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看看分红险收益与银行理财哪个更划算?

楼主看看分红险收益与银行理财哪个更划算?
2014年03月12日 10:07   来源: 现代金报    
读者问:现在分红险的收益怎么样,跟银行理财产品的收益比较,哪个更划算?

  目前保险公司的分红预定利率在2.5%-6%之间,用户的保单红利取决于资本市场、资产规模、投资策略、责任赔付及成本开支等因素,所以每个购买分红产品的用户具体分红情况都不一样。

生命人寿297亿炒8只牛股
中银车险年亏5.4亿 鑫安董事长离任 网销理财型保险地域受限 让利成趋势 泰康推销保险乱吹牛 销售误导领罚单 香港保险业30年重大变革:建保监局 25省上调企业养老金 将实现十连涨 网购意外险:按照5大标准量体裁衣   与银行理财产品相比,分红险的责任设计由风险保障和保证收益基础构成,风险保障指提供各类保障功能,如疾病保障、身故保障等,这部分是理财产品无法取代的,也是其与理财产品的本质区别。分红险保险产品在提供保障功能的基础上,再享受额外分红收益,所以不能将分红保险产品与理财产品做单纯的收益对比。

  银行理财产品收益相对固定,收益区间变化不大,不过分红产品的分红幅度较大,与保险公司分红业务实际运营相关。如果保险公司的分红险业务盈余高,用户的额外收益便“水涨船高”;盈余低,用户的额外收益也低,最低为零。

  记者再三强调一下:保险的分红是不确定的!保险宣传中提到的只是演示分红,并非实际分红。其次,一般来说,分红计算的基数不是你交的保费,而是保单的现金价值。同样,如果投保人想要退保,能够拿回的钱也是当年对应的现金价值,而非所交的全部保费。保单的现金价值就是保费扣除一部分管理费用,这是一个逐年递增的资产。

  如果投保人投保后想反悔,千万要记得用好10天犹豫期,犹豫期内退保是全额返还的;如果过了犹豫期,那损失就无法弥补了。(本期顾问:太平人寿保险有限公司宁波分公司教育培训部负责人李开)

回答时间:2014-04-29 16:50

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回答时间:2014-05-06 20:21

2楼分红险更好吧,收益高,风险的话,现在来说,似乎都比较稳定啊。总体要比银行好些,感觉

回答时间:2014-05-07 11:55

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