The fast attack in the north in the winter, temperatures drop quickly, as this year's capital market. So many families with "pockets" of investment-related insurance benefits be?
Compared to other insurance products, investment and even dangerous because of the open price, investors are easier to grasp the changes in investment income, you can focus on the initial rate of return on investment, the annual yield rate of net income as well as several important indicators, combined with investment in investment accounts And the combination of tools such as integrated products to determine the earning power.
Loss of investment capital will also reflect the high capacity
Insurance companies from marketing point of view, the general stressed the vote will be a long time even Xian Yao investment, from the first generation of investment risk even launched so far, there are nearly 10 years. After a bull market, bear market after the baptism, about the strength of the insurance companies the ability to invest, or investors to make money for the ability to have known at the beginning.
Weekly financial reporter for investors once again combing the entire cast even the risk of the accounts of the yield, yield cf 2007, May 1-10 this year, changes in the rate of return, as well as accounts of the net rate of adoption of three important indicators of contrast, It is not difficult to find last year, the annual rate of return before the three accounts, Xinhua creation of about 118 percent, outwit peace dynamic growth of 111 percent power, rest assured that financial Taikang-ahead 103% in the first 10 months of this year's earnings were reduced by 22% , 34%, 19%, the degree of shrinkage in the middle, that is, have maintained a good and resilience. Three accounts of the net rate is still 388 percent, 148 percent, 379 percent. Investors return on investment is still relatively safe.
Some accounts are typically "Beixi impermanence," last year, so investors smiles, the sight this year.
Last year, the annual rate of return over 50% of the accounts, the financial weekly newspaper reporter found that the Allianz family of cast gold account earnings growth 87%, 49% shrink this year, the net rate of only 3.79 percent, China Merchants CIGNA step-by-step progress to win Account for 96% of annual revenue, has shrunk 49 percent this year, due to accumulated over the years, there are still 92% of the net. Another auspicious Po-active account is similar to the rate of revenue and shrinking. The city of Luen Thai investors fear more miserable, as the introduction of a shorter time, although the rate of return last year to reach 51 percent this year, they have all been shrunk away, the net rate of -28%. Sun Life Everbright Changsheng index-linked investment of more clear-cut contrast, 87% of revenue last year, has shrunk 60 percent this year, the net rate of -26%. 1-10 this year due to the shrinking of the base is the same at the end of last year, it looks lower than last year, although the shrinkage rate of return, but the actual amount of shrinkage is very heavy and led to the account net loss has been.
Last year, some have no grasp of the bull market accounts, the shrinking of the most tragic. Has been a net loss of more than half the vote had not even account for 8, the Sino-British life was a series of gold color gold mango section B enhanced index account the shrinking 66.3 percent, only the net value of 0.33699; the Pacific (601,099, it shares) Aetna index growth accounts shrink A 61.45 percent, only the net value of 0.3846. The shrinkage in more than 40% of the accounts have a few.
Investment income evaporate bear market bear
As the vote even dangerous, such as universal insurance investment type insurance claims has been a long-term investment, the high cost of the initial investors are also restrictions on short-term behavior. From the initial product development, many policyholders have insurance policies faced by the beginning of payments due.
Pro just the arrival of big bear market, some policyholders to the consultation paper, if the insurance policy just in the bear market in maturity, then the bull market gains would also go down the drain?
Reporters even vote on the risk related to the situation in an interview with the Beijing Branch of Ping An Life of the international financial advisors certified teacher Liu dry night, he talks, in investment income, investment income does not provide connectivity products that the insured to bear all the investment risk, but Even with the risk for a certain resilience, "in the bull market rise is not up to it, or when there will not be the worst fall."
Assuming 10,000 yuan in investment policy holders to vote even dangerous, the previous two years, the big bull market in the capital account reached 30,000 yuan, this year's bear market may fall more than 5000 yuan.
Liu explained that stem night: three hours, the first one is insured in accordance with the contract due to hold a number of years, resulting in negative earnings, then this can only be insured to bear the loss.
The second is that the insured can receive accounts of some of the cash value of the insured can be satisfied with their earnings on cash, for example, are in the afternoon when the bear will go to receive 20,000, leaving 10,000 on account To continue to invest in such policies remain in force, which contains personal protection and effective. But only if the insured to pay a certain fee that is part of the cost of receiving.
The third case is the least encourage the "surrender" and surrender charges are insured under the insurance limit in advance when the lifting of the insurance contract to pay the costs, which receive some of the cost of similar accounts in accordance with the policies of the value of a certain percentage of To be charged, with the proportion of insurance policies where the surrender anniversary of the increasing decline. Surrender of the loss is usually relatively large, the policy contained in the personal security also lost. "In fact, can account for the conversion of the ways to avoid or reduce losses." Liu Xiao stem recommendations.
Careful understanding of the universal risk of "negative income"
Ping An Life Insurance Beijing branch of Wang Kai, a senior agent in the analysis of time to talk about universal insurance, the insured can receive the value of accounts, a very strong liquidity. Because everything is a dangerous compound interest-bearing accounts, monthly billing, and interest into account participation in investment, policyholders can receive at any time and, of course, can not receive a total and re-investment. However, if the policy holders as the use of demand deposits, to the universal deposit insurance at any time, at any time check, it will undermine its high-yield. Only the principal and interest on long-standing accounts, the "roll-li-li" in order to play a compound of "power."
But some consumers bought a universal insurance, payment in a few years after the account was found to be negative earnings. Reporters learned that: universal insurance will be deducted from the first year of about 50% of the initial cost, there are a number of account management fees as well as the risk premium also like to consider the policy holders. If the older policyholders, to pay premium period is not a lot of it, I have a very high amount of insurance, the negative income has come as no surprise.
For example, customers pay 5,000 yuan to pay premium for the period, then the customer can dominate the first year is 2,000 yuan, 3,000 yuan in other costs as the initial dominated by insurance companies. The rest of the available 2,000, based on the customer's age, such as the 50-year-old per 10,000 of the sum insured risk premium is 86 yuan, 200,000 customers choose the insurance amount will be deducted from 1720 yuan of the risk premium, in fact, belong to the customer To invest the money only 280 yuan.
The insured must still clear: the initial cost of universal insurance is not only the proportion of large, long time to pay. Some products in the first 10 years after the still to 5%, 2% of the initial cost. A little bit of arithmetic, we know that the premiums paid by policy holders and investment into the account of the gap between the funds. Investment accounts into the money base is so small, limited natural earnings.
As for the dividend-risk, long-term cumulative annual dividend amount is not very up, the risk is the smallest kind of investment-type insurance. At present, most domestic insurance companies to take the cash dividend distribution, in the form of direct cash surplus will be allocated to policy holders. The dividend may receive a variety of ways: in cash, the accumulated interest-bearing, arrived to pay premiums and reduce the amount of purchase-money to pay insurance, Wang Kai, said: "There is no dividend will bear market in the evaporation of the situation."
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