<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790313&idx=2&sn=55e0cf403a3327c58f7dfcc77ea888c8&chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczuUkuoZYAPW5W2zicPNPBanEa17I8kbjnJyicSlibZj16cvEY32yHEK7CDLSTLuWfeow4Nw7xKUWoolQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuUkuoZYAPW5W2zicPNPBanEa17I8kbjnJyicSlibZj16cvEY32yHEK7CDLSTLuWfeow4Nw7xKUWoolQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span></section><p ><span ><br /></span></p><p ><span >今年来，无论股市、基金、币圈一直在动荡，很多圈内人连夜跑路，生怕走晚了。</span></p><p ><strong ><span ><br /></span></strong></p><p ><strong ><span >风险与收益呈正比</span></strong><span >，相信没人不知道吧？</span></p><p ><span ><br /></span></p><p ><span >那为啥总有人被收割？答案都明白，利欲熏心，想赌。</span></p><p ><span ><br /></span></p><p ><span >除此之外，还有个客观原因是，</span><strong >多数</strong><strong >国人理财知识相当匮乏</strong><span >。</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)">大部分“韭菜”都是跟风盲从，以为自己赶上了风口，最后才发现是上了黑车。</span></p><p ><br /></p><p ><span >鸡蛋不能放一个篮子里，合理的理财方式至少是：多数钱要<strong>保本增值</strong>+少数钱可以<strong>冒风险求收益</strong>。</span><br /></p><p ><span ><br /></span></p><p ><span >但大部分家庭，除了存银行还真没办法做保本理财，因为不懂。</span></p><p ><span ><br /></span></p><p ><span >考虑很多朋友对这块需求还是挺大的，</span><span >今天就给大家讲一个另类保本理财手段：</span><strong >理财险。</strong></p><p ><br /></p><p ><span style="color: rgb(136, 136, 136)">（本文只讲产品逻辑和挑选思路，不做产品推荐）</span></p><p ><span ><br /></span></p><section ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong>一、理财险</strong></span></section></section></section></section></section></section><section ><br /></section><section ><span >理财险有很多种，</span></section><section ><span ><br /></span></section><section ><strong><span >不能保本理财</span></strong><span >的产品就不分析了</span><span style="color: rgb(136, 136, 136)">（如分红险、投连险等）</span><span >，一般人玩不来。<br /></span></section><section ><span ><br /></span></section><section ><span >我们主要说2种比较稳的保本增值产品：<strong>年金险</strong>、<strong>增额寿险。</strong></span></section><section ><span ><br /></span></section><section ><span ><br /></span></section><section ><span ><strong style="color: rgb(33, 89, 103)">1、年金险</strong></span></section><section ><span ><br /></span></section><section ><span >年金险是个大类，一般分为定期年金</span><span style="color: rgb(136, 136, 136)">（快返型年金、教育金等）</span><span >、终身年金</span><span style="color: rgb(136, 136, 136)">（养老金等）</span><span >。</span></section><section ><span ><br /></span></section><ul ><li><p ><strong><span >定期年金：</span></strong></p></li></ul><p ><br /></p><section ><span >字面意思，只保障一段时间</span><span style="color: rgb(136, 136, 136)">（如10/20年）</span><span >，有点类似银行定期存款，用作短期理财。</span></section><section ><span ><br /></span></section><section ><span >一般在第5年开始领钱，保障期结束通常还有满期金。</span></section><section ><br /></section><section ><strong><span style="color: rgb(136, 136, 136)">教育金</span></strong><span style="color: rgb(136, 136, 136)">有点区别，一般只能给孩子买，然后约定一个期限领钱（如<span >孩子成年18岁），其他和普通定期年金差不多。</span></span></section><section ><span ><br /></span></section><section ><span >部分定期年金产品还会捆绑一个<strong>万能账户</strong>。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">该账户能产生额外收益，不固定，但有保底收益，如1.75%、3%等，</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczuUkuoZYAPW5W2zicPNPBanEoEvThtOYQthe7MnzicZr9u2uyDiaOZ4oUJUlYahAPxevFwHYWQ08H5mg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuUkuoZYAPW5W2zicPNPBanEoEvThtOYQthe7MnzicZr9u2uyDiaOZ4oUJUlYahAPxevFwHYWQ08H5mg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">很多人买年金险就栽在这里，代理人介绍收益时，大多只会说<strong>最高收益</strong>（如6%/7%），不会说<strong>保底收益</strong>，遇到要留个心。</span></section><section ><span ><br /></span></section><ul ><li><p ><span ><strong>终身年金：</strong></span></p></li></ul><section ><span ><br /></span></section><section ><span >即能保一辈子的年金险，典型产品就是<strong>商业养老金。