<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%2FaqibLpHUEcztR8phfMo8WKgtOkOlSD6X15QuKtaSy0riaOEmdQMqsDANl6YASkzzFlEd5fcWztkPsxGgkXpv9kyw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztR8phfMo8WKgtOkOlSD6X15QuKtaSy0riaOEmdQMqsDANl6YASkzzFlEd5fcWztkPsxGgkXpv9kyw/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><section ><br /></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><strong><span >一、</span></strong></span></section><section ><span ><br /></span></section><p ><span >不知道大家平时是怎么存钱理财的？</span></p><p ><br /></p><p ><span >其实撇开可能血本无归的理财手段来看，</span></p><p ><span ><br /></span></p><p ><span >普通人存钱理财的手段相当有限，无非买买基金国债余额宝，甚至只会存银行...</span></p><p ><span ><br /></span></p><ul ><li><p><span >可这些要么有风险会亏，不敢大额投入；</span><span ><br /></span></p></li><li><p><span >要么没风险也没啥收益，犹如慢性毒药，慢慢损害资金的时间价值。</span></p></li></ul><p ><br /></p><p ><span style="color: rgb(136, 136, 136)">例如1990年，银行卡有10万活期余额，不管的话，现在顶多涨到12万，看起来变多了，实际亏到姥姥家。</span></p><p ><br /></p><p ><span >我们赚的钱，是会不断通胀贬值的。<br /></span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)">想避免通货膨胀只有一种办法：</span><span style="color: rgb(136, 136, 136)">把每月努力赚的钱</span><span style="color: rgb(136, 136, 136)">全部消费掉。</span></p><p ><span style="color: rgb(136, 136, 136)"><br /></span></p><p ><span style="color: rgb(136, 136, 136)">这明显不现实。</span></p><p ><br /></p><p ><strong ><span >怎么才能打破局面？</span></strong></p><p ><br /></p><p ><span >很简单，<strong >让钱生钱</strong>即可，一边通胀贬值，一边生钱增值，维持钱的价值不变或少变。<br /></span></p><p ><br /></p><p ><span >可答案简单，实现却并不简单。</span></p><p ><span ><br /></span></p><p ><strong><span >一是收益要高并长期锁定，二是足够安全，三要能灵活支取。</span></strong><span ></span></p><p ><br /></p><p ><span >在当下及可预见的未来，能同时满足以上3点的存钱理财方式</span><span style="color: rgb(136, 136, 136)">（要对普通人无门槛）</span><span >，</span></p><p ><br /></p><p ><span >只有一个：</span><span ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484504&idx=1&sn=a76f1fc9ceea4fcb5508981842db616a&scene=21#wechat_redirect" textvalue="增额终身寿险" linktype="text" imgurl="" imgdata="null" tab="innerlink">增额终身寿险</a></span><span >。<br /></span></p><section ><br /></section><section ><span >并且受</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491585&idx=1&sn=8c6fcf0886d96b5cbcde21b2415e786f&chksm=cfb60381f8c18a978166eae35547a4dd2d86f555763c832526dde691394ed11b3099781a65de&scene=21#wechat_redirect" textvalue="互联网新规" linktype="text" imgurl="" imgdata="null" tab="innerlink">互联网新规</a></span><span >的影响，增额终身寿这类最佳存钱理财方式，都将在12月31日全网停售！</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)"></span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(33, 89, 103)">二、</span></section><section ><br /></section><section ><span >简单介绍下增额寿，</span><span >买了它后：</span></section><section ><br /></section><ul ><li><p><span >相当于在保险公司办了一张高收益的银行卡（安全）；</span></p></li><li><p><span >3.5%复利增值（高收益）；</span></p></li><li><p><span >可以随时存钱/取现，无手续费（灵活）；</span></p></li><li><p><span >可用来存钱理财、养老、子女教育等。</span></p></li></ul><section ><span ></span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">Ps：如果有孩子，建议孩子作为被保人，能锁定更长收益期（孩子终身）<span style="color: rgb(136, 136, 136)">，不影响自己对保单和资金的支配权</span>。</span></section><section ><br /></section><section ><strong><span >不过市面增额终身寿险那么多，哪款值得买呢？</span></strong><span ></span></section><section ><br /></section><section ><span >这在我评测对比全网所有增额寿后，已经有了答案，下面一起看下：</span></section><section ><br /></section><section ><span ><span >以给5岁孩子，年交10万，交3年，总投入30万为例：</span></span></section><section ><span ><span ><br /></span></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNIHbfyx9pfnPUzmmWapXMC4q68EViayA7VZVYcpYEJ0fAy3KwuTAm7dOmp6H2t7b6iaJ2BY5kXEImQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNIHbfyx9pfnPUzmmWapXMC4q68EViayA7VZVYcpYEJ0fAy3KwuTAm7dOmp6H2t7b6iaJ2BY5kXEImQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">红色标记为某时间点几款产品中收益最高的那款</span><span ></span></section><section style="text-align: center"><br /></section><section ><span style="color: rgb(33, 89, 103)">就收益来看，</span></section><section ><br /></section><section ><span ><strong>金满意足（臻享版）</strong></span><span >投保后</span><strong >第8年</strong><span >开始，收益一直到最后都最高，位列第一。