.5% high-yield increase lifetime life insurance, as the hottest financial insurance this year, why are it always removed from the shelves and suspended?
is hyping up and doing hunger marketing?
Recently, friends who are concerned about financial management must know that the current very good life insurance for increased capital:
Jinyu Mantang (also known as: Hongyun Zengli , or Jinshensu ) will be gone soon by the end of this month.
Its revenue performance is very good, with compound interest reaching 3.49%, and it is in the first echelon of the increase in the lifetime life insurance market.
So, my background news has exploded these two days, and is all asking about the removal of the shelves. Do you want to rush to buy a copy of ?
Then today we will analyze what is the increase in life? Why remove it? And what good products are left to buy before they are taken off the shelves?
Enter the main text below.
Why is the increase in life so popular?
In fact, the reason why the increase in life in the past two years has become the first choice for many middle-class and rich people to manage their finances. Some rely on themselves to strive for themselves, and the other rely on the environment to set off.
You can observe the domestic investment environment in the past two years and you will know:
is more radical, like stock funds, like green;
is more stable, like deposits and bank wealth management, the interest rate is even more scary...
And on September 15, The four major banks of the Industrial and Agricultural Construction Corporation even announced that they would lower the deposit interest rate again.
This makes deposits with low returns worse.
Not to mention that after investing, even bank wealth management, which has secured returns, has no longer guaranteed principal and interest after this year's new asset management regulations.
Now if you don’t choose the right one, you may even lose all your principal.
and increase the life span, but relying on the ability to lock in 3.5% of compound interest returns, it suddenly became a hot financial product.
At the same time, it is relatively free and flexible. If you want to use money in the middle, you can withdraw it with a reduced insurance policy;
plus if you have spare money in the later stage, it also supports you to add it, and it has the same security as treasury bonds. The poor environment of
instead highlights the good life expectancy.
The truth about frequent withdrawal and suspension of sales in the shelves and
However, the popularity of increase in the shelves soared, and soon attracted the attention of regulators. Several times, requiring removal or suspension of sales in the shelves. There are two main reasons behind
:
0 4. There is a risk of interest rate spread loss
1 In the past, the market environment was good, and there were many opportunities to make money by investing. The insurance company charged your premiums and invested to earn a higher rate of return than 3.5%.
This end gives the customer a 3.5% yield rate, and there is no problem at all.
But everyone must be aware of the investment situation this year. It is only a wry smile when facing the account numbers, making money is becoming increasingly difficult.
Then insurance companies must also recognize the situation. If they continue to maintain the current high-yield insurance policy, basically the more they sell now, the more they will lose in the future.
This is the fundamental reason for the outage of sales!
. The design of addition, subtraction and insurance is unreasonable.
is too flexible and may also lay a huge pit for future "redemption".
Before most products had almost no restrictions on the number of additional and subtract insurance times and amounts.
If you have spare money in your hands, you can add additional insurance.
is urgently used, and you can also withdraw cash at any time by reducing the insurance policy.
Get 50,000 today and 100,000 tomorrow. We are happy, but the insurance company is under great pressure.
If you invest in some long-term projects and have not seen the returns, customers will ask the insurance company for money, which will inevitably bring the risk of losses.
Therefore, the regulatory authorities will ask for removal from the shelves and rectification, and those who need to be tightened will be tightened quickly.
Jinyumantang is out of sale at the end of this month. Is it worth buying?
At present, the policy of adding or reducing insurance for life increase is relatively loose, and the returns are quite good.
The most important thing is that ordinary people can still buy good products that can be counted with one hand. It is really just a stop and one less.
For example, on May 14 this year, the Patron Saint 2.0 was suspended;
Then on August 9, Yiyue Wuyou also suspended;
Then, it was about to September 30, and Jinyumantang was fully removed from the shelves.
1. The new products that are launched in the future may no longer be better than old products in terms of income, insurance reduction, and repayment speed.
Why do you say so?
This is like if you want to buy an IPhone. With the updates and replacements, the performance you can buy is getting better and better;
But the increase in the amount of life is different. The products you can buy in the future will only become more and more ordinary, and this is the market investment environment. Products with a yield of 3.5% such as
are completely removed from the shelves. From now on, only products with a yield of 3.2% and 3% can choose
. So if you want to ask me: Do you want to get on the car now?
I will advise you, Don’t impulsively buy to chase and stop selling.
But if you are considering it yourself, you have spare money in your hands, but you dare not invest casually, or want to save an education fund for your children and save a pension for yourself.
Then you can take advantage of this time to get rid of the shelves and get it in advance if appropriate.
In addition, if you are still struggling and want to compare yourself and do your homework:
In order to facilitate everyone, I spent a week to evaluate all the only remaining popular life-added products on the market. Which ones are removed from the shelves immediately, which are high in returns, and which are flexible in additions and subtractions, and all are sorted out.
If you need it, you can save it and collect it. Study which one is more suitable for you:
Overall, Jinyumantang's profits are still very good, and it is a good choice to make the asset stable appreciation.
This product will be officially removed from the shelves on Friday.
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