</strong></span></section><section ><span ><br /></span></section><section ><span >类似社保中的<strong>养老保险</strong>，交多少钱，交多久，什么时候开始领，领取多少钱，都会提前约定好。</span></section><section ><br /></section><section ><span >举个例子：</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">老王40岁时买了一份养老金，约定好每年交1万，交10年，60岁开始领，每年领取4000块，<strong>一直能领到去世</strong>。<br /></span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">但在40-60岁间不能提前领钱，即便60岁后，只能每年固定领4000，多领少领都不行。</span><strong ></strong></section><section ><br /></section><section ><span >所以投保养老金只能是为了养老，要做好几十年内都不会动用这笔钱的心理准备，没养老需求就别买养老金。</span></section><section ><br /></section><section ><br /></section><section ><span ><strong style="color: rgb(33, 89, 103)">2、增额寿险</strong></span></section><section ><br /></section><section ><span >简单说明下：<strong ></strong></span></section><section ><br /></section><section ><span >投保增额寿险可以理解为在保险公司开一个银行账户，保单的<strong>现金价值</strong>就是账户里的钱，<span >每年能</span><strong >复利增长</strong>，</span></section><section ><span ><br /></span></section><section ><span >我们可以通过<span ><strong>加保</strong></span><span style="color: rgb(136, 136, 136)">（存钱）</span><span >或<strong>减保</strong></span><span style="color: rgb(136, 136, 136)">（取钱）</span><span >来使用这个账户。</span></span><br /></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)"><strong>只要现金价值不低于保险公司规定的最低标准</strong>（一般来说就一两千块钱），就可以随时减保。</span></section><section ><br /></section><section ><span ><strong>收益固定且安全</strong>。</span></section><section ><br /></section><section ><span >它把<strong>复利增长写进了合同条款</strong></span><span style="color: rgb(136, 136, 136)">（没有保底收益那种套路）</span><span >。</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsXdEyic4fX1QtDRaMjyiaYwqnqxoCktRSwAuSBdTwuS8otqNLbFRia8POpskIGY1ysQ023ibZ64vUwJw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsXdEyic4fX1QtDRaMjyiaYwqnqxoCktRSwAuSBdTwuS8otqNLbFRia8POpskIGY1ysQ023ibZ64vUwJw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">某款增额寿险的保险条款</span></section><p ><br /></p><section ><span >加上没啥限制的减保，使得增额寿险会比年金险灵活些。</span></section><section ><br /><span >但不管是年金险和增额寿险，它们的<strong>收益都有保障，白纸黑字写在合同</strong>，且都是在保本的前提下进行增值。</span></section><section ><br /></section><section ><span >当然，这类产品因为安全有保障，所以收益是比不上股票、基金等理财产品。</span></section><section ><br /></section><section ><span style="color: rgb(255, 169, 0)">如果冲着短期赚一笔大钱，就别买这类理财险，绝对绝对达不到你的预期。</span></section><section ><br /></section><section ><span >那增额寿险和年金险还有啥区别，哪种更好呢？ </span></section><section ><span ><br /></span></section><section ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong>二、年金险和增额寿险的区别</strong></span></section></section></section></section></section></section><section ><br /></section><section ><span >最大的区别有<strong>3点</strong>：<br /></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">1、回本时间</span></section><section ><br /></section><section ><span >年金险：</span><strong><span >回本时间</span></strong><span style="color: rgb(136, 136, 136)">（现金价值追上投入保费的节点）</span><strong><span >比较慢</span></strong><span >。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">特别是养老金的现金价值增值特别慢，而定期年金因为保障时间短，相对来说回本会快一些。</span></section><section ><br /></section><section ><span >增额寿险：<strong>回本时间相对年金险来说会更快些。</strong></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">有些产品缴费期还没结束或刚结束，就已经回本了。</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">2、领取方式</span></section><section ><br /></section><section ><span >年金险：<strong>固定时间，领取固定金额</strong>。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">不管你需不需要，也不管你够不够用，按既定规则来。<br /></span></section><section ><br /></section><section ><span >增额寿险：领钱是通过<strong>减保</strong>的方式将保单的现金价值进行相应减少。