With the development and progress of the society, especially the rise of the middle class, personal and household wealth accumulated quickly, national wealth management and asset allocation for the family cognition, concept and ability improved, there is an increasing demand for diversification personalized investment products, in the current form of policy and economic instability, people also clearly aware that asset allocation is the premise of ensuring the safety of and behind to have a stable income. In addition to savings and real estate, more people began to pay attention to and improve the proportion of insurance in household assets.
In the opinion of the insurance asset experts of zhongjingguofu, in the context of global economic downturn and frequent risk events, the basic protection of family members and the preservation of assets are the most important. Survival money ” Insurance, the first barrier, is set to become the standard allocation of more households, household wealth management and asset allocation is coming. Insurance era ” .
Reassure yourself: 20% of your assets should be insured
As the most reasonable and stable way to allocate family assets in the world, the famous standard & poor’s family assets quadrant chart tells us that as the money to protect life, insurance accounts for 20% of the family assets, which is the most scientific, which is more than 10% of the daily expenses of the family.
Why is insurance so important in a scientific allocation of household assets? Because in the face of unknown risks in the future, insurance is a relatively stable guarantee to deal with unexpected large expenses.
This account can not see what effect at ordinary times, once family members have accidents, major diseases and other special circumstances, only it can ensure that families have enough money to protect their lives, not in order to use money to sell cars and houses, borrow money everywhere, or even poor overnight. Without it, household assets are at risk.
The integrated by national wealth insurance assets experts also suggested that the account has become each family out of the account, money more configuration, no less money configuration, in order to face the risks in the future, you can, asymmetric rid of sudden large overhead, so should be priority to accident, serious illness insurance, using leverage effect of insurance, with low input, to obtain the guarantee of the future.
The greatest function of insurance is always to stop losses and protect, not to benefit
Today, it’s all over the place. On the change of the color of insurance ” It can be said that insurance, as a more rational and more intelligent form of wealth management, is being paid more attention to and used by the society. However, with the continuous improvement of people’s demand, insurance products are also transformed from the original single security model to the dividend model. People can see that insurance can not only protect families, but also increase asset income. Therefore, when many people are configuring insurance, dividend and income products become the first choice instead.
In this, in classics country rich expert reminds especially, the basic function of insurance is to stop loss from beginning to end and be not accrual, be in especially when current economy enters next way of life, the risk is very tall, asset safety became heavy in, see accrual simply, oversight safeguard function, certain level, can increase domestic risk.
As for the reasons for this situation, experts pointed out that, on the one hand, it reflects that although residents have a new understanding of the concept of wealth management, they still lack rational and professional judgment, and are easily blinded by the income and neglect the basic security. On the other hand, also see individual insurance company is to sell his product, highlight benefit advantage to attract a user painstagingly, and did subtraction in safeguard respect. In this regard, experts further suggest that, on the one hand, the insurance industry needs to enhance self-consciousness and consciousness, from the perspective of demand and security, return to the heart; On the other hand, more third-party service platforms and consulting institutions are also needed to erect a barrier for the public, strictly screen various types of assets, including insurance, and objectively customize more scientific family asset allocation schemes in line with their own needs for each user.
As the leading integrated community service platform in China, China guofu takes the lead. Customization + preferred ” For the purpose of strict inspection of a number of platforms, in particular, the docking zhongan insurance cooperation platform products. Different from a single product of an insurance company, this system integrates hot style insurance products of more than 30 large insurance companies, such as zhongan insurance, ping an insurance, picc insurance and China Pacific insurance. As long as customized requirements are put forward and precise analysis of the big data system is carried out, the best quality assurance products can be selected.