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The author:(作者)归海一刀published in(发表于) 2014/2/11 9:23:16 PayPal new Lantern financial firm for the insurance， 7% income doubt
PayPal new Lantern financial reality for insurance and 7% income doubt-Lantern financial balance Po, PayPal, Internet banking-IT information PayPal new Lantern financial management for the insurance 7% benefits of doubt
Balance during the Chinese new year treasure, ECR grabbed the smoke of battle has not yet been cleared, PayPal is in full swing to build "upgrades" balance of treasure, planned for the Festival a new product on the market, and "a year is expected to yield up to 7%, committed to capital preservation guarantee" slogan. According to sources, balances the treasure the butt for universal life insurance product. But the product will face two major questions, on the one hand, one year 7% yields can deliver? The other hand, many people value the Internet financial flexibility, products can be sought after for a long time?
After the Spring Festival, "balance treasure" raised concern about the yields declined. For example, the preganglionic ECR's 7th annual yields as much as 7.902%, which have plunged since the day after, last day 7th annual income levels for 6.7560%. Insiders believe that IMF could not sustain at 7% level, capital needs as the market gradually eased interbank rates gradually come down, money Fund yields will return to a normal level .
Joint life of the Pearl River hit higher-yielding
Po hopes this balance by offering long term higher-yielding financial products once again stepped in the market "pain points", "If users money ample earnings and yields higher pursuits, it is recommended not to put the IMF as finance preferred. ”
It is understood that the Po the balance phase user 2 exclusive rights launched, will be on sale on the day of the Lantern Festival, is now an appointment expected annualized yield of 7%, unless locked return for up to one year period, the capital preservation guarantees, Po users but only for the balance of the purchase. According to sources, balances the treasure this docking is an insurance product, for universal life insurance product type, so can capital preservation guarantee of commitment, cooperation with the life of the Pearl River in Guangdong Province. In addition, the source also revealed that Po upgrade Alipay is seize the balance of research and development, does not exclude the above product is an upgraded version of prototype.
Question 1: can deliver yields of 7%?
This upgrade Edition Po claim expected annual yield of 7% balance and pledged capital preservation guarantee, but in the current universal life insurance product with an average settlement rate of 4% against the backdrop of expected one year 7% yields can cash it?
A third-party payment source believes that 7% per cent of the IMF earlier annualized yields were somewhat unusual, reasonable levels of return. He noted that the short-term fund companies are easier to do higher figures to attract users, only half a year or even a longer period in order to realize stability of earnings, in his view, the current short-term interest rates and long-term interest rate inversion situation will soon change .
PayPal considers, does have a few good long-term investment products on the market, but has a high threshold of subscription amounts are more than 5 million Yuan, and Internet channels can significantly lower the threshold to retail, "currently, total base year yields above 5%, insurance products do to 7% shouldn't be a difficult task. ”
However, other experts warn the user: on the one hand, settlement rates released by the current universal life insurance products are not all premiums by yield, but after deducting the support cost, fees into the personal investment accounts part of the yield. Meanwhile, universal coverage has guaranteed income (generally 1.7% to 2.5%), but above the guaranteed minimum income is uncertain, future sustainability is still unknown.
Question 2: the product is not suitable for long network?
The view was expressed that, a lot of people buying Po, ECR do value their flexibility, balance, and the medium-and long-term products do not meet Internet banking "Dick" nature, not only will divert the existing base of domestic investors, and will once again set off the market is still in doubt.
In this regard, Alipay will see various "treasures" were docking the International Monetary Fund, earnings volatility, long-term benefits are difficult to identify and are unable to provide safe, demand for some of the users have access to steady income.
In the industry's view, Po's positioning is individual clients cash management tool, so pay for convenience and gains more protection than the former; but the future companies will aim at users of various financial needs, introduced different time frames, the different risks and different benefits.
Insurance specialist: universal coverage expected rate of return is not equal to the real return
Insurance experts caution that the expected benefits of universal life insurance proceeds rates does not mean that customers can be, "customers get is the actual clearing rate insurance company announced on its website on a regular basis. Calculate yield to cover initial costs involved and early surrender or partially charged, the actual earnings far below its Web communications. ”
In this regard, the experts warn, to see when buying universal life insurance product terms, is it necessary to pay additional expenses, if an initial fee, collected fees, policy management, risk, fees, etc.
