"Hongfa Annual Annuity Fixed Investment" is a dividend-paying type (additional wealth housekeeper universal insurance). The main insurance bears interest on an annual basis, and the additional insurance is indeed compound interest. The minimum annual average guaranteed interest rate of "Hongfa Annual Annuity Fixed Investment" is 2.5%, and the monthly compound interest is subject to the company's income. The monthly interest rate is not fixed. If the company announces the monthly interest rate of related universal insurance, the current monthly yield is 4%, and the income is still quite high.
Suppose: the amount of the wealth management account is 20,000 yuan, and the lowest interest rate is 2.5%.
20000 * 2.5%/365 * actual purchase days (if there is no whole month, it is calculated by days and multiplied by the actual days).
Accumulate total income every month and compound interest next month.
Once the contract comes into effect, it will be returned to the wealth management manager at a fixed rate of 8% of the basic insurance amount, and will be returned to the wealth management account again at the end of one year after the contract comes into effect, and once a year after the contract ends.
The amount you receive or not is different, but you can also know how much you can receive at the age of 70 according to the plan. Let the agent make a plan according to your demand budget. Thank you!