Variable annuity product for seven years to preserve capital

Expiration of the CFP for 100% capital guarantee implied inflation diminished risks of domestic variable annuity vs a formation, with a paper of the China insurance regulatory Commission approval, an insurance company launched the first variable annuity product, fired the first shot of the domestic market for variable annuity products. It is understood that the main "capital preservation", under the subtle performance in today's stock market and inflationary expectations, guaranteed investment products are sought after. But with the transfer of "variable annuity insurance is an investment with minimum income guarantee continuous insurance" compared to say, the products and no minimum investment return guaranteed, only seven years of the expiration of the guarantee capital preservation in full. In addition, compared to other capital preservation investment products, the variable annuity insurance required to pay a higher fixed rate every year, but even more advantages in their risk control. Recommended reading insurance weekly: Storm safe involvement haixin shares owned pipe investigation storm disaster danger-don't forget to vote Wade was the protection of health is expected within months of funds granted 1 billion insurance product specification for more selling short China insurance regulatory Commission to be more variable annuity insurance into a bear market life-saving straw tendencies on the other side of risk capital investment balance? Decipher the main trends in the context of the trader password master Zhou Hui/table to remind: 100,000 RMB 7 years management fee of $ 19,500 reporter learned that, the starting capital of $ 100,000 annuity products, for 7 years-barges, and 7-year operation period is a variable annuity insurance regulatory Commission provided the shortest possible period. Initial fees for money 2%, 1.5% year guaranteed rates for funds, 1% years account management charge for funds, exchange rates for funds to 2%. If the market is not good, insurance companies bear the downside risk, principal of the $ 100,000 with 7 years to achieve capital preservation earnings, management will spend a total of 19,500 Yuan long capital guaranteed funds and high CPI will also lose in the race. Moreover, compared to today's 5-year time deposit interest rates of banks 5.25%, 7 years is not only the $ 100,000 capital paid into the Bank does not require any management fees, also will get a higher interest income, a total of $ 34,550. Market is still in a State of shock, in fact, given the current market is still in a State of shock, capital preservation products by investors hot round, the fund company is keen to launch all kinds of capital preservation fund. According to Wind data show that in the past 6 months, average yield-11.67% general stock fund, while bond yields an average of 0.094%. Compared to stock products, bond funds, money funds, low-risk products such as capital preservation funds are sought after. Due to the historical performance of the capital preservation fund sound, asset allocation in the basket, investors can put capital preservation funds as "bottom" hedge varieties of configure to meet high inflation era. On capital markets requirements high currently, China domestic of capital preservation fund subscription rates not than 1%, capital preservation period within of redemption fee with holds period of extended and reduce, as holds due is redemption fee for 0; capital preservation fund of management rates for 1.2%, managed fee for 0.2%, calculation down, annual of fixed rates only for 1.4%, than variable amount annuity annual fixed rates corresponding reduce 1.1%, and general capital preservation period for three years. Once an individual early termination or early redemption, it is not within the scope of commitments, early redemption is when you want to pay a substantial proportion of the early redemption fees. Some experts pointed out that, variable annuity insurance products for capital markets require high operation inadvertently may cause major losses to the insurance company. The most common way is to use the option to buy to hedge risk, but because of the lack of options markets, stock index futures are launched only a year, so the risk control as the biggest challenge. Advantages: wind-controlled model better than the capital preservation fund reportedly, variable annuity insurance provides minimum maturity benefit guarantee, minimum cumulative interest guarantees, the minimum death benefit guarantee and the minimum payment for an annuity guarantee. The product is a combination of internal hedging techniques, principal of the insurance portfolio of an option-based technologies to protect users. No option but due to the domestic market, corporate internal simulation options for hedging purposes. The company said, the company in global hedged using foreign shareholder AXA platform provides a service implementation, system platforms, enter each policy, investment account and the capital market information, calculation of the value corresponding to each insurance policy, then use corresponds to the value and calculation of option value to sell a certain proportion of investment accounts, timely interest classes and the dynamic asset for the fixed asset class combination. Is balancing unit categories as in connection with an investment risk, variable annuity products for customers to set up the corresponding investment account, investment benchmarks for the 25% class for equity investment, 65% for 10% for fixed-income investments, flow proceeds, is balancing unit categories, changes in the market changes in real time, when the market downward will quickly transfer the funds to bonds of security configuration. "It now jiancang, valuation levels are low, the stock market there is a big chance. "If you encounter the downside risk investment accounts, line of final account funds could not be reached policy agreement, funds gap insurance companies want to" pay ". Different Yu internal combination hedge mode, currently domestic most capital preservation fund by take of wind controlled mode is CPPI, capital preservation fund often using a dynamic investment combination insurance technology implementation capital preservation, this technology of basic thought is will most assets (insurance bottom line) inputs fixed proceeds securities, to guarantee capital preservation cycle due Shi can recovered principal; while will remaining of small part funds (security pad) multiplied by capital preservation fund a zoom multiples inputs stock market, to win stock market of high proceeds. In this way, when the stock market goes up, CPPI magnification according to the calculated investment funds in the stock market will increase, so as to increase the Fund's investment income; on the contrary, when the stock market decline, CPPI calculated will reduce the amount of funds invested in the stock market, the Foundation will be part of the transfer of funds from stock markets to less risk of bond markets, so as to avoid the risk of a decline in the stock market. But once the market fell sharply, customer account will be locked, the money will not rebound again participate in the upside of the market. Tips: the capital preservation fund: within a certain period, the principal investment guarantee capital preservation fund to provide a certain proportion, with fruits or a very small proportion of the assets of the Fund engaged in high-risk investment, and most of their assets in fixed-income investments, making fund investment market regardless of how to decline, never less than the guaranteed price, to achieve the so-called "capital preservation". At the international level, capital guaranteed fund can be divided into assurance and protectionFunds two types, capital protected funds of which do not require third-party guarantees. In General, the capital preservation fund most of the assets in the fixed income bonds, so that the expiry of the period of the Fund to pay investors principal, the remaining assets of about 15%~20% to invest in stocks and other tools to enhance return potential. Variable annuity insurance: variable annuity insurance to annuities and variable amount of insurance features integration of goods, insurance policy's cash value and annuity payment lines with the changes in the investment performance is good or bad. It is charged by an insurance company to insurance premiums take into special account, major investments in publicly traded securities, and will be assigned to participate in the insured annuity investment dividends, insurance buyers bear the investment risk, risk of changes in rates of mortality and costs borne by an insurance company. For policyholders, to purchase such insurance products, can be protected function on the one hand, on the other hand can bear the high cost of risk to get high definition return the amount of gold. 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