Your question has a new answer: Q: What are the risks of Anbang's winning the bid for No.2 investment-type family property insurance ICBC bank wealth management products? Did many people buy it? The risk is This product is a bank insurance product developed by Anbang Property Insurance Co., Ltd., which has the functions of family property risk protection and savings. It has 1 ~ 10 and 10 to choose from. There are two risks:

1, loss of principal due to early surrender. For example, I bought the product of 1 with a term of 10 years, and I want to withdraw it in advance before it expires, which not only leads to no income, but also can't return the principal in full. The specific amount can be inquired at the bank counter. Every year's products have a corresponding surrender amount table, giving specific figures, with the maximum not exceeding 20% of the principal. Of course, it is necessary to plan well before insurance, choose the appropriate amount and duration, and avoid early surrender, so that the principal will not suffer any losses. Moreover, even if some customers have been insured, there will still be a 10-day "hesitation period" from the next day of insurance, during which the principal will not suffer any loss.

2. The benefits brought by the central bank's interest rate cut reduce risks. The income of this product is linked to the deposit and withdrawal interest rate of residents in the same period (hereinafter referred to as "fixed deposit interest rate"), and the interest is calculated on a daily basis. If interest rates are raised in the future, the income will increase; In case of interest rate reduction, the income will be reduced, but it is always 0.5% ~ 0.8% higher than the bank deposit interest rate in the same period.

Exodus (for example) If I bought this product on June 20th 11,it will expire two years later (the expiration date is 2013,31) and the principal is1ten thousand yuan. The interest rate of time deposit at the time of purchase is 4. 15%, and the interest rate of time deposit after the central bank raises interest rates 36 days after purchasing the product is 4.4%. Suppose the interest rate is lowered to 3.9% on August 20, 200211day, then the amount I get back at maturity. 9 16.7 1 yuan (65438+ ten thousand yuan+12,916.75438+0 yuan), in which:

2011June1~ 201July 6th, the income = 65,438+ten thousand yuan × (4.15%+0.5) ÷ 30.

From July 7, 20 1 1 year to August 9, 20 12, the income = 65438+ ten thousand yuan ×(4.4%+0.5)÷365 days× 400 days = 5369.86 yuan.

201August10 ~ 2013May 3 1 daily income = 65,438+10,000 yuan ×(3.9%+0.5)÷365 days× 294 days = 3,5438.100000000005

In fact, as long as the central bank cuts interest rates by no more than 0.5% ~ 0.8% before the product expires, the income of the product can be higher than that of bank deposits.