From: Daily Economic News
Compiler: http://www.fundcn.org

Recently, the Shanghai insurance market caused a A strong “vote for the Lien Cyclones” Xinhua recently in major Chinese banks networks found that some insurers dividend-oriented insurance collections do basically disappeared, Instead, the more than 10 insurance companies in the vote for the Lien-products and new products as domestic fund to be issued great with the Fund formed “a fight for superiority” of the country.

Stock market hit products continued to vote for the Lien-seller

Since the beginning of this year the stock market hit promote sustained vote for the Lien-risk sellers. From the Shanghai Insurance Association data show that in May the Shanghai market sales for a total of 462 million yuan products company, for all types of life insurance accounted for more than 20%, and the first time sales performance omnipotent risk insurance to those dividends, vote for the Lien-insurance sales performance of the third consecutive month upward trend.

In order to meet the psychological investors this year, insurance companies do not hesitate to spend much energy to the development of various investment company products, According to this reporter’s knowledge, the Shanghai market has no fewer than 10 cast even a few products, Tritace Life and become more connected to the product development company, which a sales staff reporter, Tritace is Monopoly vote for the Lien-products company, not to sell other insurance products.

Insurance Company : insurance for long-term or even outperform funds

Many insurance companies even in publicity for the product, will be called Fund of Fund. A number of companies in product R & D staff to reporters said that the vote for the Lien Fund and similar products, in a buy, have a minimum starting point for sale, which is the so-called fund the purchase products, which have the lowest initial cost deduction the premium of about 1% -2%, it may be 1,000 yuan to 10,000 yuan, or for additional investment units, not caps, and the supplementary part of the deduction for another initial costs, the insurance company has set itself.

Vote for the Lien-products surrender in advance to surrender deducting costs, and fund early redemption of deducting the same, only part of the cost vary from the standard, even for the previous five years from the surrender of the premiums were reduced 10%, Five years later surrender the insurance company will no longer charge a fee. Taikang Life Cai Yong, told reporters that even if the purchase of investment products, the former five-year investment income client it is difficult to see, This vote is the largest fund company and one of the distinction. Luen Thai Metropolitan Investment WU Xiao-yong said that the vote for the Lien-products compared with the Fund’s advantage is the time for investment, Besides providing risk protection, and the long-term investment process, the fund outperform the possibilities.

Experts advise : buy not vote for the Lien-risk “Chasing Rising Stocks Shadie”

Encountered bearish surrender, the bull market insured encountered, it seems to be connected to the fate of risk.

Prior to the huge popularity of the vote for the Lien-risk stock market experienced a “5.30″ continuous slump of the stock market. there have been signs of stagnation.

“Experts warn investors and funds, stocks, even for long-term gains risk concern, therefore, should try to avoid too much emphasis on short-term gains and impulse insured or surrender. Once the stock market dropped timely adjustment account hedging, and not blindly choose surrender.

Copyright Fund China 2008.

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