Investment-linked insurance is a kind of insurance that combines investment functions with insurance. Its essence is still insurance. Currently, the investment-linked insurance on the market generally pays for the accident, death and disability of the insured. Therefore, the premiums paid by consumers are divided into two parts according to the insurance contract: one part enters the insurance account and gives the customer life insurance protection; the other part enters the investment account and is entrusted to the insurance company for investment operation according to the agreed management fee, and the customer passes the investment account net value. Growth to achieve income
Although the investment in the company was late, it grew rapidly. How to identify the pros and cons of dazzling investment-linked insurance products?
Purchasers should grasp the following three principles:
First, you can compare the investment performance of different companies' investment-linked insurance. Investors can find the investment returns of different accounts of these companies in the current and previous historical periods on the websites of various insurance companies. ,Compare.
Second, select the corresponding investment income of the company during the fluctuation period, and compare the resilience of different products.
Finally, compare the fees for the front-end and back-end fees of different investment-linked products. Although the insurance company's rate of return is an important indicator, it only represents the company's past earnings level and does not represent the company's future earnings. For investors, the level of insurance company screening funds and the level of life insurance after-sales service are the most important.
In addition to the specific considerations, in the concept of investment, the insured should do the following three things:
First, do not stare at a variety of investments, you can spread funds in the fund account, part of the scattered in the national debt In the account, the key to this is that investors need to first analyze their risk appetite and ask the investment manager if necessary. For an account in which an insurance company has already invested in a portfolio with high or low risk, investors do not have to adjust the account too frequently, and can maintain a review every six months. For stock-type accounts, bond accounts, and currency accounts that are only set up according to investment types, the investment portfolio is completely configured by investors. Investors can make adjustments every two months according to the situation, so that risk appetite is consistent with asset allocation.
Second, estimate its own risk tolerance, and appropriate investment to match its risk tolerance with investment risk. For short-term investors, investors with investment periods of six months to one year are not suitable for investing large amounts of assets in stocks because of the high risk, but for those with investment durations of 3 to 5 years, investors can According to their own risk appetite and risk tolerance, a certain proportion of funds are matched in the stock. One of the characteristics of investment-linked insurance is that the payment method is flexible, and the additional investment amount can be added at any time. Second, the insurance amount adjustment is flexible, and investors can increase or decrease the risk insurance amount according to their own family risk status. Third, the account conversion is flexible. Especially when the current economy is relatively difficult, investors can reconfigure the assets of different investment accounts by means of account conversion to control risks; fourth, the flexibility is flexible, and customers can withdraw cash according to their own needs; It is flexible to choose additional insurance. If the insured wants to obtain other guarantees, it can be supplemented with additional insurance.
Third, investors should not blindly pursue high returns, and should set reasonable return expectations. In the past, the yield of up to 70% was only a special case. In the current situation, even for investment-linked insurance, even 30% of the return on investment It is also unrealistic. Investors should have a good attitude and should not have unrealistic expectations of return on investment. Finally, talk about the purchase channels of investment-linked insurance. Consumers who purchase investment-linked insurance can either purchase through traditional agent channels or buy directly as they buy funds. From the initial cost, the purchase will be much lower. Channels are generally taken in a lump sum. You can choose between the purchaser and the payment method. For customers who just want to use investment-linked insurance as an investment channel, it is easier and more straightforward to choose a channel. However, such customers are better able to have certain investment capabilities. Customers need to allocate and convert investment accounts according to their own judgments. If there is no time to pay attention to the field changes, it will be better to provide services through a professional agent.
Who should not choose to invest in insurance? At present, investment-linked insurance has become a major wealth management product for many investors in home finance. However, experts reminded that investment-linked insurance allows insurance companies to invest 95% of their client funds in stocks, funds and other “double-high” products, plus the purchase of investment-linked insurance, which requires initial fees, policy management fees, and asset management. In the case of fees, handling fees, etc., investors need to bear a large amount of risk of loss of income. Therefore, elderly people with weak risk tolerance should not purchase investment-linked insurance.
Investment-linked insurance is a risk-investing investment wealth management product. There is no guaranteed income. The actual income is directly linked to the investment account income selected by the investor. The insurance company does not promise investment returns. The following two groups of people are not suitable for purchasing investment insurance. :
First, only those who need to protect the demand are not suitable for the purchase of investment insurance. Experts say that after the investor purchases the investment-linked insurance, the premium paid is divided into two parts according to the insurance contract: part of the insurance account is entered into the insurance account, and the investor's life insurance is given; The other part enters the investment account, which is entrusted to the insurance company for investment operation according to the agreed management fee. The investor realizes the income through the growth of the investment account net value. Therefore, only those who have insurance coverage needs are not suitable for purchasing investment-linked insurance, but should start with risk protection such as planned diseases and accidents.
Second, the short-term need to use funds should not buy investment insurance insurance experts say that in the short term, regardless of the capital field tableNow, it is difficult for investment insurance to fully satisfy the policyholders. In addition, if the short-term emergency funds are forced to redeem the product, the insured will have to pay a certain surrender fee for this. According to the actuarial regulations of investment-linked insurance, the surrender rate of investment-linked insurance is decremented in the first five years of the policy year, which are 10%, 8%, 6%, 4%, 2% of the premium, and the premium is refunded after the sixth year. The rate is zero.
In fact, when you choose to invest in a series of insurance products, as long as you master 3 major skills, ordinary consumers can also easily select the appropriate investment insurance:
1. Choose a professional and experienced company with relatively comprehensive life insurance products. Due to the dual functions of investment and guarantee, the investment operation mode is more complicated than the general life insurance products. Therefore, we choose a company with rich professional experience, a strong investment management team, and the ability to develop products that meet the different needs of consumers. It is especially important to ensure the investment interests of consumers. “The UK has done a statistic. In the past 20 years, the personally planned pension investment plan has a return rate of 3.7%. With professional financial planners, the annual rate of return can reach 13%. The role of experts is not to be said. And Yu.” Professional insurance companies have standardized investment management processes, rich experience in risk control, mature investment strategies, and investment committees for investment supervision, so policyholders can safely entrust funds to professional insurance companies. .
Second, we must choose a product suitable for ourselves. Investment insurance is generally divided into two types: the first purchase and the additional purchase starting point are relatively high, suitable for idle funds at hand, and have greater risk tolerance. The insured person; the payment of the product can play a role in diversifying the risk, and is more suitable for a stable young middle class. It is understood that there are currently more companies with products on the market, and the paid products are mainly concentrated in a few foreign-funded and joint venture companies. The insured person must choose the most suitable product according to his actual economic situation and investment intention, in order to fully enjoy the benefits.
III. Adhere to the principle that “long-term is gold” The insurance function of investment-linked insurance is essential for investment and financial management. Insurance companies pass strict screening and long-term investment to shield risks. Therefore, customers only have long-term holdings to obtain average investment income. To maximize the value of investment and insurance functions.