Financial Management Package: Investment Linked To Insurance Is Greater Than Insurance.

In 2008, in the domestic capital market all the way down, investment linked insurance products have been questioned by the market, and once triggered a wave of surrender. Nowadays, with the change of consumption structure, many citizens Conduct financial transactions From simple savings to financial management and life planning, and from the impact of the global financial crisis, capital markets are changing. Investment Welcome.

Scutellaria is 30 years old and married for two years. At present, he works as a planning manager in an advertising company in Qingyuan. The monthly income of husband and wife is around 8000 yuan. Since mortgage loans were paid off at the beginning of the year, the couple began to invest in monthly income. Recently, Scutellaria heard that some colleagues had bought an insurance company to take a risk. Star The news that the product has increased 3 times in 2 years has aroused interest in investment linked insurance.

Scutellaria baicalensis is known to some insurance company. It is a new form of life insurance product, which integrates protection and investment. The guarantee is mainly reflected in the accidental death of the insured during the insurance period, and it will get the death insurance payment paid by the insurance company, and at the same time, it will also enable users to obtain major diseases and other safeguards through the form of additional insurance. Like Scutellaria, there are many people who are interested in the risk of investment linked, but the perception of investment risk is only in the good publicity of insurance companies. As an insurance product with investment function, investment linked insurance should also be risky, with the characteristics of high cost and high loss in advance.

Stock market rebound can buy linked risk

In the three types of investment insurance products, such as dividend insurance, universal insurance and investment linked insurance, only investment accounts linked to insurance are fully linked to the capital market and can be used for direct investment in stocks and funds. Generally speaking, insurance companies provide guaranteed income for dividends and omnipotent insurance, and if investment risk customers invest all or more than 90% of their premium into investment accounts, the risk of investment is entirely borne by customers without the function of principal reserve or interest rate guarantee.

Investment linked insurance is a tool for asset allocation as equity assets. From the perspective of asset allocation, whether or not to buy linked insurance is not related to the short run of capital market.

However, because the biggest risk of China's investment linked insurance comes from the stock market, the earnings of linked insurance are closely related to the performance of the capital market. For example, many radical investment risk clients suffered heavy losses in 2008, so the premium ratio of high-risk accounts was adjusted according to the performance of the capital market.

This is especially important. As long as we know how to judge the proportion of investment projects in investment accounts according to the business cycle, we can get satisfactory profits in the long run.

To ensure adequate capital and reconsider the risk of continuous investment

According to the introduction, the investment linked insurance account is mainly divided into two parts, that is, the risk protection account and investment account. Only a small portion of the premium is taken as a risk fund, which is used as a safeguard fund for diseases and old age, providing risk protection for the insured, and most of the other investment accounts are invested by insurance companies.

Investment linked insurance is a kind of insurance that combines insurance and investment. Although it has both functions of investment and protection, its investment function is far greater than that of insurance.

Many investment linked insurance only provides basic life insurance, but it can not cover most of the risks of the insured, including illness, pension, accident and so on. There are also part of the investment linked insurance which only provides high disability protection or emphasis on pension. Therefore, before buying, we should analyze the specific provisions of the linked insurance policy, and insure it according to its own insurance needs, and not only pay attention to the investment income but ignore the protection.

For those who do not have basic protection, putting most of their funds on investment risk is undoubtedly putting the cart before the horse, so that their own risk is not only guaranteed, but also increases the financial risk of account damage.

For families or individual investors who already have relatively comprehensive protection and relatively abundant funds, the risk of joint venture can be considered as a part of family property allocation. If we can take a larger risk, the risk of investment linked, especially the star products, may bring excess returns compared with the insurance coverage.

The cost of receiving the account is high and the loss is large in advance.

Like other investment and financial products, it is also necessary to pay a certain fee for the purchase of linked insurance. When calculating income, investors should also include these costs in cost deduction.

These fees generally include initial cost, risk premium, policy management fee, asset management fee, account transfer fee and partial collection fee. In addition, when some insurance agents publicize the advantages of investment linked insurance, they will emphasize that the insured can collect some of their cash value at any time, but the premise is that they must pay a certain fee, and sometimes the cost is not low. If the first annual policy is collected, it will receive 10% of the value, second years 8%, third years 6%, fourth years 4%, fifth years 2%. When deciding to buy, policyholders should carefully consider whether they need to spend large sums of money in the next few years to avoid losses arising from the value of insurance cash in advance.