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Data:2009-12-12 2:34
HE Bing Tang
In recent years, with the rapid development of the national economy, people have begun to increase in the hands of spare cash, investment and gradually increase awareness of the use of new financial instruments to finance and investment, began to become a trend, major financial institutions are competing to introduce a variety of financial planning products to attract customers. As an important component of the financial market's major insurance companies, also has launched its own financial insurance products, has a security function at the same time, also has investment features, are very popular. As consumers, in the New Year period, in the end how to buy financial-based insurance products do, in general, the use of insurance products, finance and investment, the following considerations.
Establish a correct idea of the insurance money management
Insurance, financial products and other financial products insurance products, the biggest difference is that not only has the investment function, but also has the support functions.
Therefore, before insurance, consumer finance, first, do not simply insurance, financial products and other financial products, a simple comparison, because they do not have the comparability of the product itself; secondly, not all those who wish Hebei financial products in insurance, in accordance with the West The classic theory of financial planning, the correct concept of fiscal management should not put all eggs in one basket, the same is true of insurance, banking and insurance products are only a financial management tool only, to learn the rational allocation of assets; Finally, do not be too Multi-value short-term gains, insurance and wealth management products are mostly for long-term product, conducting financial spending, its return on investment is also a long-term change process, there are both high and low, and the overall economic development, environment and investment climate are closely related.
Carefully assess the assets
Asset assessment is the first step in insurance, financial management, whether this step by the consumer himself or a financial advisor to help complete, is essential for a loop.
Generally speaking, assets assessment is mainly directed against their own monetary assets that can be mobile and have a variety of financial products for statistical analysis, according to a reasonable asset allocation and prudent fiscal policy, bank savings products in the personal-monetary assets should be accounted for at least 50% or more the ratio of the stock high-risk products are not more than 10% in investment insurance, financial products are not more than 40%.
Since most consumers are unwilling to disclose privacy of their assets to others, therefore, the assessment phase of assets, financial advisers generally difficult to understand the true financial position of consumers, in view of this, I propose that consumers can own the asset allocation based on the above principle, determine the amount of investment type of insurance to buy.
Select the appropriate insurance companies and agents
Insurance, financial products and wealth management products in general different, with a contract for a long time and strong binding characteristics, generally has to wait until after three to five years to honor a one-time or by installments the sum insured and dividend income. Insurance, financial products, such characteristics determine the time of purchase must fully understand the insurer's capital strength and financial position, imagine, if the financial situation of an insurance company is not good, so you find an insurance contract expires, the company had gone bankrupt , and how to ensure their rights; secondly, funds of insurance companies must pay attention to operational capabilities, it is because the insurance industry's use of funds is limited, and if the use of funds, and heavy investment income is limited, insurance, financial products, income is limited accordingly.
In addition, choose the right agent is also crucial, generally choose their own knowledge or an agent recommended by friends and relatives better.
Choose the right insurance, financial products
Insurance, a wide range of financial products, but not all are suitable for a product itself. In general, the insurance financial products are mainly divided into three categories: First, investment-linked insurance, and second, universal insurance, and the third is the traditional insurance dividends. Each of these three characteristics of the insurance, consumers should select the appropriate type of their own.
Among them, investment-linked insurance is a high-risk insurance products are more suitable for those who seek high-yield, high-risk clients, the investment-linked insurance products, investment income and the stock market closely related to a certain extent, can be said that the stock market barometer.
Universal life insurance combines protection and investment features, and an investment account in which there is security at the end of earnings, for those who value both the security function but also to the investment function of the consumers, universal life insurance is also an option. However, the early costs are relatively high return on investment unless the universal insurance rate is high, otherwise, not very cost-effective.
Traditional profit-sharing insurance is to resist changes in inflation and interest rate weapon, but also enduring international insurance Changxing, one of not only security function, while the dividend with the functions, you can ensure that insurance products, value maintenance and appreciation for those who pay attention to sound investment philosophy the consumers, the traditional dividend risk is the best option. For example, the U.S. "Fortune" Global 500, China's largest insurer China Life Insurance selling Hongxin, and Jin-Shin is one of the outstanding representatives.
