Financial channel> Small financial trick> Long-term people idle money is not free, the end of the year award how to manage money?

Long-term people idle money is not free, the end of the year award how to manage money?

Edit: MINI Source: Securities Daily Date: 2018-02-12


No matter how much money you have in your hand, there is always one for you!

Spring Festival of the Year of the Dog has been getting closer and closer to the office workers, in addition to the holidays as scheduled, but also more pleased to have just reached the end of the year award, ranging from a few thousand dollars more than a few hundred thousand dollars. During the holiday season, how can I get these money to lie on the current deposit account? In this issue, we visited a number of banking departments to explore the current status of sales of various wealth management products. The first issue of a "Year-end Award wealth management" express train. No matter how much money you have in your hand, there is always one for you!


Insurance money management (no investment threshold)

  January maximum settlement rate of up to 7.5%

Short-term universal insurance into a "fragrant 饽 饽"

Seeking consumers will have a year-end awards, how to effectively manage money has become a challenge in front of them. This stage happens to be a good start for the insurance company (January or first quarter of calendar year). How do consumers with wealth management insurance need to configure the year-end bonus?

The head of a life insurance company, Bancai Grassroots, told Securities Daily that with the regulatory return guarantee, compared with other wealth management products such as bank finances, the overall liquidity of insurance products is reduced and the protection is enhanced. Compared with previous years, consumption In the banks, net sales channels to see short-term financial management will be reduced.

"Therefore, consumers need to figure out before buying insurance products, is more biased to earn revenue, or is more secure.If there is a risk of demand, you can configure critical illness insurance, regular life insurance and other more protected products ; If it is the financial needs, you can configure universal insurance, investment insurance and other products. "The official said.

 There are still short-term insurance in the sale

7 universal insurance rate of 7.5%

From the wealth management-based insurance point of view, the responsible person said that there are still insurance companies in the sale of 2-year, 3-year insurance products, investors can go to insurance companies, major banks outlets consulting. In addition, some insurance companies also aimed at the eve of the Spring Festival, consumers because of year-end awards such as more idle money because of the reason, fierce push property with wealth management universal insurance.

In fact, the Circular of the CIRC on the Matters Concerning the Regulation of Short-term Life Insurance Products made it clear that the policy that the insurance companies are expected to sell over 60% of the insurance policies lasts for more than one year (including one year). 3 Annual premium income of short and mid-life products (excluding 3 years) should be controlled within 90% of the overall limit in 2016, within 70% of the total limit in 2017 and should be controlled in 2018 and beyond Within 50% of the total limit.

In other words, although the supervision tightens the medium-short-term products with stronger financial wealth year by year, it does not mean to eliminate sales. The life insurance companies still have certain sales quotas. In addition, this reporter also learned that in January this year, the new high-speed bancassurance single premium growth rate is still based on the basic short-duration products; negative growth enterprises, especially those with serious negative growth, the basic Full transitional pay.

From the yield point of view, recently, the Securities Daily reporter statistics of 246 insurance companies 246 universal risk settlement rates found, of which 7 were 7.5%; 2 7%; 11 of 6% (Inclusive) and 7%: 69 models are between 5% and 6%. This also reflects that some of the insurance companies launched in January universal risk product yields remain attractive.

What attracts people's attention is that in contrast, the settlement rate of listed insurers still maintains a "steady" style, and the settlement rates of small and medium-sized insurance companies are higher. For example, the average settlement rate of 78 universal mortgages at the top 4 insurers in January was 4.9%, while the average of the 168 universal mortgages of the other 4 insurers reached 4.9%.

  "Fast return product" disappears

Pay the insurance need to pay attention to the return period

For consumers who have year-end bonus money demand, in addition to still having financial-type insurance on sale, one of the biggest changes that consumers face in buying insurance this year may be the long product return period.

In January every year in the good start, quick return annuity and high-yielding universal insurance portfolio, is to give insurance companies a large cash flow of mainstream products. On the one hand, it can rapidly increase the insurance premium scale, on the other hand, from the channel perspective, it is an important contribution point for the agent to complete the performance and complete the intermediate income target of the bank. Frequent broke out in recent years, "100 million yuan policy" are such products, "victory."

Northeast Securities Research reported that in the current life insurance market, annuity products, additional universal accounts is one of the mainstream sales of the life insurance market. On the one hand, the insured enjoys insurance coverage through the annuity product of the principal insurance; on the other hand, the annual deposit (which is usually a certain percentage of the basic sum insured) is automatically entered into an additional universal account through daily compounding and monthly settlement (market The prevailing universal product historical settlement rate of about 4.5%, some small and medium-sized insurance companies universal settlement rate as high as 6% or even higher) ways to enhance return on investment, to attract customers' attention.

