I talked yesterday: The interest of the mortgage will continue to fall.
Why do you say that?
The market has determined that there will be strong interest rate cuts in the future; interest rate cuts are a long season, endless.
Say an indicator that ordinary people rarely pay attention to:
10 -year Treasury bond yield rate
It is an anchor in interest rates.
The latest 10 -year Treasury bond yield is 2.41%.
Under the premise that 0 risks are generally explained, the interest rate level given in the next ten years now.
This value has been falling;
Especially in the past year, it is getting lower and lower
I made a picture, which is quite intuitive:
10 -year Treasury yield curve.From 4.52%10 years ago, it was only 2.41%
Data Source: Ministry of Finance-China Treasury yield curve
In the past ten years, the "anchor of pricing" of wealth management has become lower and lower.
High interest interest, extinction; the current proposition is good interest that can be found.
The current good interest is the high interest rate in the future.
I also talked a lot:
1) 5 yearsPeriod large deposit bill.
2) Interests
3) Annuity insurance and so on
(Of course, different products have each others advantages and disadvantages)
Two
Speaking of this, I also scratch my head.
I have talked about a few very good life and annuity insurance, all of them can be bought.
The removed from the shelves, but the sale.
The killing people caught off guard.
There are many people who want to know. I have to introduce another wave-
Is there any products that can be played now?Yes.
Simply speaking, a comprehensive strength is strong, and there are not much shortcomings in all aspects.
You can also use it to compare other annuity insurance.
Call.
This product comes from everyones insurance, which is the previous Anbang Insurance; it was later taken over by the national insurance security fund and renamed everyones insurance.
So the current background of the national team is reassuring.
It is also called Huichuan. It is quite similar to the original Guanghui selection.
0-65 years old can buy (B of 60)
After purchasing, women can start to receive money at the earliest 55 years old;Men were the earliest 60 years old.
annual collar or monthly collar can be used as pensions.
In about 20 years, the IRR compound profit can be close, reached, or more than 3%.
The higher the life, the higher the return.
There are three versions.
Explanation of one by one-
A model is a satisfactory medium rectangle.
All the terms are balanced and meet the most popular needs.
There are no obvious disadvantages.
It is Live Living . After starting to collect it, as long as people live, they can always receive money.
until the death.
It also guarantee for 20 years.
If the person died in less than 20 years, Bao Di would give the remaining money to his family at one time.
This is guaranteed:
Even if they die early, it is suddenly likely, and there is no time to surrender to get the cash value.
The return will not be too bad.Early death or even higher compound interest
I make a table comparison-
30 -year -old mens delivery 20,000 annually, Pay for 20 years and receive it at the age of 60.
It can receive 42,440 yuan each year.
The yellow marked yellow in the form is the IRR return of timely insurance.
It can be seen that the more longevity, the higher the return .
It is easy to exceed 3%, or even more than 3.5%, or even more than 4%.
Receive the cash value of more than 20 years to 0, and it does not matter if it is returned or not.
If it starts to get it, it will suddenly hang up, as shown in the red frame.
The money that guarantees receives is not too bad.
If the premature death is even higher.
(Of course, you cant enjoy it yourself, it is for your family)
SoThe popular taste will not be too bad.
If you are interested, you can click on the appointment consultant to chat well.
Three
is the sword walking edge.
Personality is very strong.
The readers on my side have a lot of singles, often saying:
Money for future generations.Its most important to be chic.
Is there an annuity insurance that suits me? During his lifetime The more you get the money, the better , regardless of death .
Haha, then you can look at
It does not guarantee the receipt clause, and it will not give a lot of money.After being collected, there is no cash value.
So if you die early, the return will be very bad. In the worst case, you can only keep the capital.
To live a high life, there will be a high return.
But its benefits are also very prominent -more annuity is given.
The money that can be received each month every month will be significantly higher than the A or C.
For example, a 30 -year -old woman pays 50,000 yuan per year, pays for 20 years, and starts at 55.
A model can receive 82,400 yuan a year, and the C type is 73,100 yuan a year.
B will receive 87.15 million yuan a year.
a lot higher than the two AC.
So it is to buy it for those who are very confident in their life span and want to walk around for a while.
If you are interested, you can click on, and make a good chat with the appointment consultant.
Four
Finally, talk
It is a 20 -year regular version.
It is characterized by it that when the money receives the money for 20 years, it will give birth to a 15 -year life./strong>.
55 -year -old collar, 75 -year -old to give birth to a birthday, which is equivalent to getting 90 -year -old money.
This return will be very high.
For example, a 30 -year -old man bought, paid for 20 years, started to receive it at the age of 60, and received his birthday at the age of 80.
This years IRR compound profit can reach 3.62%.
Living to 75 and 80 years old, it is not difficult for modern people.
Still confident that I can get this money.
So the C model is a gentle and ecstatic model, pursuing a certainty -
I worry about life, and want to get high lifes return.You can choose
But there are two disadvantages of the C number-
One is to only guarantee for 15 years.
If the insurance is not applied in time before the death, the return will not be very good.
Unlike A, it guarantees for 20 years.
Second, the life of the C of C is particularly high, and a large amount of money is given for 20 years.
But, the annual annual money that has been received each year is not too high.
will be a lot lower than the AB model.
belongs to the typical:
Sugarcane has no sweetness.
The concubine, your blessing is behind
A pursue balance, live up to yourself and your family;
B pursuing a pursuit of chic;
C pursuit of certainty, enjoy high returns early, but some money delayed satisfaction and satisfiesEssence
Which one do you prefer?
