-term investment, while banks are short- to medium-term. 2. Purely theoretically, it is very difficult and not objective to compare the interests of investment banking and investment insurance. Because the specific situation of the policyholder is different, the factors to be considered are complex and diverse, and the risk after insurance cannot be ***.

3. Calculation and analysis process: In the market economy, there are various investment methods, among which insurance and bank savings are relatively safe investments, and can be flexibly invested according to the specific situation of individuals. Some time ago, various insurance companies in Wenzhou have successively launched various types of participating insurance, which has set off a lot of enthusiasm.

In addition to guaranteeing the guaranteed benefits listed in the terms of the insurance policy, the policyholder also has the opportunity to share in the profits generated by the insurance company's operation of the product. But many people still have scruples about this fledgling type of insurance. On the one hand, the interest rate of the bank is always lower than the interest rate of the insurance, and the interest tax is deducted from the deposit, and the insurance is not deducted from the tax, so the insurance has obvious advantages, but on the other hand, the insurance has to deduct the personnel commission, compensation and other expenses, while the bank deposit has no cost expenditure, so it is difficult to say which is the best deal.

Investment life insurance and consumer insurance liability is more complex, in general, the return on investment of investment insurance, mainly related to the investment income or business performance of the insurance company, the insurance company's capital operation is good, with the travel answer business efficiency, the policyholder can get better returns, that is, the insurance company and the policyholder benefit sharing, risk sharing. Nowadays, the number of insurance companies is gradually increasing, and each insurance company has launched its own investment life insurance. For Chinese life, I just sorted out the relevant content, I hope it will help you:

Is Chinese life good? What insurance is recommended?

Which is the best investment life insurance to buy?

Nowadays, with the development of the economy, people's living standards are gradually improving, many people are worried about how to dispose of the idle funds at home, if the idle funds can be appreciated, it is the best. There are many ways to manage and invest in this area, you can buy **, you can also invest**, P2P platform is also favored by many people, and investment life insurance is deeply loved by people.

1. Both offensive and defensive, stable style, including 4 ** accounts, free.

2. Flexible withdrawal, about 2 working days to the account.

3. Up to 800,000 death benefits, including accident, illness and death.

4. Professional team to take care of, China Merchants Cigna and China Merchants ** professional investment team to manage.

Basic Sum Insured: The basic sum insured is 20 times the premium paid in the first year under the annual payment method or the first month premium paid in the monthly payment method. The sum assured in the first year is equal to the basic sum assured, and then the sum assured will be increased by 20% on the basis of the sum assured in the previous year every year, and will not increase until it is increased to 2 times the sum assured in the sixth year, but the maximum sum assured is limited to 800,000 yuan, and the sum assured in the seventh year and subsequent years will be the same as the sum assured in the sixth year.

Death Benefit: Age 18-60: Personal Account Value +5% Current Annual Sum Insured 61 Years Old and Above: Personal Account Value.

Accidental Death Benefit: 18-60 years old: personal account value + sum insured 61 years old and above: personal account value.

The above is a good introduction to investment life insurance, I hope to help you.

To put it simply, it is a life insurance with a certain investment function and insurance protection.

The investment function of insurance is more conservative than other financial products (**, **, **, etc.), and the period is relatively long, which is generally low risk, low return, and long investment cycle.

The most important function of insurance is risk protection, and it would be biased to leave the protection and only focus on investment returns.