Therefore, with respect to such policies, the end-of-period policy cash value consists of two parts: the cash value of the principal annuity and the policy account of the additional universal account, which is also a strong selling point of the insurance plan: "Fast High Bonus + Compounding Second growing up".

However, according to the new rules, Liangquan, annuity and first-life deposit payment should be made after the policy has been valid for 5 years and the annual payment or collection ratio should not exceed 20% of the premium paid. This is further after [2016] No. 76 Restrictions on fast return products.

  Year-end bonus to buy insurance

Beware of two risks

At the beginning of each year, at the beginning of the year when consumers get the year-end bonus, this is also the "good start" period for insurance companies. Insurance Regulatory Commission recently said that during the good start on the market available to choose more and more insurance products, consumers buy "good start" insurance products, beware of the following two major risks.

First, beware of "speculation" marketing. CIRC said that for the red performance, and some insurance sales staff to use the concept of activity speculation, "about to stop selling," "limited time", "product discounts" and other concepts to consumers selling products, the use of consumer information asymmetry, opaque The case of blind obedience, to induce their impulse to buy "good start" products.

China Insurance Regulatory Commission in the "life insurance company insurance terms and insurance rates management approach" provides: insurance companies in some areas decided to stop using the insurance terms and insurance rates, not to stop using the terms and insurance rates for publicity and sales misleading. CIRC said that consumers rational consumption, not blindly follow the trend, according to their actual needs to buy insurance, to achieve effective protection.

Second, beware of exaggerated propaganda. China Insurance Regulatory Commission (CIRC) mentioned that in order to get the company a big reward, some sales staff use the product sales policy during the event to exaggerate the publicity, in violation of the principle of maximum integrity of insurance. For example, when introducing new types of life insurance products such as dividend-paying, investment-linked and omnipotent types, there is behavior of exaggerating propaganda or false propaganda by disclosing at a higher historical rate of return and promised to guarantee returns, thereby misleading consumers to insure.

CIRC also reminds consumers that consumers should know about the following new types of personal insurance products such as dividend-based, investment-linked and omnipotent type insurance: the future bonus distribution level of dividend insurance is uncertain; the future return on investment linked insurance is uncertain , And may even lose money. The return on investment above the universal minimum guaranteed interest rate is uncertain. Investment-linked insurance and omnipotent insurance may charge for initial costs, insurance for death risks, policy management fees, handling fees, surrender fees, etc. Specifically, The contract shall prevail.


Bank financing (investment threshold 50000 yuan)

  Bank financial sales hot

From the date of holiday to suppress investors enthusiasm

Near Spring Festival, sales of wealth management products are very hot. When interviewed by a number of bank outlets located in Beijing, the reporter found that short-term wealth management products from a number of banks have been sold out. At present, only the financial products with a deadline of more than six months are on sale. Even now that the day of the purchase of wealth management products has been extended to the Spring Festival, the enthusiasm of investors in buying high-yielding wealth management products is still high.

A Construction Bank's financial manager told reporters that before the Spring Festival selling bank financial products has become commonplace. The reason is that as the Spring Festival approached, the returns on bank financing tended to be higher. Second, because many investors got the year-end bonus, they also had sufficient funds to buy wealth management products.

Recently, the reporter visited several bank outlets in Haidian District, Beijing as investors and investigated the sales of bank wealth management products. The survey found that near the Spring Festival, the bank's newly launched wealth management products have relatively high returns and the expected annualized yield of non-guaranteed financial products with maturities of six months and over can reach 5%.

After the reporter indicated the intention of buying wealth management products, the financial managers of many banks firstly asked the reporters about the investment amount and the investment term of the wealth management products they want to buy. According to the comparatively determined investment amount and the investment term, the specific ones such as capital preservation and non-capital preservation Category one by one to introduce to reporters, looking for the personal preferences of the press with the most appropriate bank financial products.

It is noteworthy that when interviewed by banks such as Bank of China and China Construction Bank, reporters found that short-term bank wealth management products have been sold out. At present, only investment products with financial terms of more than six months are still available. The financial manager strongly recommended to reporters bank financial products, investment deadlines are almost two years. It is noteworthy that, according to the provisions of the Banking Regulatory Bureau in 2011, bank financial products have 50,000 yuan investment threshold.

"Recommended to you long-term financial products mainly for two reasons: First, the current yield of the product is quite substantial, after the holiday launch of new products no longer have such a high rate of return; the second is because the actual purchase of bank financial management and the interest rate There is a period of time between the days, so many times to buy short-term financial far better than one-time purchase of long-term financial banking cost-effective. "Bank of Communications, a financial manager told reporters.

A financial manager of Minsheng Banking Co., Ltd. explained to reporters that due to the huge customer base of state-owned banks and their relatively strong ability of "digesting" wealth management products, their wealth management products tend to sell relatively quickly but their products' benefits The rate will be lower. "As far as I understand it, banks with the highest financial ROI at present should be Suzhou banks, and their banks are relatively small in scale. Therefore, they will consider relatively high yield in their product designs to attract new customers."

