Many people are shocked when they hear the term "investment insurance policy", and immediately think of "will lose money", "high risk", and "not insurance for protection".
But you know what? This kind of thinking actually ignores its original design purpose.
In fact, the risk level of a Trusted Investment-linked Plan is not a fixed pattern, but can be determined entirely by you.
About investment-type insurance policies that most people don’t understand:
1. Risks are controllable
If you want stability and low risk, you can choose conservative investment.
Investment insurance policies are not like stocks, where you can only choose to charge into battle. You can also choose a conservative asset portfolio, such as bond funds, money market funds, or even targets with principal preservation or minimum returns.
To put it simply, if you want it to be stable, it will be stable.
Many newbies who are new to investing always mistakenly believe that all investments are high-risk targets; as long as we choose to plan and allocate to low-risk products from the beginning, the volatility is actually even safer and more stable than the ETFs you have been buying randomly.
Many investment novices always have strange ideas. You are willing to listen to stock market experts who come from nowhere, and spend money to buy high-dividend ETFs whose portfolios you don't even understand, whether they are all medium- to high-risk. Why do you still think it is more dangerous to actively choose low-risk investment insurance?
2. Investment is guaranteed, no worries
Many people may not know that investment-type policies actually also have life insurance or medical protection functions.
In other words, even if the investment account you actively choose to achieve high returns performs poorly, if you really encounter a major accident, you can still claim compensation as usual, and you will not be without protection due to market fluctuations.
Just this point alone is something that ordinary funds and stocks cannot even achieve, without even a thought!
3. Long-term holding, the risk will be diluted by time
The word "investment" is not a short-distance race, but a marathon-like long-distance race.
The short-term plan of amplifying assets in a very short period of time is called "gambling", so please don't let your imagination run wild.
Many clients just want to develop in a "stable and conservative" way at the beginning. This is what I recommend to beginners. Invest a little bit every year. Although the profit output is not explosive, in the long run, the steady growth of account assets can directly become a reserve fund for retirement.
The key point is that you don't need to watch the market every day like before, nor do you need to study things that you don't understand and study until you feel dizzy.
As long as you choose the right target, hold on to it steadily, and make timely adjustments, the long-term results may be much better than you imagined.
4. Flexible use of funds, more flexible than others
Another thoughtful design of investment-type insurance policies is that the dividends produced can be chosen to be retained or withdrawn. If no more capital is invested for compound interest accumulation, it can be withdrawn at any time.
In other words, as long as you have financial needs, you can withdraw the money in batches as you wish, which is not at all as restrictive as traditional insurance policies.
However, the withdrawal amount depends on the account value and investment performance. It is recommended to combine planning and regular review to avoid affecting the original protection.
5. You are not fighting alone. Someone will help you adjust.
What’s more important about investment-type insurance policies is that you are not fighting the market alone.
Depending on the investment portfolio you choose, our specialists will help you conduct regular reviews and adjustments to achieve the preset yield rate.
The asset allocation of investment targets is like wearing clothes, which changes throughout the year, spring, summer, autumn and winter. We are the ones who help you choose clothes.
Investment insurance policies ≠ high-risk products
As long as the target portfolio you choose is in line with your stable personality, it is a tool that can provide protection, accumulate assets, control risks, and flexibly respond to changes in life!
As long as the method is right, the combination is right, and the time is extended, it is actually a "least risk-averse" insurance method.
You still need to be aware of risks when investing. It is recommended to set a suitable holding period and target based on your personal attributes and goals.
Want to know which asset allocation is suitable for you?
Welcome to ask me for an investment risk attribute assessment, so that you can understand what your attribute is in advance. I will use the simplest way to help you understand, choose the right one, and hold it with confidence and develop steadily.
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