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">至于什么时候减保，减多少钱，都没有什么限制，一般是100元的整数倍即可。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">如果你不想把钱拿出来，完全可以放在账户里继续复利增值，跟放余额宝类似。</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">3、归属权</span></section><section ><span style="color: rgb(33, 89, 103)"><strong ><span ><br /></span></strong></span></section><p ><span >年金险：投保后，<strong>投保人能够自由的退保、申请保单贷款</strong>，而<strong>被保人仅能领取生存金</strong></span><span style="color: rgb(136, 136, 136)">（投保人和被保人非同一人）</span><span >。</span></p><p ><br /></p><p ><span >增额寿险：<strong>投保人能操作加保、减保、退保、申请保单贷款</strong>等，而被保人身故后的身故金属于保单受益人。</span></p><p ><br /></p><p ><span >简单来说投保人对于增额寿险有着<strong>绝对的掌控权</strong>，就算被保人不是自己，投保人也能自由的掌控这笔钱。</span></p><section ><br /></section><section ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong>三、哪些人适合买理财险</strong></span></section></section></section></section></section></section><section ><span ><br /></span></section><section ><span >回归最本质的问题，你买理财险的目的是什么？</span></section><section ><span ><br /></span></section><section ><span >或者说想达成什么样的效果</span><span style="color: rgb(136, 136, 136)">（养老/短期理财/长期理财）</span><span >？</span></section><section ><span ><br /></span></section><section ><span >之前说了，</span></section><section ><span ><strong ><span ><br /></span></strong></span></section><section ><span ><strong ><span >如果冲着短期赚一笔大钱，就别买这类理财险，绝对绝对达不到你的期望。</span></strong></span></section><section ><span ><br /></span></section><section ><span >但要是<strong>手上有一笔闲钱，<span >想要短期内能用这些闲钱赚点利息</span></strong><span >，又没有稳妥的投资渠道。</span></span></section><section ><br /></section><section ><span >这种情况，直接投保主流</span><span style="color: rgb(255, 0, 0)"><strong>定期年金</strong></span><span >，选择保障10年-20年都可以。</span></section><section ><br /></section><section ><span >第5年就可以拿钱，到期后再一次性拿一笔钱，绝对比存银行好。</span></section><section ><span ><br /></span></section><section ><br /></section><section ><span >如果<strong>特别看重孩子的教育</strong>，可投保定期年金中的</span><span style="color: rgb(255, 0, 0)"><strong>教育金</strong></span><span >。<br /></span></section><section ><br /></section><section ><span >为孩子存一笔钱，等孩子到了上大学的年龄，每年领一笔钱用来当做孩子的学费，生活费，</span></section><section ><br /></section><section ><span >到期后还能拿到一大笔钱可以留学或者继续考研深造。</span></section><section ><br /></section><section ><br /></section><section ><span >如果是<strong>担心自己老年没钱养老的</strong>，直接选能保终身、活到老领到老的</span><span style="color: rgb(255, 0, 0)"><strong>养老金</strong></span><span >。</span></section><section ><br /></section><section ><span >举个例子：<br /></span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">老方，30来岁自己做个小生意，一年挣10多万，没有职工社保，担心自己未来的养老生活。</span></section><section ><br /></section><section ><span >这种就适合买养老型年金险，每年交一笔钱，约定好到60岁开始每年拿一笔钱。</span></section><section ><br /></section><section ><span >不但帮助了他强制进行储蓄，而且也解决了他的养老顾虑，只要活得够久，最后收益会比增额寿险还高。</span></section><section ><br /></section><section ><br /></section><section ><span >对于<strong>手头有一笔闲钱，没想好用途，只想在保本增值基础上，做中长期理财</strong>，可以选</span><span style="color: rgb(255, 0, 0)"><strong>增额寿险</strong></span><span >。<br /></span></section><section ><br /></section><section ><span >给孩子买行，给自己买也行，有更多的<strong>选择权</strong>。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">例如做了妈妈，婚后没有工作，在家带孩子，想买自己喜欢的东西至少不必向老公要钱。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)"><span >要是婚前投保，</span>还不受婚姻风险的影响，这笔钱完全由自己自由支配。</span></section><section ><br /></section><section ><span >增额寿险账户里的钱，要是用不上，钱就继续在账户里增值，灵活性非常好！