"The social pressure is increasing, and I want to save money for my children while I am young and capable".
The child doesn't know how to take care of the New Year's money every year, and he feels that the bank's income is too low when he wants to save it."
I want to allocate education funds, marriage funds, entrepreneurship funds, and even pensions for my children in advance."
Parents with these ideas, congratulations on your financial management concepts and educational concepts that have been ahead of most parents.
Children will face the world completely independently in the future, and they will encounter the world's problems: such as job unemployment, entrepreneurial failure, marriage to buy a house, and child support expenses. At this time, there is a sum of money that can be used, which is undoubtedly a relief in the snow. Today, I would like to introduce to you a financial management method that can be fixed deposit in installments or a lump sum payment--- savings wealth management insurance.
Table of Contents: What is Savings Wealth Management Insurance? Compared with bank deposits and financial management, what are its advantages? Product Recommendations and Benefits PresentationFinally, when it comes to insurance, it can be simply divided into two categories, protection insurance and wealth management insurance. We often come into contact with protection insurance, including critical illness insurance, medical insurance, accident insurance and other personal risks such as illness and accidental injury. Today, many people no longer buy insurance simply to get a guarantee, but choose insurance as an important option for asset allocation, playing its role in accumulating wealth or diversifying investment risks, which is what we call wealth management insurance. It includes annuity insurance, participating insurance, increased life insurance, etc., which can enable the policyholder's property to achieve capital preservation and appreciation. Security assets: The Insurance Law requires that insurance companies engaged in life insurance business shall not be dissolved except for division and merger, and the insurance company is safe, and the money placed in it is safe and can be rigidly paid. This is evident from the fact that banks are also insuring depositors' deposits. 
Mandatory special use of savings funds: self-management such as ** financial management, bank financial management and other poor discipline, often disrupt the original plan of misappropriation. Financial insurance can help buyers develop good financial habits by paying regularly and agreeing on a time.
ps: Two days ago, I went home and saw that my mother bought a Minsheng Life insurance 20 years ago, although the insurance income of both types is very low, I generally do not recommend buying it. But there is an advantage that this part of the money is really left behind and has not been misappropriated at will.
Principal-protected and high-yielding: At present, only bank deposits are principal-protected, but the interest on bank deposits is very low, and as of December 23, the five-year fixed interest rate of major banks is up to 2%. And interest rates will continue to fall. Even if some banks launch high-yield products, they generally do not protect the principal, and the specific income is not guaranteed.
Endowment insurance not only protects the principal but also calculates the interest rate based on compound interest. For details, see the article: Interest rates continue to fall, where do bank deposits go?
Lock-in interest rate (future income can be seen): Wealth management insurance, such as increased whole life insurance and annuity insurance, is a product that is formulated according to the current interest rate and will not change with the decline of interest rates. Not only the moment of insurance, you can see the specific income of the future year, but also write it into the contract. Compare the benefits of each product before deciding whether to insure.
Long-term sustainability: ordinary bank deposits or wealth management products. Maybe there will be a good return for a short term of 3 to 5 years. But at the moment when interest rates are falling, we also need to consider where the funds will go after the maturity of this investment, and whether there are such good products. Savings insurance, which is a type of product that can be invested in the medium and long term, can last for as long as the insured is 100 years old.
Legal attributes: Savings insurance has certain legal attributes, such as premarital property, pre-mortem property planning, and posthumous property planning. It can also be used as a wealth inheritance to designate a beneficiary, and the income will be automatically given to the beneficiary after 100 years of the insured. I recommend two products to you, the first is a product that can determine the income, increasing the amount of whole life insurance. Take the 0-year-old male treasure 50,000 * 10 years payment as an example (other amounts of income can be converted proportionally), you can pay annually and pay in a single payment (one **clear). 
This product has been paid back in 10 years and doubled in 30 years. The internal rate of return (IRR) is infinitely close to compound interest, and if it is deposited and withdrawn in a lump sum, it is equal to compound interest. What you see is what you get, and the benefits are reflected in the contract. Compared with bank deposits, the five-year fixed interest is 2% and is still simple interest, which is higher and lower.
The second paragraph is the guaranteed income (2.).5%) + participating life insurance with uncertain dividend income. (Monthly, annual, and single payment).
The income of this product is the cash value of the guaranteed benefit + the value of the dividend benefit, of which the dividend benefit is an expected income and is not guaranteed. However, based on the insurance company's fulfillment ratio over the past 20 years, it is greater than 100%. (Equal to 100% will achieve the expected return, greater than 100% will exceed the bonus more).
The Chinese shareholder is PetroChina, and the West-East Gas Transmission Project and the Beijing-Shanghai High-speed Railway Project are all projects with high return on investment. The foreign shareholder is Generali of Italy, founded in 1882 and has more than 100 years of business experience, which can ensure the stable operation of the company.
Two products, one to ensure stable and sustainable income, the other is not guaranteed to achieve a higher income. Each has its own advantages, everyone chooses according to their needs. For specific details, you can add me to WeChat communication. (Due to the continuous downward adjustment of interest rates, the sales time of the two products recommended in this article cannot be guaranteed) The money given to children cannot be lost, and if there is a way to protect the capital and the income of financial management, it is only insurance, because the surname of insurance is Bao. In case you missed 4025% and 3A 5% priced savings insurance product, then an insurance product with a predetermined interest rate of 3% is your best choice at the moment when the interest rate continues to fall.