Help compare participating insurance and funds

In fact, when it comes to compound interest, insurance is also compound interest, and there is no need to pay taxes, which cannot be a reason to choose **. The role of ** is in the income, and the main function of insurance is protection, the purpose is different, to make a comparison with the income, insurance may not be able to compare, the insurance has the protection, is the first can not provide.

The benefits of **, from a long-term point of view, over the decades** must be earned, look at the ** index was 100 points at the beginning of 92 years, and now there are more than 2000 points, up more than 20 times to know, in addition, **more flexible, when you lack money, you can save less than 1 or 2 months, or sell ** for cash.

The benefit of insurance is to give you a stable income, in addition to dividends, there is a certain amount that can be received for you, and there is protection, if you attach a hospitalization medical insurance, hospitalization can be reimbursed 80 90%, and there is an allowance every day. Now some new annuity dividend insurances have good returns, such as the annuity insurance just launched by Zhonghong Insurance"Abundant every year"Depending on your age, the pension and dividends you will receive in the future will be about 4 or 6 times the premium you pay (depending on how you pay and how you receive it). Insurance is a semi-compulsory savings, and liquidity is not as good as **.

Of course, you have to choose ** fixed investment, and his compound interest is very powerful. Some financial experts have calculated that according to the average rate of return, a fixed investment of ****500 yuan per month, insisting on 20 years, can get 500,000 yuan, and the income does not need to pay taxes.

Of course, you have bought **, as long as you can continue, the whole life insurance you buy is paid annually, and you have to understand that the annual amount of insurance you calculate is just an example, and there is no basis

If you don't have a lot of savings, you can give priority to regular investment currencies**. Currency** is basically risk-free, and the return is equivalent to a fixed deposit, but it is not like a fixed deposit, which has to be deposited to maturity and can be redeemed at any time.

After having a certain amount of savings and a certain ability to resist risks, appropriately increase the risk of regular investment bonds, which are more risky than currencies, but the returns are also better, about 5% and 10% per year, which can basically complete the value preservation and anti-inflation. Wait until you have more savings before you consider regular investment****.

Individuals don't know much about participating insurance, but I have the impression that this kind of thing has little effect on investment value-added, and it is far inferior to **. Investment insurance should focus primarily on its role as protection, rather than investment returns.

Credit card wealth management refers to the use of credit cards, which makes capital turnover more flexible and does not play a value-added role.

Hello! There is no such thing as good or bad insurance, and the most important thing is to choose the one that suits you according to your family and income situation. When buying participating insurance, which type of dividend is more secure to choose?

On the one hand, it depends on your specific financial situation, and on the other hand, it depends on your other corresponding circumstances.

According to the function, participating insurance can be divided into two categories: investment and protection. Investment-type participating insurance is represented by bancassurance participating products, which are mainly one-time payment insurance, usually for 5 years or 10 years. Its protection function is relatively weak, and most of them only provide personal death or total disability protection, and cannot be attached to various health insurance or critical illness protection.

In terms of the amount of benefits, accidental death is generally two to three times the premium paid, and the benefit for natural or disease death is only slightly higher than the premium paid. Protection participating insurance is mainly an ordinary life insurance product with a participating function, such as both participating insurance and regular participating insurance. This type of insurance focuses on personal protection functions, and dividends are only used as additional benefits.

What is the dividend of participating insurance**?

The dividends of participating insurance** are distributable surplus arising from the difference between death, interest and fees. Death margin refers to the actual risk incidence rate of the insurance company is lower than the expected risk rate, that is, the surplus generated when the actual number of deaths is less than the predetermined number of deaths; Interest margin refers to the surplus generated when the actual investment income of the insurance company is higher than the expected investment income; Profit and fee difference refers to the surplus generated when the actual operating and administrative expenses of the insurance company are lower than the estimated operating and administrative expenses.

Since insurance companies have to consider three factors when determining the rate: the predetermined mortality rate, the predetermined return on investment and the predetermined operating and management expenses, once the rate is determined, it cannot be changed at will. However, life insurance policies often have a coverage period of up to several decades, and what actually happens during such a long period of time may differ from what is expected.

Once the actual situation is better than expected, the above difference will occur, and the insurance company will distribute the profit generated by this part of the difference to the customer in a certain proportion, which is the ** of the dividend.

To talk about the disadvantages of buying insurance, you have to have a comparison, for example, is it compared with saving money, or**, or**, buying insurance basically has two functions, one, protection, two, financial management.

If you want to talk about security, basically several other ways are not comparable to him.

In terms of financial management, it depends on it.

Wealth management insurance (i.e. dividends) is compared with the above methods, first of all, they have the same point that they want to deposit money into an account. The difference is that the money is stored in the bank, which is more flexible, and it can be taken when you want to use it, if the current account is easy to do, it is okay to use it regularly, if you really need to use it, it is a big deal to lose a little interest, **what, if you don't** live it is still more flexible. **There is still a certain time limit, but it is still a little more flexible than insurance.

Finally, if you choose participating insurance, then you must at least have a fixed expenditure for a fixed few years (strictly speaking, it is not an expense, because this is deposited in the household), and if you want to withdraw it in a short period of time, you will have a certain loss, this loss includes interest, dividends and principal, so it is not wise to put money for a fixed purpose in insurance for a period of time, I believe that it is not flexible enough is the disadvantage of participating insurance.

The only disadvantage of buying insurance is that the money deposited is not as flexible as a demand deposit, and you can't withdraw all the money and use it! You can't lend money to anyone else!