</span></section><section ><span ><br /></span></section><p ><span >给5岁孩子投保金满意足，本金30万：</span></p><p ><br /></p><ul ><li ><p ><span >30岁时，账户价值约68万，是本金的2.3倍，约合年化单利5.34%；<br /></span></p></li><li ><p ><span >50岁时，账户价值约136万，是本金的4.5倍，约合年化单利8.04%；</span></p></li><li ><p ><span >70岁时，账户价值约270万，是本金的9倍，约合年化单利12.50%；</span></p></li><li ><p ><span >90岁时，账户价值约538万，是本金的18倍，约合年化单利20.16%！</span></p></li></ul><section ><br /></section><section ><span >其他产品，利多多、增多多（珍藏版）、益利多2.0等都差一些。</span></section><section ><span ></span></section><section ><br /></section><section ><strong ><span style="color: rgb(33, 89, 103)">再看下年交6万，5年交，总投入还是30万的收益情况：</span></strong></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPUyzXGv0f9u5p0VjMJVA4HmqrwYxjLKy11BuicysN73DH23gq98oIzJbNxZUEFLZ0D3FicmGIct2ww%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPUyzXGv0f9u5p0VjMJVA4HmqrwYxjLKy11BuicysN73DH23gq98oIzJbNxZUEFLZ0D3FicmGIct2ww/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: center"><br /></p><section ><span >仍是</span><strong >金满意足（臻享版）</strong><span >占据绝对优势，</span></section><section ><span ><br /></span></section><section ><span >买完后55年内收益都是最高，并且中期优势很大。</span></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span >就算55年后被反超，差距也相当有限，几百万的体量只差2000元左右。</span></section><section ><span ><br /></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">三、</span></section><section ><br /></section><section ><span >分析完收益对比，再看下</span><span >回本时间</span><span style="color: rgb(136, 136, 136)">（单位是年）</span><span >，如下 ▼：</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%2FO95eeDepqTOhEKQmsb4IpA4qM0zYPGVGW7ZuZCuZELia9KKm02DE7TtbAmUEdMf01AlvzlkNmW8BvhOxhwo9FBA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOhEKQmsb4IpA4qM0zYPGVGW7ZuZCuZELia9KKm02DE7TtbAmUEdMf01AlvzlkNmW8BvhOxhwo9FBA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >结合我们之前挑选增额终身寿的三要素：</span></section><section ><span ><br /></span></section><section ><strong><span >收益、加保、回本时间。</span></strong><span ></span></section><section ><span ><br /></span></section><section ><span ></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOhEKQmsb4IpA4qM0zYPGVGnAGoUET1ZsaDFickhWTQatfRqrIibYlkiax9AQUkdg2fBlN8sHHffxAmw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOhEKQmsb4IpA4qM0zYPGVGnAGoUET1ZsaDFickhWTQatfRqrIibYlkiax9AQUkdg2fBlN8sHHffxAmw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ></span></section><p ><br /></p><p ><span >明显，金满意足臻享版综合实力最强、无死角。</span></p><p ><span ><br /></span></p><p ><span >中/后期收益极高，加保、减保都没短板，保单贷款利率最低（目前仅<strong>4.5%</strong>），<span >回本也</span><span >快</span>。</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)">最重要的减保取现，保险合同生效满14个月后即可申请，不限时间，不限次数，无手续费。</span></p><p ><span ><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPUyzXGv0f9u5p0VjMJVA4HWmcmIJPew0OcxTiabia9Bn3MBu8Zs1Nz7iaEDQtnC6QiaxhibeUymrXW9ag%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPUyzXGv0f9u5p0VjMJVA4HWmcmIJPew0OcxTiabia9Bn3MBu8Zs1Nz7iaEDQtnC6QiaxhibeUymrXW9ag/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p style="text-align: center"><span style="color: rgb(136, 136, 136)">减保后账户余额不得低于500元，想全取出来可以退保</span><span style="text-align: justify"></span></p><p ><span ><br /></span></p><p ><span >不用多说，这就是目前第一推荐的增额终身寿险！</span></p><p ><span ><br /></span></p><section ><span style="color: rgb(136, 136, 136)">购买入口：</span><span style="color: rgb(0, 0, 0)"><a href="" href="">金满意足（臻享版）</a></span><span ></span></section><p ><span ><br /></span></p><p ><span ><strong>最后把最新理财险挑选思路图分享给大家 ▼：</strong></span></p><p ><br /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOhEKQmsb4IpA4qM0zYPGVGOrquicKoXXz8dTbNj6iaWldpWrecRmXiaCwe0rdLmEicNF5pXkt30yxBMQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOhEKQmsb4IpA4qM0zYPGVGOrquicKoXXz8dTbNj6iaWldpWrecRmXiaCwe0rdLmEicNF5pXkt30yxBMQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >12月31日将近，全网高收益理财险生命周期都进入倒计时。