Someone said: "Ordinary working-class people should never buy financial insurance. They will lose money within a few years or even ten years. Don't say 3.5% within twenty years, even 1.5% is impossible!"
He understood it right, but he was wrong.
If the savings insurance is surrendered within ten years, the principal will indeed be lost.
However, the prerequisite for ordinary workers to buy new savings insurance is long-term financial planning, and the money invested in the insurance should not be touched within ten years.
Workers’ salaries are tight. On the premise of ensuring the current quality of life, I don’t have extra money to invest in long-term financial management. However, I have long-term financial management awareness and know that interest rates will continue to fall in the future. If I don’t invest now to lock in 3.5%, I won’t be able to buy in the future. High interest rates, what to do?
If there is such a new type of savings insurance, the compound interest rate is locked at 3.5% when you buy it for 10,000 yuan. If you don’t have the money now, you can’t buy more. In the future, even if you have 1,000 yuan, you can add it and enjoy the same lifetime 3.5% interest, and you can withdraw it flexibly after ten years. Can it meet the long-term financial management needs of the working class? Does
really have such a product?
professional objective neutral
