Flower Street Reference · Produced
Author |Lin Mo.
A generation of investment legend Charlie Munger is gone, perhaps because he feels that A-share shareholders are not empathetic enough, and he also took away **3000 points.
There is a sigh in the circle of friends, as the standard configuration of middle-class financial management, this year, who does not have a green panic ** account, dare not look, dare not move.
On Weibo, netizens spontaneously launched the ** account loss ratio competition:
Some official media advised everyone not to care too much about the gains and losses of 3,000 points, it is just an integer.
Mr. Li Daxiao, a well-known A-share big V, has warned everyone in a serious manner a long time ago: Don't panic too much if it falls below 3,000 points, and handle family relationships well. "Support each other, don't blame each other", life is more important than **, and body is more important than **.
I understand the truth, but it's not easy to do.
After all, since June this year, I have been a ** with everyone, and even Mr. Hu Xijin, who has been through various Shura fields for a long time and has always been undiscolored, has not changed his color before the collapse of Mount Tai, and his emotions have become not so stable in the face of A-shares.
Netizens observed and summarized Lao Hu's ** mental history:
June - "officially became a shareholder Lao Hu and deposited 100,000 yuan".
July - "the day of great red and big joy".
August - "Lao Hu made up 300,000 yuan".
September - "Lao Hu's total loss expanded to 18,000".
October - "The total floating loss reached 40,000".
November - "I don't sell, how can others cut my leeks!" ”
December - "Who is responsible for **!" ”
You want to say that Lao Hu ** is still budding in the end, but he is so professional and senior that he is like a senior executive of a listed company, and he is also forced to "bang against the wall" in the circle of friends: "This method of falling has refreshed my cognitive bottom line over and over again."
* Where can the middle class's money go?
The property market is also different from what it used to be.
A friend of mine has been afraid to like the host's circle of friends lately.
She is temporarily renting back the house she sold. In March, when the property market was in the spring, the landlord bought the house happily. However, no one expected that the property market would go from spring to winter so quickly.
Although various localities have successively introduced favorable policies such as "recognising houses but not loans" and reducing the proportion of down payments, they still can't stop the pace of downward housing prices.
The second-hand housing prices in 70 large and medium-sized cities released by the National Bureau of Statistics in October showed that only Hangzhou and Sanya were the first month-on-month, and the increases were. 1%, Xi'an housing prices were flat month-on-month, and the remaining 67 cities were all **, and the number of cities hit a new high since October 2014.
In the past, real estate in the core areas of first-tier cities was the investment and financial belief of the middle class. But now that faith is also crumbling.
The market price of the house sold by my friend is 20% lower than the transaction price of both parties at that time.
She couldn't help but sigh that her steady and ruthless sell-off was enough to blow in the circle of friends for several years.
But fortunately, she compares her heart to her heart, and it is conceivable that every like she clicks will be bouncing back and forth on the landlord's wound.
In the face of the other party's huge asset loss, now, she has paid the rent with a sense of indebtedness.
But not Versailles, this friend of mine is still facing Sisyphean troubles: although he has successfully escaped the property market, he has to face the question at the beginning: where should I put the large amount of money I got after selling the house?
After working hard for so many years, I originally thought well, and after the sale money was in hand, I would buy all the stable bank financial management, and I would be able to rely on interest steadily in the future.
But now, the once "sound" bank financial management is no longer sound.
After the official implementation of the "Guiding Opinions on Regulating the Asset Management Business of Financial Institutions", buying bank wealth management is also like buying ** and **, and investors need to be responsible for their own profits and losses. As the bank interest rate continues to fall, ** struggles near 3000 points, the yield of treasury bonds has fallen into 2, the property market has been falling endlessly, and since the beginning of this year, the net value of bank wealth management has generally increased, and the net value **, income has shrunk, and even some low-risk (R2 grade) products have begun to lose money.