</span></p><p ><span ><br /></span></p><section ><span >包括<a href="" href="">金满意足臻享版</a>在内的绝版高收益理财险</span><span style="color: rgb(33, 89, 103)">（购买入口在【懂保爷】公众号菜单）</span><span >即将退出历史舞台。</span></section><section ><br /></section><section ><span >随时会提前停售！</span></section><section ><br /></section><section ><span >建议大家尽快先上车开个账户占个名额，给未来锁定一个终身复利高收益的账户。</span><span ></span></section><p ><br /></p><section ><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">有疑问，可以加我助理微信</span><strong style="color: rgb(0, 0, 0)"><span >：</span></strong></strong><strong style="color: rgb(0, 0, 0)"><span >dongbaoye888</span></strong></section><section ><strong style="color: rgb(0, 0, 0)"></strong></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)"><strong ><span >或点击下方</span></strong></span><span ><span style="color: rgb(33, 89, 103)"><strong ><span >公众号“免费咨询”菜单</span></strong></span><span style="color: rgb(0, 0, 0)"><strong ><span >找我团队专业规划老师帮你解决。</span></strong></span></span></section><section></mpprofile></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><p><br /></p><section ><span ><strong >增额终身寿相关：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484577&idx=1&sn=e989cb93c1c4693c5eedd704a2c84cd6&chksm=e889f7c0dffe7ed6585d02191c4f37427188b84418e18c38bdd07caba730af75302bdad98322&scene=21#wechat_redirect" textvalue="至少做一次，改变终身的决策" linktype="text" imgurl="" imgdata="null" tab="innerlink"></a></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484577&idx=1&sn=e989cb93c1c4693c5eedd704a2c84cd6&chksm=e889f7c0dffe7ed6585d02191c4f37427188b84418e18c38bdd07caba730af75302bdad98322&scene=21#wechat_redirect" textvalue="至少做一次，改变终身的决策" linktype="text" imgurl="" imgdata="null" tab="innerlink">至少做一次，改变终身的决策</a></span></section><section ><span ><strong >新规解读：</strong></span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491585&idx=1&sn=8c6fcf0886d96b5cbcde21b2415e786f&chksm=cfb60381f8c18a978166eae35547a4dd2d86f555763c832526dde691394ed11b3099781a65de&scene=21#wechat_redirect" tab="innerlink" wah-hotarea="click" hasload="1" >至暗时刻，互联网人身保险或将全部下架</a></section><section ><strong ><span ><strong ><span >新规科普：</span></strong></span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484428&idx=1&sn=f5ea5ed704febb9446b76c710c51969c&chksm=e889f76ddffe7e7b37ed369131c766b37811e6d59e2deca8f747c6abb334e78d45a7e5763050&scene=21#wechat_redirect" textvalue="风声大，雨点也大" linktype="text" imgurl="" imgdata="null" tab="innerlink" wah-hotarea="click" >风声大，雨点也大</a></span><strong ><span ></span></strong></section><section ><strong ><span >怎么选理财险：</span></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484196&idx=1&sn=e5b4f7bd19fc5008eac7f634ddcccba5&chksm=e889f045dffe7953bb7c6791cbbfa37919a692f43281323d11d0ab583f484db042b57ff8100d&scene=21#wechat_redirect" textvalue="增额终身寿险和年金险选哪个？" linktype="text" imgurl="" imgdata="null" tab="innerlink" wah-hotarea="click" >增额终身寿险和年金险选哪个？</a></section><section ><span ><strong >增额寿险相关：<a target="_blank" href="https://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484504&idx=1&sn=a76f1fc9ceea4fcb5508981842db616a&scene=21#wechat_redirect" textvalue="增额终身寿各种火，但依我看，优点就一个" linktype="text" imgurl="" imgdata="null" tab="innerlink"></a></strong><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484504&idx=1&sn=a76f1fc9ceea4fcb5508981842db616a&scene=21#wechat_redirect" textvalue="增额终身寿各种火，但依我看，优点就一个" linktype="text" imgurl="" imgdata="null" tab="innerlink">增额终身寿各种火，但依我看，优点就一个</a></span></section><section style="text-align: left"><br /></section><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTPmFXJicDZ7TgTibQcRdVN6dOFRaoA0iafz9uRt9UUN2JpHoGC72fnL68XOx4icklHwf0E185n2g3STgw%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTPmFXJicDZ7TgTibQcRdVN6dOFRaoA0iafz9uRt9UUN2JpHoGC72fnL68XOx4icklHwf0E185n2g3STgw/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><br /></section><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)">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>
