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Data:2009-12-12 2:34
Pacific-Aetna Life Insurance Co., Zhao-Hui Zhou Tan, director of business investment, "in the era of low interest rates, the insurance necessary to protect the main medical and accident." Pacific-Aetna Life Insurance Co., Zhao-Hui Zhou, director of operations, said in an interview.
Buy insurance focuses on security in the Zhao-Hui Zhou view, due to the planned long-term life insurance rates at historic lows, if at this time to purchase a large number of old-age insurance, savings-type insurance in the future increase in interest rates, and this part of the asset rate of return will seems too low.
Therefore, he can think pension funds, bonds, and relatively high yields of financial instruments to reserves, as for old-age insurance, such as the interest rate is best considered after that picked up to a certain extent.
The insurance experts pointed out that in the current circumstances, to purchase insurance, the main consideration should not be the return, but to protect, and the "medical insurance + accident + term insurance," the combination will be able to meet the most cost-effective, high-security insurance needs.
Well, the insurance amount is limited to the scope of what more appropriate? Zhao-Hui Zhou to reporters write such a formula: "Demand + liabilities - current assets = insurance amount."
He said: "This is a matter of principle formula. You have to do an estimate for themselves and planning, that is, what happens if misfortune, in order to maintain you and your family in the future 10 years, 20 years, the standard of living, about how much funds; your current purchase, the number of car loans owed to banks; you are currently in stock, funds and other immovable property and how many assets ... ... to determine the future of these projects, you need to be able to roughly estimate the amount of insurance out . "
Since the long-term optimistic about Shanghai property market recently, the Government's real estate market control policies introduced in succession. Zhao-Hui Zhou in Shanghai, I also have several properties, but he said he remained optimistic about the long-term development of Shanghai property market. He told reporters that the short term, these policies may have some impact on the property market, but primarily affect owners of those large-scale real estate speculators; but for those who sound investment property, this investment remains healthy and highly with appreciation potential.
"Shanghai as an international metropolis, attracting a large number of international investors. And Hong Kong's current 90000 per square meter price of a house 10 million, Shanghai, the price per square meter 1 million, there is still much room to rise , as long as Shanghai's overall economy and people's incomes continue to rise, house prices will not easily fall. "However, he also suggested investors:" If you want to invest in real estate, the most recent best to keep waiting to see the state, and so the impact of policies implemented, before making a decision. "
Prior to do first hands-on "assignment"
For the current investment boom antiques, Zhao-Hui Zhou, also showed strong interest. Because he was around a lot of friends and customers have started to learn appreciation and collection of antiques, on the one hand the pursuit of spiritual enjoyment, yet it at the appropriate time to increase their own wealth.
"In the long run, the benefits of investment in antiques are: firstly, by the policy and the macroeconomic impact of extremely unlikely; Second, the appreciation potential, at the very least be able to hedge against inflation." Zhao-Hui Zhou in turn added: "Of course the investment expertise of antiques require a high viewer is not aware may be deceived in the tank. Therefore, in hands-on, make sure to do a lot of 'homework'. "
