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Data:2009-12-12 2:34
Investors in the finance and investment, it always want to take smaller risks, to get more benefits. But what if because of accidents caused by interruption of income, there is no "wealth" should be grounds how to do? National Financial Planners Professional Committee of the Secretary-General Liu Yanbin, once told reporters: "Insurance is a basic element of financial management, insurance is a risk management tool, is 'to prepare for unpredictable things'." So, what should we be banking and insurance combined together?
Insurance products available in the market is divided into four categories: traditional insurance, dividend insurance, universal insurance and investment linked insurance. From the species point of view, the traditional risk categories are pure protection insurance, the latter three kinds of insurance protection and investment will melt in one belonging to investment-oriented insurance.
The insurance companies from selling merchandise category view, with the savings and investment banking functions of insurance products even more by investors of all ages. However, while the insurance itself, with the financial management function, you can protect the function of insurance funds while achieving value-added. However, relative to other financial products, smaller than the whole of its revenue funds, stocks.
Financial experts suggest that if the only insurance protection features, then the insurance investment should not exceed 10% of annual household income; if at the same time value of its financial functions, financial planning recommendations can total 20% -40% of funds. Therefore, investors may be according to their different situations in different periods to choose different insurance products and asset allocation.
Single phase
This phase is relatively low income and spending big. Xinhua Life Insurance, Chengdu Branch Office Ms. Zhao suggested that young people may be preferred when the insured accident insurance, since such insurance premiums low, but the sum insured high, Xinhua Life Insurance, the multi-PAT products are ideal for such a crowd, at this time insurance, financial planning of the total capital ratio should not exceed 10%.
Issue Stable Families
In this stage, everything becomes a stable a lot, so choose a refund of insurance. But investors also should consider your own pension and some of the larger problem of disease, therefore, should choose to buy the favor in the education fund, the parents to protect their own insurance products. Insurance, financial planning at this time the total proportion of funds available at 20%.
Retiring
The main content of this period should be based on dignity for the purpose of financial management principle is that the body first, and wealth second. Before the age of 65 to view their own already have life insurance, the appropriate adjustments. For example, the Xinhua Life Insurance, Life Insurance Fu, such as the East China Sea (C section) (dividends type) and other products.