Douban's fire group is also full of sorrow, which once made the middle class envious, and the pioneers who have been lying flat and living a life of relying on deposits to eat interest suddenly have a sense of crisis and frequently start sit-ups.
Some people are wondering how to cut money, and some people have begun to wonder if they want to start a side hustle.
More people are brainstorming together: where else can we put the money to ensure the safety of the funds under this general trend?
Do you want to rush under 3000 points**? I'm afraid that it's not a disc that catches it, it's a knife.
Do you want to learn from our parents and put it aside honestly? In the past, I thought that the fixed deposit interest rate was low, but I saw that the deposit interest rate could fall again and again. In early June, banks cut their five-year fixed deposit rates by 15 basis points to 25%, and at the beginning of September, it fell to 225%。
Some people have become deposit "special forces" and are flying everywhere to find deposit products with relatively high interest rates. But this is only meaningful for the big rating, and it is not realistic for the vast majority of ordinary workers.
Three years ago, when friends got together, everyone was still talking about how to make money in all sorts of ways, but now, the conversation is about these similar topics.
Once upon a time, the dream of becoming rich from a bicycle to a motorcycle has gone away.
What the middle class is working hard for this is stability. I want a stable health, a stable job, a stable income, and a stable future.
The word "stability" has also become the "main theme" of the current policy. At the recent ** economic work conference, the economic work in 2024 was set, emphasizing that "next year will be."Adhere to the principle of seeking progress while maintaining stability, promoting stability with progress, and establishing first and then breaking".
In such a mood of the times, the advantages of savings insurance products, which were not popular in the past, are highlighted.
Many people once heard about insurance, and they had their own feelings of resistance.
However, in developed countries, insurance has always been an important part of the wealth allocation of middle-class households. After the epidemic, many people's insurance awareness has risen, and they have allocated medical insurance, critical illness insurance, and accident insurance to protect personal health and safety.
Since the beginning of this year, the increase in whole life insurance for savings has also become more and more favored by middle-class financial management.
Many of my friends found out that many of them had quietly bought increased whole life insurance products. In Xiaohongshu and Douban's "Fire Life Group", "Heartbreak Saving Group", and "Investment and Wealth Management Group", netizens are also discussing hotly.
Incremental whole life insurance is a whole life insurance that can increase the sum assured, not only with death protection, but also with a certain increase in the sum assured and cash value every year as the person ages.
If you are 30 years old now, pay 100,000 yuan a year, pay for 3 years, pay a total of 300,000 yuan, and the insurance amount is 30% compound interest increases. Then the cash value of the policy will reach about 380,000 yuan at the age of 40, the cash value of the policy will more than double to about 690,000 yuan at the age of 60, and the cash value of the policy will exceed 1 million yuan at the age of 73 (due to the different strategies and intentions of the insurance company).
To put it simply, topped-up whole life insurance is a protection and a sound financial tool.
Incremental whole life, which has the characteristics of counter-industry cycle and rigid payment, is one of the few optional value-increasing products on the market. The traditional incremental whole life can lock in the predetermined interest rate in the next few decades in advance, write the income into the contract and cash out 100%, so that the asset appreciation is not affected by the downward fluctuation of interest rates.
Knock on the blackboard,In these uncertain times, incremental whole life insurance provides a rare sense of "certainty".
It is still the kind guaranteed by national laws and regulations - according to the provisions of the "Insurance Law", the increased whole life insurance is the same as the national debt and bank deposits.
Compared with treasury bonds and bank deposits, increased whole life insurance also has obvious advantages: the former is difficult to buy and the yield is also declining; The latter not only has a significant downward trend in interest rates, but also only guarantees the absolute safety of deposits within 500,000 yuan (the maximum repayment limit for individual depositors after bank bankruptcy and collapse is 500,000 yuan).
In particular, the following demand scenarios are especially suitable for starting to increase the amount of life:
First, the growth of children. Reserve education funds for your children, which can be accessed at any time, which is convenient and fast.