</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">最后给大伙总结下：</span></strong></span></section><section ><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsV8vlpuRdzxia6P14kBtcTDkicdxZ1DOd1RPWiaHHRdQwUHvH2hhMO9ibMZKUNWFQttibodNedrribu1EA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsV8vlpuRdzxia6P14kBtcTDkicdxZ1DOd1RPWiaHHRdQwUHvH2hhMO9ibMZKUNWFQttibodNedrribu1EA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >如图，按需投保，别买错了就行。</span></section><section ><span ><br /></span></section><section ><span >普通人适合买的理财险基本就这些，看到其他产品就得掂量掂量了，还能被忽悠，那也没辙。</span></section><section ><span ><br /></span></section><section ><span >至于具体的产品怎么买</span><span style="color: rgb(136, 136, 136)">（比如2款都是养老金怎么选）</span><span >，这里不展开了。</span></section><section ><span ><br /></span></section><section ><span >但记住，作为理财险，在安全性得以保证的前提下，怎么选不就看收益</span><span >（实际收益率IRR）</span><span >和灵活性了么。</span></section><section ><span ><br /></span></section><section ><span ><span style="color: rgb(136, 136, 136)">IRR是金融体系里衡量投资收益率高低的唯一标准，具体原理比较复杂，大家没必要去细究，只要知道实际收益率（IRR）越高，代表收益越高就行。</span></span></section><section ><span ><br /></span></section><section ><span ><span style="color: rgb(136, 136, 136)"></span></span><span style="color: rgb(136, 136, 136)">IRR具体详情看这里：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447794319&idx=1&sn=63c58da16ca04b9abc2d6f2ed1ed64a4&chksm=b2b047cd85c7cedb353b19c7b8fb6a283539604aa549f7374b21e8fd5cd9ea35f828bd037e4d&scene=21#wechat_redirect" tab="innerlink">如何计算内部收益率IRR？(手把手，含实操案例)</a></span></section><section ><span ></span></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)"><strong ><span >有问题，可以添加助手微信：dongbaoye888</span></strong></span></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)"><strong ><span >或在</span></strong></span><span ><span style="color: rgb(33, 89, 103)"><strong ><span >懂保爷公众号“免费咨询”菜单</span></strong></span><span style="color: rgb(0, 0, 0)"><strong ><span >预约</span></strong></span><strong style="color: rgb(0, 0, 0)"><span >1对1专属老师提供专业保险咨询规划服务。</span></strong></span></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787719&idx=1&sn=a9b80b3e85772fe569fb8a4dfbc4ba4a&chksm=b2b0618585c7e8934554004c34922a850cd82a9537ee2a7868e440eec2688d759e17e1cc4968&scene=21#wechat_redirect" tab="innerlink" hasload="1" ></a></section><section ><strong><span >网上投保：</span></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787719&idx=1&sn=a9b80b3e85772fe569fb8a4dfbc4ba4a&chksm=b2b0618585c7e8934554004c34922a850cd82a9537ee2a7868e440eec2688d759e17e1cc4968&scene=21#wechat_redirect" tab="innerlink" hasload="1" >「网上」买保险靠谱吗？</a></section><section ><strong><span >保险公司大小：</span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447791906&idx=1&sn=2ce60e5394a0cbc2a4b1ca0feca31c04&chksm=b2b0706085c7f97675a310f1e6e0655a3b2aa8816dc1feedae32ef31bd9122b933b2190116eb&scene=21#wechat_redirect" tab="innerlink" hasload="1" >这个保险公司没听过，产品能买吗？理赔靠谱吗？</a></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)"><strong >愿你家的保单永不出险！</strong></span></section><section style="text-align: center"><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FaqibLpHUEcztskunFytwCia8wiaepDysSMfE3VwhSiaK8siaOT9TuTk1zdwnnNQxrWZ5P8bwZP6icia0z7fyVElB7hctw%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/aqibLpHUEcztskunFytwCia8wiaepDysSMfE3VwhSiaK8siaOT9TuTk1zdwnnNQxrWZ5P8bwZP6icia0z7fyVElB7hctw/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: center"><br /></p><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span > <span style="color: rgb(136, 136, 136)">点击阅读原文，查看</span><span style="color: rgb(33, 89, 103)">懂保爷精选保险</span></span></section><section label="Powered by 135editor.com" ><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，帮忙点个<span style="color: rgb(33, 89, 103)"><strong>在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section>