In fact, insurance plays a pivotal role in our current life, now rural people are also working outside, staying in air-conditioned rooms every day, the air outside the city is not good, and there is no farm work to exercise, the food is full of chemicals, even the vegetables are using chemicals, and the insult is terrible! How did the word cancer come about? Even what you eat, drink, and suck contains toxins, and after a long time, they accumulate into a mountain, and they become diseases!

Buying insurance is to control your money, if life is a month to spend, people who do not have a penny of savings are of course unable to pay insurance premiums, and there is a worry that they are not able to pay insurance premiums is such a shortcoming, people who are lazy are not suitable for buying insurance, because the insurance plan is not completed and they have to stop paying premiums!

It is not cost-effective to surrender the insurance in the early stage! That's the drawback!

Hope mine can help you, thanks!

First of all, dividends are uncertain! Buying wealth management and dividend-paying products is blind; You should choose an insurance company with long-term stable income to protect the future interests of customers! Choose the three-difference structure dividend product, which is more diversified for customer benefits!

Why is dividend insurance so attractive, buy it without understanding the product, it is easy to be pitted, I recommend you to read this article first"An article reveals the truth of dividend insurance and tells you how pitty dividend insurance is".

Participating insurance is essentially life insurance, in addition to having the basic protection content, the insurance company will calculate the policy profit every year to distribute to the customer, the distribution of dividends, can be cash, accumulation of interest, payment of premiums and purchase of one of the increase insurance, different products have different choices.

1. What is the income of dividend insurance?

First of all, the dividends of the participating insurance are uncertain, which is stipulated in the contract. The dividends of participating insurance are distributable earnings generated by the difference between death, interest and fees, and the calculated income that many salesmen show to customers is actually unreliable and has no reference value. In the end, we can only wait for the dividend distribution results, and we will receive as much as we write on the notice.

There is no guaranteed interest rate for dividend insurance, and if the insurance company tells you that you don't get dividends, you have nothing to say.

If you don't understand the dividend income, you can take a look at the detailed product case::"[Xinsheng] participating whole life insurance, the income and protection are choking.

Second, is the participating insurance worth buying?

When considering participating insurance, first see if you have all the protection. The core function of insurance is to bring us life security and transfer various risks, but relatively speaking, its protection content is not comprehensive enough.

There is also the poor liquidity of the dividend insurance, can not be used at any time, it has the function of compulsory savings, if its own liquid funds are not much, and buy this kind of compulsory savings function of the product, it is very uncomfortable to encounter an emergency and not be able to use the money.

In general, the income of dividend insurance is uncertain, and the protection is insufficient, if you have configured all the protection and want to buy a pension insurance, then I have also screened out these products for your reference:"2020, High-yield Annuity Insurance".

Hello! When purchasing participating insurance, you should pay attention to the insurance contract, insurance income, and the operating ability of the insurance company. Here's how it works:

1. Understand the insurance contract. For many consumers, insurance terms are full of various technical terms, which seem like "heavenly books", which makes people's heads big. Therefore, many consumers are too lazy to look at those terms, listen to the salesperson's rough explanation, and sign hastily.

Generally speaking, you can basically understand the insurance you have purchased by looking at the key parts of the insurance liability, as well as the exemption from liability, payment conditions, and insurance period.

2. Don't pay too much attention to short-term dividend profits. Insurance is about time, and the longer the time, the higher the insured value. As a robust type of insurance, participating insurance needs to be tested over time, and should not only look at temporary gains and losses.

Industry insiders said that the dividend effect of participating insurance will be manifested in the medium and long term, and the dividend level of 1 or 2 years is difficult to reflect the operating level and capital operation ability of insurance companies. At present, the new Insurance Law has slightly relaxed the channels for the operation of insurance funds, and the investment income of insurance funds may improve.

3. Recognize the operating ability of the insurance company before purchasing. First, in terms of returns, whether the return of dividend insurance can exceed the bank deposit interest rate, the most important factor is the insurance company's asset management ability, as well as whether it does a better job in financial management, risk control, internal management, etc., and we should pay full attention to these factors when purchasing. Second, it is necessary to consider the risk factors to avoid risks when investing.

For office workers, it is a good choice to buy themselves a participating insurance with both protection and financial management functions, and it can also be given as a gift to your significant other or other family and friends. From the perspective of consumer psychology, consumers are more willing to choose to buy this kind of insurance products that can get back the capital and dividends. For ordinary consumers, how to choose the right dividend insurance for themselves?

First, it is necessary to pay attention to the coverage of participating insurance. Participating insurance covers a wide range, mainly including pension, education, death protection, etc., policyholders must choose the corresponding products according to their own needs, and even similar products have different coverage areas, so you need to carefully study the terms of the product.

2. When applying for insurance, you should choose a trustworthy insurance company brand. The outstanding advantage of participating insurance is reflected in the dividend part, and the dividend sharing is determined according to the operating conditions of the insurance company.

3. The policyholder should choose the appropriate payment method and future dividend payment method according to the current and future cash flow needs. At present, there are two main ways to pay dividends, one is cash dividends and the other is the sum assured dividend. If you are not in a hurry to withdraw the dividends, you can choose the insured amount of the participating product to increase the amount insured; If you have a need for cash, you can choose cash dividend products, which are more flexible.

4. Rational use of the policy loan function. Many participating insurance products can provide convenient policy loan services, and the policyholder can apply for a policy mortgage loan from the insurance company or bank when the policyholder needs money.

Since each company's policy is different, it is recommended to call the insurance company** directly for consultation.

The key to choosing dividend insurance is to choose a good company, a large company, because dividends are uncertain, she is based on a company's profitability to dividends, imagine a company to be profitable to have dividends to customers! For example, Ping An is a very good company! Her net profit is 100 million.

That's a good proof and I hope it helps.

There is no reliable word for dividends, dear. The rest of the story will be similar.