The second is pension planning. After retirement, you will receive a supplementary pension every year, which will directly improve the quality of retirement life.
The third is the premarital property rulesScratch. If you apply for insurance and pay off the premium before marriage, this part of the assets belongs to the personal property before marriage, and will not be divided in the event of divorce, which plays a role in isolating the risk of marriage, and the value-added part also belongs to the individual.
Fourth, wealth appreciation and inheritance. Wealth is designated for inheritance, protected by law, no tax costs, exclusive assets, and privacy is enhanced.
Some people will also say that there are so many insurance companies on the market, and all kinds of increased whole life insurance products are dazzling, and I don't know how to choose.
Here is a brainless ** method - directly on Alipay. Most people know that putting spare money in Alipay's Yue Bao can increase the value of money from time to time; A little more advanced, I will use Alipay to buy bonds**, index**; But only high-end players know that they can also buy savings insurance in Alipay.
For example, on Alipay, this is underwritten by Great Wall Life Insurance Shares*** An Wenying and Increasing Whole Life 2Version 0. This is a top income product selected by Ant Baojin, and its income exceeds 95% of similar products.
As a state-owned holding insurance company, Great Wall Life's strength and anti-risk ability are self-evident. Coupled with the Alipay platform, with the blessing of double credibility and strength, the policyholder can properly put his heart in his stomach.
This product will:3.A predetermined interest rate of 0% is written into the contract, which is not affected by market interest rate fluctuations in the coming decades, and is 100% guaranteed. Don't mention the ** that is so green and panicked right now. Compared to a 5-year period of 2The fixed deposit interest rate of 25% is very obvious. At the same time, you don't have to worry about interest rate fluctuations and even losses just like financial management.
Abundant and thrifty, flexible insurance methods. Starting from 100 yuan, you can also choose to invest monthly and annually according to different needs, pay off 3 payment methods at one time, and choose to invest for 3 consecutive years, 5 years, 8 years, and 10 years. In addition to the simpler and faster procedures, the more insured amount in the policy, the sooner you can enjoy compound interest and appreciation, and the more income you will have.
For example, Mr. Chang, who is 30 years old, has 500,000 idle funds, and when he pays a stable profit at one time, the cash value of the policy can reach 203 by the age of 79460,000 yuan, which can be received in full at one time. With this money, the quality of life in old age must be leveraged.
For example, Ms. Li, who is 25 years old, chooses to pay 3,000 yuan per month for 8 years, which is less stressful, but accumulates more with less, and pays a total of 2880,000 yuan. She can flexibly make a plan to get back according to her life plan: for example, at the age of 40, she will receive 30,000 yuan for fine-tuning, at the age of 48, she will receive 80,000 yuan as the child's college expenses, and at the age of 60-62, she will receive 90,000 yuan per year, so that the quality of life of the elderly can be expected, and at the age of 99, you can receive 81330,000 yuan, leave this money to your children, a total of 119330 thousand.
Search for [Increasing Longevity] on Alipay to see which product is more suitable for you, and choose the right Increasing Longevity product.
At the end of the year, the Alipay platform also has limited-time benefits: first, Anxin Beans deduct premiums, and the maximum deduction amount has been increased from the usual 200 yuan to 500 yuan; The second is to search for increased life and enter the Anwenying insurance page, and you can get an 88 yuan accident insurance coupon;If you successfully apply for insurance, you can get another 2,888 yuan accident insurance coupon.
The little hands quickly moved
I also have to remind here that the continuous reduction of market interest rates is the general trend, 3The 5% increase in whole life has become the back of the times, and it is also very likely that the scheduled interest rate of the increase life product will be lowered again in the future.
In a word, get in the car as soon as possible.
The money-hungry and lustful Flower Street is committed to bringing more valuable reading to everyone. Original**Please indicate**Flower Street reference (zaraghost), author, infringement must be investigated.
Previous Hot Articles· Recommended.
Click below to read.
Reply to Lust in the background to get colored content.