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Data:2009-12-12 2:34
Recently, some insurance policy holders to vote even experiencing the surprises never seen before: just a few months, the account the price up even one or two into! And the performance of different types of accounts have also shown a significant difference in
Experts remind that, at present, the market has entered a general agreement that the stock market will continue for several years the great bull market, investment and insurance policy holders should be considered in due course even to change the premium between the different styles of investment account for the ratio of allocation to maximize return on investment.
If the insured aware that a rally in equities market, in early April will be balanced investment account for the assets transferred to fund investment accounts, then the price of their accounts has increased by 14%, if the funds are still on the original account, while in revenue of only 9% over the same period about.
This year, with the stock market into a bull market, many investment and insurance accounts with prices there have soared.
Individual accounts exceed 30% price increase
Among them, Ping An Insurance investment risk under the four investment accounts with the price hikes since last December 29 to May 18 this year, the Development Account, to ensure income accounts, fund investment account, investment account value growth of four units of account selling prices rose 19.1%, 1.1%, 30.2% and 3.9%, Pacific Zhisheng-linked insurance, investment accounts under the two act together in stronger prices this year, the balance and stability, dynamic growth of two units of investment accounts selling prices rose by 10.3% and 19.2%
All types of investment accounts in the general price rose circumstances, the Fund's investments account for the most outstanding performance. With Ping An Insurance's investment-linked insurance, for example, the fund investment accounts this year the average weekly price per unit sold increased 1.5%, and, since mid-April, prices increased significantly faster growth rate, according to its latest offer, 4 From 13 to May 18 period, the fund investment accounts per week on average per unit selling price surge by 3.6%.
Account conversions and increase revenue can be used
Currently, the market generally felt that, A-share market is at the beginning of the bull market, and the stock market's big cattle Quotes may continue for several years, a number of old investors fled the stock market have to return to the stock market, while the casting of even the insurance policy holders should also be considered timely premiums in different styles to change the investment allocation ratio between accounts so as to maximize return on investment.
It is understood that, at present, voted with the majority of insurance consists of many different styles of investment accounts, policy holders can choose according to a certain percentage of the premium allocated into one or more of the investment account, and you can also adjust the premiums in respect of different investment account of the allocation ratio, but also between accounts at different investment asset conversion. In general, investment and insurance accounts will be divided into even low-risk income-based investment accounts, with guaranteed rates of return on investment, funds are mainly invested in bank deposits, cash borrowing, etc.; high-risk and high return type of fund investment account, at least 60% of funds used for investment funds; and a stable and balanced types of investment accounts, not less than 20% of the funds for investment in government bonds and bank deposits, and not more than 60% of the funds for investment funds.
When the stock market is not very good times, or policy holders like the sound financial management, can be mainly invested in low-risk income-type or a stable and balanced-type accounts, the other hand, when the stock market with outstanding performance, or policy holders to focus on long-term financial management, the pursuit of the biggest potential return on may primarily invest in the aggressive type of fund investment accounts. From the recent performance of various investment accounts are also not difficult to see that in the current bull market has entered the stock market or the circumstances, the fund investment income account is indeed very obvious advantages.
Reminder:
Forget the opportunity cost of high-yield under
It is noteworthy that policyholders of investment during conversion between different accounts, the insurance company may charge a fee. For instance, some insurance companies, provided that each policy year investment in the first two conversions are not charging a handling fee more than twice the investment conversion fee is 50 yuan for each charge.
At the same time, has not yet voted with insurance coverage should not be members of the public to vote with insurance due to soaring prices of the situation and follow the trend of the insured. First of all, long time, people simply vote with insurance is equivalent to a pure investment vehicle, but in fact an investment company first insurance life insurance to protect the main financial functions at the same time both a certain insurance products. The public to vote with the premise of the investment function of insurance is required for its life support functions.
Second, the single from an investment point of view, even some investment risk is higher than the cost of investment securities, funds and other products. It is understood that even the insurance investment generally charge a fixed initial investment costs, and also charge management fees on a regular basis. To a vote with insurance, for example, each time excluding one-time premium in the investment account for 5% of the initial investment costs, their fund investment accounts monthly asset management fee rate was 0.1%. Usually, the stock funds rate ceiling of 1.5% of purchase to redeem the maximum rate of 1% management fee annual interest rate of 1.5%.
