Linked products and the use of correct understanding

 Investment-linked insurance
investment linked insurance (referred to as investment-linked) in the domestic insurance market has been 10 years, then both the insurance agents or customers, the majority of people are still afraid. The reason is simple: the complexity of sales, and customer There are risks of losing money, agent thankless, when large-scale investment in a company with more people surrender wave of fear. Today, I believe that there was no majority should surrender the person is already a lot of money, when one dollar, has now become two, three or even more, unless the behavior of a handful of misuse may be so but not high income.
reason not to vote with recognized and accepted, for many reasons, insurance company itself, the agent, and the entire investment market, hh, and so many factors. But the main reason is not a correct understanding of it, let alone use it. The purpose of this paper is to make cast even more people know the product.
First, choose the purpose of investment-linked products.
originally set to vote with the purpose of the product is for medium and long term financial goals set, which is often overlooked. the so there in front of the wave, because also here. The so-called medium and long term objectives, generally refers to at least 5 years of investment, perhaps up to 20 or even 30 years. Therefore, the short-term access to income is good enough, is not the main purpose. financial goals OK, that does not use the money short term. For long-term investment plan, we can choose to vote with.
Second, the simple principle of investment related products.
investment related products, a similar pattern of funds sold to investors, funds in accordance with the wishes of customers, distribution in the different investment account, you can put an account. these accounts according to different proportion of agreement to purchase all types of investment funds. At the same time, customers can also follow their own needs to buy some additional risks, such as serious illness, life insurance and so on.
Third, investment in connection with risk control.
investment with risk control, products in their design has been reflected.
1 investment and often even set up multiple accounts. account the level of the corresponding characteristics and risks. For example, certain high-risk account, and set the stock allocation ratio reached 70% --- 95%, the risk is relatively high, but the benefits are very substantial, because the risks and benefits are reciprocal. Some of the settings below 30%, others are not configured stocks, bonds completely, but such an account, you are within a few years, there can be double the revenue, but it risks Min.
if investors are familiar with the capital market can often take advantage of this, depending on the stage to do an account conversion, to avoid risks and increase profitability. but this is difficult for most people. After all the stock market, the blow less and less, even many large fund of sufficient size, can not do this. Therefore, conversion accounts, must be considered for medium-term, lose confidence in the market outlook, which is different from the stock-operation , which can often be short term. the initial stages, you can control the risk ratio of fixed investment account, investment account, the proportion of high-risk less. If you do not care about short-term at a loss, simply to select high-risk account for the long term.
2, use of regular automatic transfer function. If you can not judge how the market in the end, then through regular automatic transfer function, the funds from low-risk accounts, part of the monthly transfer to high-risk account. This can effectively control investment risk, and may not return low. the stock market is always there ; in 2000 to buy investment companies, has experienced up to 5 years after the bear market, but insists to this day, I believe that certainly make money, and no less, which is the value of long-term investment. If you enter 2007, unfortunately, tied up in the location of more than 5000 points, but also nothing to fear, as long as no quit in 2008, are now a lot of cost recovery, and some have been profitable. You can never judge the stock market highs and lows, in that case to buy time to leave that you trust to professional investors.
four investment-linked benefits.
source of investment with the proceeds to buy investment fund gains. open an investment account with a company, view historical data, We will find that the Shanghai index at 1700 points, this account is created, in 2008, when the Shanghai index back to 1700 points, this account has more than doubled profits. Why? called excess income. not every Funds can be a very good income, and if we do not have time to meditate, in the end only to choose which fund, and that the insurance company's investment team is also not a bad idea to screen.
five investment options to vote even when the payment method .
vote for people with very extensive. and according to age and financial situation of the family to choose the appropriate payment method. For young working family, and if there is not enough accumulation can pay by way of each year, such products is relatively low threshold, to pay a small fee each year to be involved. but because of slightly higher initial cost of the initial net, early accumulation may be low. The initial cost of less general focus on the last few years and, thereafter, no longer net, but this time to improve the financial situation, you can invest, more money involved, the insurance company will not charge initial fees.
have some economic basis for the best choice for people who like to pay methods, namely, one-time payment, after the additional investment can be regular and irregular. This payment method less the original cost less, if the timing is good, the first year to get a good income. Now the threshold of many products has been reduced, Even a very short time just to work people can afford the investment.
addition, more affluent crowd for capital is entirely possible to cast even as an investment channel. you know, this is a meticulous division of labor society, they are not good things to good people or professional people to do, is undoubtedly a wise choice.
give some practical examples as a reference.
