Category: Insurance tips Release Date: 2006-08-01
Financial products, in the eyes of the people once the vocabulary is unattainable, in recent years but is gradually becoming a part of life for ordinary people. But just know that bank cards, insurance, funds, stocks have been falling behind what is really keeping up the trend of those who know how to make these technical terms to create wealth for their own people. New Year onwards, if you have not considered how to invest well, then squeeze a little proper shopping, drinking coffee, the time to plan what their wealth, you will find yourself become a "financial investors" to buy discounted goods far higher than the fun and beautiful clothes.
Case: Xiao He recently met a friend, she graduated from the past two years, and work is good, a fixed monthly income, living in their parents home, the daily expenses are not large, but it is paid great attention to conservation, except for a few fixed expenses and monthly paid to the parents, 600 yuan for food, Xiao He actually unknowingly saved 50 thousand yuan. And nowadays some young people "Moonlight family" lifestyle than saving a small HE already has a substantial fixed assets.
With this first pot of gold, Xiao He first thought the natural is an investment. After all the money in the bank, although the insurance, but the return rate is less like a one-year interest, and sometimes not worth the piece of clothing. As a result, Xiao He began to read a variety of financial magazines, but to see a month down the study of humanities Although she has good accounting, but the face of various stocks, gold, fund investment is somewhat Yunliwuli feeling. As a fresh graduate of the newcomers, Xiao He in the end how to properly invest in their own hands of the five million?
Investment taken the first step: Determine the fiscal objectives of the He's this small problem, a number of young people nowadays are very common. The face of ever-changing investment market, they have established an investment philosophy. But for how they can be put into practice, but also a lack of clear goals and direction. In this regard, suggested that those young people should first clear understanding of their financial goals.
The so-called financial goals, not simply general "money as possible", but the actual situation according to their own development and expressed as accurately as possible out of a financial management purposes can be realized. Then, around this clear objective to develop viable financial plan, and in strict accordance with it to implement, and ultimately their financial goals. On the contrary, if your goal is not clear, and developed financial plan only buys them on intuition, then the final effect is there is a big variable.
So how kind of financial goals until clear then? There are three criteria: time to clear, the number of measurable and achievable capacities. For example, you expect to buy a home, no problem. When can be accomplished? Do not until you do after retirement? Within 10 years and 30 years to achieve, there is a considerable difference in financial management, so there must be a clear financial goal to complete the first time. OK OK to buy a home, then have to consider the amount of money it is. Cheap second-hand housing suburbs could be achieved as long as 200,000, while the urban areas, high-end single apartment will have to Qibashiwan, the difference between the two equally enormous. Finally, they have the capacity and market conditions based on individual requirements, consider the achievability. Ambitious and timid, in the finance and investment, and China are to be overcome and avoided. Insurance investments:
Money starting point for beginners Compared to other financial products, because the insurance investment risk is low, so the whole, not as fund income, stocks, but it is very stable. Precisely because of this, insurance and investment, particularly for those who are not familiar with the financial markets, or busy with work and had no time to take care of their investment is for beginners.
Perhaps some people will wonder: As a risk management tool, insurance is not "for unforeseen things to do to prepare" and set up do? How can also be financial investment? In fact, the "Insurance Money" has two meanings. The first is the use of insurance products, support functions, to manage the process of personal financial risk to ensure that financial planning to conduct. This is not only necessary, it is very efficient. "Not afraid of 10000, for fear that if" fiscal state of mind, a long time ago our ancestors had, and the most obvious way is to save money management, regardless of the existence of home or bank the money is not spent lightly. It's very much their own to make their own insurance. But if you go to insurance companies, well not take so much money, you can get the same protection. The extra liquidity can be invested in other financial products to create more benefit, so do not be more efficient? Second, the insurance comes with its own financial management functions. Against the people's willingness to invest increasingly strong in recent years, many insurance companies has also designed a number of new insurance, they are the basis of the protection functions, and more to achieve value-added insurance funds.
Participating Insurance: The fastest growing insurance investment income Here, let us first take a look at what is a "dividend insurance." To play a simple analogy, the dividends the insurance company as if it were part of the results into profit concession granted to life insurance consumers, whose role is similar to commodity price cuts, rebates, which for attracting consumers, active life insurance market and promote the development of the role of life insurance market self-evident.
Compared to net savings of business deposits, dividends insurance is a kind of savings with investment risk business, the advantage of the security is good, not withhold tax on interest, in addition to access to foreign interest rates can also share the results of operations of insurance companies, another also comes with some insurance functions. At the same time, dividends and security there are certain unpredictability.
Here in 2005 the new China Life Insurance's "Hung-Yu," co-existence dividends, for example, to compare with the bank savings deposits. First, it is a "discount type" of insurance, the insurance six years, for every 10,000 yuan a one-time return of investors to 800. In other words investors only need to pay the principal amount of 9200 yuan, maturity, investors can be divided into the "principal + accrued dividends." The Bank 5-year interest rate of around 10,000 yuan savings deposits 1,400 yuan, while more than 800 years, but the accumulated dividends, if high, not only can "offset" the difference, plus insurance to protect themselves against investors or Tingyou attractive.
It has been calculated that if the annual dividend yield of 1.5%, then the cumulative dividend of 386.4 yuan. In general, financial experts, the "dividend insurance" income will be higher than the one-year bank deposit rate, but the financial gains restricted by multiple factors, the amount of dividends paid depends on the death of insurance, operating expenses is low, investment channels, the utilization of funds is smooth and effective, and each year the situation is different, and only after the completion of the annual accounting can only outcome. Therefore, dividends are unpredictable and can not be guaranteed. If you believe insurance companies will be an annual bonus of 1.5% or more, buy insurance on the cost-effective dividends otherwise uneconomical.
Who is suitable to buy insurance dividends
In general, dividends and investment, insurance, insurance is a feature in one, basically on schedule to return, there will be dividends. However, for short-term money demand of households, in general, not to the money used to buy dividend Jiyong insurance, because the dividends insurance more illiquid, once insured, in the middle have to use the cash to conduct insurance, surrender may be even the principal is difficult to get full. If you do need insurance to buy dividends, but must first save some of the funds to prepare for the family Jiyong.
For the unstable income families should not buy more insurance dividends, this part of the family should be based on savings deposits mainly to buy insurance, even if it's best to choose a one-year short-term insurance, once the accident of their compensation is higher. For a steady source of income in the short term there is no bulk purchase program families, buying insurance is an ideal dividend investments.