In response, the reporter consulted with several insiders working in the bank. They also said that in general, the expected yield of bank financial products of small banks will also be relatively high, but they also face the risk of being higher than the figure, and often the rate of return of the final product will not reach the expected rate of return ; And for the large state-owned banks, the actual rate of return to the expected rate of return after the maturity of their wealth management products has almost always been the basic guarantee.


Fund is scheduled to vote (investment threshold 10 yuan)

  Financial manager unanimously recommended fund will vote

Fear of market fluctuations to smooth the risk

Reporter visited last week, most impressed than the financial manager of the fund will vote for the recommendation. When reporters mentioned the intention to buy funds, almost all financial managers are unanimously recommended to reporters that "fund fixed investment" approach to the purchase of funds.

Even for the current market, financial managers still think it is a good time to admit. Construction Bank, a financial manager told reporters: "The fund's callback makes the current purchase of funds cheaper, even if the net fund fell again, we choose to open positions will be able to smooth the purchase of funds again the cost of the A-share market recently The round of adjustment is actually a good thing for long-term investment funds. "

For investors, the subscription of funds required for the bank's investment in the bank, redemption costs are often much higher than the third-party platform, according to the reporter, at present some banks will be the custody fund for a certain period of time subscription fee Rate of 50% discount, but a number of third-party platform for a long time will be the vast majority of fund subscription, redemption rates for a discount.

In this regard, Zheshang Bank, a financial manager told reporters: "The third-party platform, the fund purchase rate is indeed relatively low, but in the bank to buy funds, financial managers will help investors better manage the funds in the market volatility is relatively large Make effective adjustments ". As for the fund fixed vote, the financial manager also frankly, for investors to understand the fund market and has been concerned about the fund market, the third-party platform is also a good choice, because the fund is scheduled to vote relatively small operability.

In the course of his visit last week, the reporter noticed that almost all wealth managers told reporters that if they choose to invest in fixed-income funds, they actually need not consider too much about the timing of the admission. As long as the time interval for setting up the funds is set Reasonable, market volatility will actually help investors to smooth their own risks, for investors, the investment deadline in order to get more stable, more substantial gains.

As for the timing of the fund's scheduled investment, the reporter also conducted consultations with a number of wealth management managers as investors. According to the recommendation of more than a dozen of the bank's wealth management managers, it recommended to reporters that "biweekly" be the fund to be voted the most, and other wealth management Managers are also more recommended to reporters, "once a week", "once a month" as the frequency of the Fund is scheduled to vote.


Investment Fund (no investment threshold)

  Financial manager recommended cautious

Value-based investment funds more reliable

Earlier this year, the manager of financial management boldly recommended that the opposite phenomenon. Recently, reporters visited banks as an investor. They found that financial managers are very cautious in recommending funds and have said they still have to wait for opportunities in the current market.

Bank of China, a financial manager told reporters: "The recent A-share market crash is largely affected by the plunge in the United States, investors are also relatively low sentiment.Industry analysts are more uniform caliber, A-share market The fundamentals are no problem, in the long run this round of A-share crash has given us the opportunity to buy at a low price. "

When asked by reporters about whether it is an opportune time for admission, the financial managers of several banks made it clear to reporters that the market situation is still not clear in the short term. At present, an appropriate amount of short-selling positions can be made. However, there is still a possibility that the broader market may be further lowered.

In the exchange with a number of financial managers, the reporter found that in the long term they are still optimistic about those who do value-investing partial stock funds, while those who follow the market-style partial stock funds said they are not optimistic nor recommended. In the choice of fund, a financial manager of Minsheng told reporters: "At present, the overall valuation of the big consumer industry is already at a reasonable level. The consumer theme fund has some profitability in the market, but also has a high Risk.More recommend that those who are scattered in the stock selection, the quality of the various sectors of the stock are configured partial stock funds.

A financial manager of China Merchants Bank is more directly recommended to the reporter Monetary Fund, she told reporters that at this time the market environment for fund investment, the IMF is almost the best choice. "I personally have more money to buy the fund, perennial deal with financial products, but also found that some investors over-the pursuit of higher income.In fact, the ultimate goal of buying financial products is financial management, blindly pursue high-yield gains would outweigh the gains. "she says.

During the visit, the reporters found that almost all financial managers of major banks recommended to reporters the IMF. Apart from the relatively low risk of buying currency funds, wealth managers also gave their reasons: good liquidity and safety High, investors can redeem the fund according to the need at any time; The investment cost is low, the money market fund does not charge the purchase, the redemption expense, its management expense is also low; Purchases the opportune moment, approaching the Spring Festival holiday, bought before the Spring Festival Monetary Fund, you can enjoy the normal earnings during the holidays.

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