Consultation content: I want to buy an investment and wealth management insurance. I am a 47-year-old male with an annual income of about 20W. I'm going to take out 40-50W to buy an investment insurance. ? Consulting users: Dolphin (Chongqing) expert replied: Yao Xiaoying is in China Ping An Life Insurance Company of China Insurance Company, and Chongqing has no best, only better. You can look at the investment and wealth management products on my website. You didn't provide any information either. I want to recommend it to you. What is very impatient is that you have no conditions for me to design an insurance plan for you. Specifically, you need to provide: first, we need more detailed information; The second is to understand the financial situation and financial management objectives of customers; Third, we also need to know the risk preferences and financial management skills of customers; Fourth, calculate its risk coverage; Fifth, calculate the return on capital needed to achieve its financial goals; Sixth, give financial advice or plans. Beijing new china life insurance co Co., Ltd. will pay dividends to Xinhua on a regular basis, and the old-age insurance Jixing Company will have a guarantee of 300,000 yuan as long as you have saved it for 5 years. Tan Xiaoning, China Ping An Life Insurance Company of China Insurance Company, Nanjing, you want to buy insurance as an investment. If you like a stable and secure life, it is recommended to buy a dividend-paying life with wealth. If you need insurance for multiple accounts and have the psychological ability to take risks, you can choose two investment-oriented "Jufu companies". The former is guaranteed and the latter is uncertain. Shenzhen Xincheng Life Insurance Luo Jianming Investment Link Insurance has several investment accounts, which can be automatically converted according to your income and risk tolerance, so as to maximize your income, depending on which form you prefer, stable allocation or high income? This kind of insurance can be said to be the most humanized and trustworthy investment and financial management insurance at present. Guangzhou Zhong Yi Life Insurance Tian Youyuan invested 500,000 yuan and got an extra 200,000 life insurance, which is the different effect of bank deposit. In the past, I made a profit of 700,000 yuan in three years in Zhongtong Life Insurance Bangronghu, and this Mr. Luo has proposed 700,000 yuan to buy a house for his son to get married in Zhuhai. Chongqing Taiping Life Insurance Liu Lei Welcome to Sunflower. I am glad that more and more people now understand the role of insurance: as a financial management tool to protect funds and avoid risks, it is an essential part of family financial management. In investment, we must consider the distribution of risks and benefits. Eggs are not put in the same basket. In addition to long-term investment, we also need to establish four investment classification accounts: cash account, guarantee account, risk account and capital preservation account. 1. Cash account: There is no point in keeping too much money in the bank. Enough to maintain the family's living expenses for about 6 months. Generally, the proportion is around 10%. 2, to protect the account: the weather is unpredictable, and people have misfortune. When something goes wrong, we can have a lot of money to tide over the difficulties without affecting our other investments or businesses. No financial instrument can compare this function with insurance. Funds account for about 20%. 3, capital preservation account: Buffett's motto, investment and financial management must hold the principal, no matter whether the investment is successful or not, it will not hurt the vitality. Suggestions are real estate, gold, national debt or insurance products with guaranteed capital, with stable income and stable growth. Funds account for about 40%. 4. Risk account: high-risk and high-yield investment. Usually stocks, funds, etc. Funds account for about 30%. Only by establishing such an account plan can it be called balanced financial management. Just like football, there are forwards in attack and defenders and goalkeepers in defense.