Jiu Tou 125 original articles
Jiu Tou used to work at Ping An and often visited customers with orphan policies (policies with other agents to follow up on services due to the resignation of the original insurance agent) to provide them with services.
I found that more than 60% of orphans have insured savings insurance, but most of them are confused about "when to receive it, how much to receive it, and how long to receive it."
html After reading this issue in 33 minutes, you will not only gain a new understanding of savings insurance, but it will also help you optimize your financial plan.
Savings insurance is mainly divided into 4 categories:
Savings insurance is supported by the "Insurance Law", and the security of the principal is at the same level as [treasury bonds] and [time deposits within 500,000].
How does savings insurance manage finances?
First of all, financial management ≠ making money , financial management is a kind of planning:
Allocate your money scientifically and use the corresponding tools to achieve your goals.
risk = benefit , we all know this is equal sign.
We buy stocks, funds, and make investments in order to achieve the goal of making money.
Can a family invest all their money in venture capital to achieve their goal of making money?
What goals do you want to achieve by buying safe products such as treasury bonds, bank fixed-term bonds, large-denomination certificates of deposit, and savings insurance?
may be to prevent wasting money, to preserve capital and increase value, to prepare for emergencies, and to prepare in advance for the money that must be spent in the future.
The advantage of savings insurance compared to other tools is:
it can lock in the future decades of and stable positive income now, and when you are in urgent need of cash flow , it will definitely be able to help in the snow; When you live a good life, the asset management tool can be the icing on the cake.
Cash flow:
Cash that flows freely like water.
Why is cash flow so important in our financial planning?
Because modern society basically lives in debt.
As small as Huabei, credit cards, and car loans, as large as housing loans, entrepreneurial financing, and even national operations, they are all advanced consumption.
Is excessive consumption a bad thing? No, this is the driving force of social progress. The premise of
is that can flow and circulate continuously.
The cash flow of one link is cut off, which will affect countless links behind the chain.
[For individuals]
No matter how poor you are, you cannot be poor in education.
Does education fund have to be prepared with savings insurance? Can’t afford to study without insurance? of course not.
Everyone has great expectations for the future and works hard for it, but who can predict what will happen in the next 10 or 20 years?
Savings insurance can assure you now that when your children need to spend money in the future, they will definitely have money to spend .
Just buy as much certainty as you want.
The same goes for pensions.
In addition, I believe everyone is familiar with the term midlife crisis. From the perspective of corporate employment, aren’t cheap and capable young people 100 times more attractive than your middle-aged uncle? As a result, they faced salary cuts or even layoffs.
But when people reach middle age, they are older and younger. They stop talking and don't like it. If they don't like it, they can only hold it in.
various loans, the extremely high cost of living requires a stable income to survive.
If there is a stable cash flow at this time, it can cover the family's rigid expenses, such as: various loans and basic living expenses.
Then you have the confidence to not succumb to the boss's power and bravely say "I don't care!"
There is no need to settle for finding a career that you love, or having time to further your education and make a better start.
[For enterprises]
Business owners know better that profits are just data on the books, and cash flow is the real blood .
The same goes for investment. If the profits are not realized and all is invested again as principal, the risk will be calculated from scratch. The risk I took last time was in vain, and I am always playing a numbers game.
Setting up the safety pad in advance can make the investment win rate higher.
The above is the introduction and significance of savings insurance. I hope the content in this issue can help you with your family financial planning.
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