In recent years, I have often received a question from netizens: "Which investment is the least risky and the most stable return?" "In fact, whether it is the financial sector or other industries, everyone understands that there is no absolutely risk-free investment and business. In recent years, the economic situation has not been optimistic, residents' willingness to save has increased, and everyone hopes to increase personal wealth through saving. According to the "Financial Statistics Report for the First Half of 2023" released by the People's Bank of China, RMB deposits increased by 20.1 trillion yuan in the first half of the year, an increase of 1.3 trillion yuan year-on-year, of which household deposits increased by 11.91 trillion yuan. However, can saving really make money? Perhaps unbeknownst to many, demand deposit rates in most banks have now fallen to 0.25%. Many people are afraid to choose time deposits because they are afraid to choose time deposits, so the spare money on hand may not outperform inflation. So, is there still a way to "make money money", or is there an investment that is "stable and not lost"?
Actually, I think there is. It's about whether you want to enjoy it immediately or value the quality of life in the future. Are you willing to put your money where you can add value? It is worth mentioning that we are currently in the last wave of "let money make more money" opportunity. Why do you say that? Because not long ago, the assessment interest rate of liability reserve for life insurance products was reduced, and the interest rate ceiling of conventional life insurance products such as whole life insurance and both full insurance products will be lowered from 3.5% to 3% in the future. Therefore, many insurance companies on Alipay are seizing the last opportunity to launch 3.5% high-interest life insurance products, which is the last window for those who plan their future lives and seize the opportunity of high interest rates.
Taking the "Stable Profit Increase Whole Life Insurance" recommended by Ant Insurance on Alipay as an example, at an interest rate of 3.5%, a 30-year-old white-collar worker only needs to pay 2,000 yuan per month, and pay for 10 consecutive years, and when it is close to 80, the minimum preservation value will reach millions of yuan. However, if you wait until the interest rate drops to 3% before insuring, the yield will be reduced by 20%! The point is that the likelihood of low or even negative interest rates in the future is very high, and it will become more difficult to still rely on "savings" to earn interest. It should be noted that the principal income of "Stable Profit Plus Whole Life Insurance" is written into the contract at a predetermined interest rate of 3.5%. It also allows partial flexible extraction for education, weddings, pensions, etc. This means that if money is needed urgently, it can also be used, which has certain advantages over long-term fixed deposits in banks. In addition, during the insurance period, if the insured dies or becomes disabled, at least 100% of the premiums paid are also guaranteed, at least the principal is guaranteed, to ensure "no loss".