-Peng Kun Insurance Company.
Recently, the news that the risk of giving birth to a child's pension every day will be weakened at the end of August has spread wildly on major insurance media platforms. Many people ask Peng Ge if this is true or not, and whether he will buy it suddenly. Upon verification, Pongo confirmed that participating in children's endowment insurance every day in August is a block transaction function, and it can still be traded in 3 years, 5 years and 10 years.
That is to say, after August, you can't just choose the insurance premium for sexual intercourse once, and the payment for 3 years, 5 years and 10 years will not be affected, so you can apply for insurance and you don't need to buy it suddenly.
Daily children's endowment insurance is an old product, which was introduced in Pongo last year.
As an educational endowment insurance that all children want to buy, it is really difficult to find an endowment insurance with equivalent yield from the market.
So, after more than a year, I would like to take this opportunity to introduce it to you. At least for now, the students who bought the endowment insurance recommended by Peng Ge seem to be making money.
And in the future, at least for a long time, interest rates will definitely fall, so it is necessary to buy high-yield pension insurance.
The main contents of the text:
Why is it worth buying basic materials every day? How to buy the yield is 4%? I. Basic information age of daily insurance: birth ~ 16 years old, guarantee period: 30 years old, payment period: large payment /3/5/ 10 year (large payment in late August), and annual payment/monthly payment.
Daily education endowment insurance is divided into three versions.
Plan 1: university education grant; Plan II: Continuing Education Grant Plan III: University Continuing Education Grant.
Each plan corresponds to a different collection time and amount.
The corresponding IRR yields are also different.
Some people find it strange to see that providers who are improving every day trust each other. From the name, it looks like a foreign insurance company. In fact, it is a purely domestic company, but it is not the same as the insurance company that everyone is familiar with.
Brother Peng wrote an article about mutual insurance companies before. Interested Lao Tie may wish to review-"Everything you want to know about mutual insurance is here (1)" and "Everything you want to know about mutual insurance is here (2)".
Second, why is it worth buying every day? The reason why so many people care about the daily education allowance is that IRR has a high rate of return, and there is almost no comparable old-age insurance in the market.
In order to control the risks of insurance companies, on August 30th, 2009, the Insurance Regulatory Commission of Bank of China issued the Notice on Perfecting the Formation Mechanism and Adjusting the Assessment Interest Rate of Liability Reserve in Personal Insurance Industry. It is stipulated that the upper limit of the assessment interest rate of the liability reserve shall be adjusted to 4.025% annual compound interest for ordinary pensions issued after August 5, 20 13 or ordinary long-term pensions above13, and the reserve interest rate shall be adjusted to 3.5% annual compound interest.
Since then, the endowment insurance with a predetermined interest rate of 4.025% has no longer passed the filing.
The old-age insurance with the original interest rate of 4.025% in the market was basically removed at the end of 20 19.
Daily education grant is one of the few stable products so far. If you look closely, you will find that the filing time of the product in the regulatory agency is still 20 17, which is an important prerequisite for improving the IRR yield.
To say why, it is because the IRR yield of pension insurance products declared after 2065438+September 2009 did not exceed 3.5%.
Internal rate of return of university education grant scheme
IRR education grant scheme rate of return
IRR rate of return of university continuing education grant projects From the IRR rate of return of these three projects, we can see several laws:
Under the same premium, the shorter the payment time, the higher the IRR yield; The younger the insured, the higher the internal rate of return.
This is an important reason why education funds are worth buying every day.
In addition, there are some reasons worthy of our choice for the daily education subsidy.
1. High cash value is a major feature of children's pension insurance-very high cash value.
Moreover, not from five years later or n years later, but from the very beginning.
Of course, the premise is mass communication.
So the large-scale off-shelf transaction in August affected our insurance.
This premise is not easy to achieve. Pay 50 thousand to enter the screen, pay 654.38+ 10 thousand to enter the screen.
If you get rich later, you can also take out insurance.
One-year-olds may be a little hard to understand. Take a one-year-old boy who spent a large sum of 65,438+10,000 yuan to buy the education guarantee as an example, and look at the cash value of the policy.
As can be seen from the above table, the cash value of the policy in the first year of insurance will be slightly lower than the premium.
Starting from the second year, the cash value of the insurance policy is greater than the insurance premium.
And the average annual compound interest growth is about 4.025%.
It is difficult to find an endowment insurance with such a high cash value from the first year of enrollment in the market.
Usually in the first few years of insurance, the cash value is much lower than the accumulated insurance premium.
After a few years, the value of cash began to gradually exceed the accumulated insurance premium.
The advantage of high value now is that if the insured regrets to surrender, he can recover more money, not only the principal will not be lost, but also some interest will be added.
If you choose a policy loan, the amount you can borrow will also increase.
2. The daily upward trend can be converted into old-age pension, which is educational old-age insurance. At the latest, the insured should withdraw completely when he is 30 years old.
But we finally bought such a high-yield pension insurance. What if we don't want to quit so soon? At this point, replacing the pension function will help. Education pension can be converted into pension. In this case, there is no need to worry that the insured will retire after the age of 30.
Children's pension insurance can be converted into pension every day. This is a clause written in the insurance contract.
If you change to pension during the holding period, it will not be affected by the expiration of 30 years old.
Third, how to buy the yield is 4%? As mentioned above, Tiansheng's IRR yield is close to or over 4%, but you can't buy as much as you want. Here Peng Ge introduces the purchase method.
However, it really needs to be completed before the end of August. Because it needs to be delivered in bulk.
The first step is to buy old-age insurance for children every day. Three plans can be any plan.
Wait in step 2.
In the fifth policy year, IRR yield will reach 3.99%.
If you want to be higher, by the sixth policy year, the IRR yield can reach 4%.
After six policy years, the internal rate of return will be close to 4.025%.
However, please understand carefully that this is only close. No matter how many years you wait, the IRR yield will not exceed 4.025%.
The third step starts from the fifth policy year, and you can reduce your insurance at any time when you need money.
The insurance company will return the cash value of the policy to the insured according to the insurance premium. It's like taking money from pension insurance.
Always enjoy 4% compound interest in the middle.
The fourth step, if necessary, can also increase the insurance premium, so that the money on hand is close to 4.025% compound interest.
Children's daily endowment insurance has two advantages, which allow us to operate carefree.
During the insurance period, in case the insured dies, the death insurance premium is equal to the cash value of the policy, and there is no loss in income. Whenever the insured is short of money, the insurance premium can be reduced or refunded in full at any time. The cash value of the policy is also refunded, and the income is not affected.
If it is judged that the rate of return in step 5(4) is good and you want to hold it for a long time, you can convert the minority pension insurance into the old-age pension insurance.
According to the different operation steps, the values are also different. Let me sum it up.
The first and second steps are to make our policy enjoy more than 4% compound interest; The third step is to withdraw money when the money is not enough; The fourth step is to save more money and enjoy 4% compound interest income; The fifth step is to make the 4% compound interest income last for more years.
So only the first step and the second step are needed here, and the order can be dynamically adjusted according to your actual needs.
Peng Kun has 10 years experience in insurance and investment, and knows about insurance and investment!
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