Investment and even risks May distre16 75% account of negative earnings

Stock market downturn, continue to hit was a bit bored by investment and even dangerous. According to Warburg securities recently issued by the classification of Chinese investment and even risk rankings (two thousand eleven-fifths), in May this year, investment and even risk the account in April compared with a marked decline in investment income, average monthly income-2.67%, create minimum value since the beginning of this year's one-month return on investment. Senior Manager told Diario reporter at a foreign insurance company, as part of the investment and continuous insurance premiums drop used to keep, basically into the stock market, so its benefits and the stock market closely and May stock market fell in channel. The Manager suggested that, if the economic conditions are not too loose policy holders, it is best to buy pure protection products. Recommended reading insurance weekly: protection listed 3.8 billion sold "China smell Department" assets town residents endowment insurance pilot a quarter Bank agent premium income decline 15% cast even insurance fell out of May average income-2.67% insurance professional intermediary high growth gradually into main channel Qian April foreign insurance enterprises share fell below 3% deciphered fuck disk password master main trends performance overall poor differentiation obvious China PO securities inquiry reported display, May, cast even insurance various account income differentiation more obvious, return turn for currency type (0.22%), and full debt type (-0.19%), and enhanced bond type (-0.4%), and mixed conservative type (-2.15%), and mixed radical type (-3.52%), and radical type (-4.62%) and index type (-5.42%). Investment and even the first negative income insurance account rooted in depressed stock markets, CSI 300 index in May fell 5.99%. Connection with an investment risk fund market is also comparable to the poor performance equity average income of the Fund-5.59%, bonds of average income of the Fund-0.37%, hybrid average income of the Fund-4.69%. Return on investment and even the risk of investment fund corresponding to slightly better than. Classification from the account level, higher levels of investment and even risks associated with stock market accounts involved in the market, aggressive type, exponential type account monthly average proceeds from both the bottom again, but beat the CSI 300 index. Bond, total bond index May smooth 0.31% in China, but bond class account of moderate performance in May, total debt, enhance returns on bonds May be negative, continuing currency-type accounts remains stable earnings situation, become an account only achieved positive returns in all accounts. From specific account level see, May has statistics of 176 a account in the, has 44 a account made are income; single months income rate row in topped of for Taikang five years regularly guarantee income investment account (0.52%), second for Taikang sound income type investment account (0.39%), and Kunihisa sound bond investment account (0.37%); ranking by Hou of has Everbright Sun enterprising type investment account (-8.17%), and investment letter promise harmonious b type investment account (-6.9%). From January-May this year cumulative return situation, various account income differentiation is also very obvious. Index type of account best haikang index is enhanced, the cumulative return-1.79%, the worst is the bright sun-index, cumulative returns-4.95%. Recommends identifying risks selected for companies in the industry think, limited investment channels, poor stock market, insurance companies May even vote since this year caused by uneven investment capacity is even the main reasons for the dismal performance of insurance accounts. It is understood that the insurance of investment and continuous delivery of insurance policy holders is divided into "protection" and "investment" in two parts, operate independently. For the investment section, investment and even risk opening a few risks of varying degrees account for customers to choose, such as accounts, development account, ensure that income of the Fund accounts. The Senior Manager of foreign insurance companies said: "different product, premium protection assigned difference between investment accounts and, in General, about three or four for protection, five or six for investment. "The Manager emphasized that investment and continuous insurance product customers targeted relatively strong, and normally do not guarantee a minimum income, the customer should identify the risks. But he also said: "income volatility in capital markets is quite normal, if you are experiencing good market, return on investment and even insurance account will also rise, investors may also dislike interest on bank deposits were too low. "Although the overall benefits to market fluctuation, but insurance companies ' investment capacity is also core factors affecting investor returns. To 2010 years of investment and even insurance accounts, for example, according to the finance meeting data, benefits best Taikang aggressive return to 23.82%, while the worst-performing in the British index return on investment accounts and even-15.63%. According to Warburg securities research report shows that in the last 3 years, aggressive investment account income best Taikang enterprising revenues of 126.37% and worst Metropolitan stock fund between China and the benefits of-12.82%. An insurance industry analysts believe that on capital operation of insurance companies the opportunity to grasp the capacity is reduced, before the market adjusted positions in the past and the layout is rare. The main reason is, some of the existing incentive mechanism of insurance companies to attract and retain talent, led many experienced analysis and operational personnel out of the insurance industry. Based on dissatisfaction with return on investment, domestic investment and continuous wave of insurance surrender occurs more than once. To strengthen the investment and continuous insurance sales management, protection of the interests of consumers, China insurance regulatory Commission has provided since March 15, 2009, silver channel of investment and even insurance will be limited to financing Center and wealth management Cabinet, savings counters shall not be sold. Reporter Gao Guohui