A king, in 2005 the purchase of a models linked products, 10 million one-time investment, all placed in high-risk account. this period, the highest, the account value is already nearly 40 million, experienced a stock market crash of 2008, the account value has shrunk to 30 million, has now been returned to 400 000. In fact, certain people would think, why not go to 6000 low-risk account, and then in 2008, the lowest point and then back to high-risk account? I think, this ideal state there is no one person can do, Unless God is also more than Warren Buffett.
B Jun, 2001, 1,000 yuan per month in the risk into account (balanced), total of 12,000 yuan a year, adhere to the present, during the initial deduction of certain costs, it is 1 times revenue. do not care deducted from in front of a relatively high initial cost, because we see is the long-term investment. Perhaps some people will say you had a good time to catch up, the stock has been rising. In fact, in the meantime also the experience of collapse in 2008, said In addition, the stock never rose to it? 6100 is the highest point to a certain point? I do not think. China's stock market, but 20-year history, the stock market is more developed Some long-term, the United States, for example, 100 years, although several times the size of the period without adjustment, but in the end, has maintained a rising trend. China is a developing country, potentially very strong, up more space, it is not no reason why we confidence.
Here is an example of actual operation.
investment related products of a company, set up four investment accounts: A, B, C, D.
A account, the proportion of the stock configuration 50m75%, bonds and cash allocation ratio 25m50%.
B account the proportion of the stock configuration 30m50%, bonds and cash allocation ratio 50m70%.
C account, the stock allocation ratio 0m30%, bond and cash allocation ratio 70m100%.
D stock account allocation ratio is 0, bond and cash allocation ratio of 100%.
can be seen from the above, A slightly higher risk accounts, B account the risk to moderate, C account, the risk is very low, D account belongs to no risk.
If only for the long term, period of 10 years, can 100% into the A Account; If you do not want to take the risk, they do not want to get high income, you can add accounts or C Account B; D account income is too low, If short-term investments, or as inheritance tax avoidance using, or can. or, as a temporary over-account, after doing the conversion between accounts is also possible.
if the input, very worried about short-term risk, can be used automatically transferred on a regular basis, from D by a certain percentage each month into an account A account, as some term investments, market volatility can be resolved. You can also configure the number of individual accounts to achieve diversification of risks, future conversion.
pay a certain amount of time by one-time investment such as 30000 or 50000, and then do some additional month, such as 500 yuan per month, equivalent to the Fund will vote results. Many people think that this is insurance, do not want to put too much, actually if only Purchase the company, rather than add other safeguards, it is just only an investment account, money can be removed at any time, do not delay the normal use. Moreover, the 3,5 million of investment, for most families, are not very big figures. We do investment planning, we must consider that this is a long-term investment, try not to interrupt.
vote with the majority of the additional insurance premiums by natural form, that is the risk associated with the incidence increases every year, annual insurance fees deduction will gradually increase. This benefit is more money early can participate in the investment, generate revenue. age to 50 years old, be appropriate to reduce the amount of insurance, so that is more conducive to the accumulation account.
I bought their own investment company, in July 2009 bought near the peak of 5 million, in September 2009 an additional investment of 28,000 yuan, all on high-risk accounts, and now have a small income of 3500 yuan. During this period also earn 5,000 yuan when there are loss-making time. In the same period, I once again put into a fund 110,000, regular activity performed speculation is now caught 10%. The reason behind the investment-linked insurance products, the professional investment team in the operating , and I own stocks and can not handle every day the stock market, the other is not in place its own level, although I have more than 10 years old shareholders of the. short-term investment is not my purpose, short-term profit is not my purpose It was just the change in numbers only to buy it do for my future pension plan, after all, how old I was 40, then I will invest an additional 60 years of age and then transferred to low-risk account after the age is .60 pension phase, this time should not let their feelings with the volatility of investment markets fluctuate.