Recently, the "baby" income has been sluggish, and some insurance companies have launched Internet insurance wealth management products to take advantage of the opportunity, and the expected rate of return is rising, some reaching 7%. In the WeChat circle of friends, a one-year insurance wealth management product named “Huisheng” is expected to have an annualized rate of return of 8.5%, which has attracted the attention of many people. Most people may not know much about what is an insurance wealth management product, but they must be heard when they are certain, such as dividend insurance and investment insurance. The following small series will explain the advantages and disadvantages of insurance wealth management products for everyone. What are the insurance wealth management products? Insurance wealth management products, also known as investment insurance. It was first born in the Netherlands, and the life insurance policy that the insured wants to pay can also be invested to generate income. In other words, the insurance company will take part of the insurance money to make an investment, and will give the insured a certain bonus every year, and then return the insurance premium after the insurance period expires. Investment insurance has three categories: dividend insurance, universal life insurance, and investment linkage insurance. The investment direction is different. Among them: Dividend insurance: The investment is relatively conservative, the risk is low, and the income is relatively low. Universal Life Insurance: The main investment in treasury bonds, corporate bonds, large-scale bank deposits, securities investment funds, etc., with guaranteed bottom income, flexible access, and stable income. Investment-linked insurance: The investment is relatively radical, there is no guaranteed income, the risk is high, and of course the income may be large. What are the advantages of insurance wealth management products? The advantage of insurance wealth management products lies in the product design itself, while having the insurance function, it can also invest in wealth management and create income. In addition, compared with the well-known bank wealth management products, it also has the characteristics of low investment threshold and no recruitment period. The general financial insurance 1000 can be purchased and will take effect the next day. What are the shortcomings of insurance wealth management products? Compared with advantages, the shortcomings of insurance-type wealth management products are more prominent, and these shortcomings directly affect the vital interests of investors: First, the product investment period is long and single, and the liquidity is poor. The term of insurance wealth management products is very long. In the short one or two years, the long five years and ten years, investment income is difficult to see in the short term, and the ability to realize liquidity is weak, which is difficult to meet the needs of investors who need flexible use of funds. Second, the amount is limited and there is a suspicion of "small head". The scale of general insurance wealth management products is limited, even lower than the scale of a single wealth management product of a city commercial bank. For example, Baidu’s “100-day earned 180 days” was sold out in just five or six minutes, and there were not many investors who could successfully subscribe. Third, the information disclosure of insurance wealth management products is poorly transparent. For example, the above-mentioned life circle rumored that the life-selling “win-win” product is simply a disclosure of the investment direction, and there is no ratio limit for each variety. Moreover, the product's previous annualized settlement rate is only 4.8%. I don't know where the high return of 8.5% comes from? It is definitely equipped with high-risk assets, and it is not known whether the expected return can be obtained. Xiao Bian Comments: Insurance wealth management products in the sales process often deliberately emphasize the benefits, not to talk about the risks behind. Therefore, when investors purchase financial insurance online, they must read the relevant instructions carefully to understand the insurance types and capital investment, and do not regard the expected rate of return as “guaranteed rate of return” to avoid being deceived.