To invest or for large-scale infrastructure projects
Pearl River life are people told reporters yesterday, with the China insurance regulatory Commission on further liberalization of the investment channels of insurance funds, more and more insurance funds into equities, and investment in infrastructure projects. Zhujiangrenshou official told reporters earlier, has planned several large-scale infrastructure investment projects in Guangdong Province, yields compared to large deals more advantages in terms of interest rates on deposits. Therefore, industry analysts: "does not rule out risk capital investment channel widened, the product yield in the rising tide lifts all boats. ”
"But to see that since last year, the variety of various types of high-yield finance and insurance products, appears in the online insurance platform, high profit insurance companies showmanship weapon. "These insiders admitted that" at present the long-term rate of return on investments of insurance funds mainly for 5%~6%, whereas higher-income products or will force the use of insurance funds in blind pursuit of high yield investments too radical. ”
支付宝新品元宵理财实为保险，7%收益存疑 - 元宵理财,余额宝,支付宝,互联网理财 - IT资讯支付宝新品元宵理财实为保险，7%收益存疑
春节期间余额宝、理财通抢客大战的硝烟尚未散尽，支付宝又在紧锣密鼓地打造“升级版”余额宝，计划在元宵节推出一款新产品，并打出了“一年期预期收益率达7%，承诺保本保底”的口号。据消息人士透露，余额宝此次对接的为万能险产品。但该产品将面临两大疑问，一方面，一年7%的收益率能否兑现？另一方面，很多人看重的是互联网理财的灵活性，长期产品能否受到追捧呢？
春节过后，“余额宝们”收益率出现下滑的情况引发关注。例如，节前理财通的七日年化收益率一度高达7.9020%，而节后以来大幅跳水，最新一天的七日年化收益水平为6.7560%。业内人士认为，货币基金不可能长期维持在7%的水平上，随着市场资金需求逐渐缓解，银行同业拆借利率逐步回落，货币基金的收益率也将回归正常水平。
联手珠江人寿冲击高收益
而此次余额宝希望通过推出期限更长收益更高的理财产品再次踩中市场的“痛点”，“如果用户手中资金比较充裕，对收益期和收益率有更高追求，建议不要把货币基金作为理财首选。”
据了解，余额宝此次推出的用户专享权益2期，将在元宵节当日公开发售，目前已开始预约，预期年化收益率为7%，除能锁定长达一年的收益期外，还能保本保底，但仅限余额宝用户购买。据消息人士透露，余额宝此次对接的是保险产品，产品类型为万能险，故能承诺保本保底，合作方是广东珠江人寿。此外，消息人士也透露，支付宝正在抓紧研发余额宝的升级版，不排除上述产品就是升级版的雏形。
疑问1：年收益率7%能否兑现？
这款升级版余额宝宣称预期一年收益率达到7%，并承诺保本保底，但在当前万能险产品平均结算年利率为4%的背景下，预期一年7%收益率能兑现吗？
一位第三方支付人士认为，此前货币基金7%以上的年化收益率本来就有些不正常，会向合理水平回归。他指出，基金公司短期很容易做出高数字吸引用户，只有半年或更长时期才能体现收益稳定性，他认为，目前短期利率和长期利率倒挂的情况很快会改变。
支付宝人士认为，市场上确实有一些好的长期投资产品，但有着较高门槛，认购金额都在500万元以上，而互联网渠道购买可以大大降低散户们的投资门槛，“当前，各种货基的年化收益率都在5%以上，保险产品做到7%应该不是难事。”
不过，也有专家提醒用户注意：一方面，目前万能险产品公布的结算收益率并不是所交全部保费的收益率，而是扣除保障费用、手续费后进入个人投资账户资金部分的收益率。另一方面，万能险虽有保底收益(普遍在1.7%到2.5%)，但保底之上的收益并不确定，未来能否持续还是个未知数。
疑问2：中长期产品不适合网络？
有观点认为，很多人购买余额宝、理财通还是看重其灵活性，而中长期产品并不符合互联网理财的“屌丝”特性，不仅会分流现有货基投资者，而且能否再次引爆市场还说不准。
对此，支付宝人士认为，目前各种“宝”都是对接货币基金，收益存在波动，长期收益难以确定且不能提供保本，部分用户有获取稳定收益的需求。
在业界看来，各种宝的定位其实是个人客户的现金管理工具，所以支付便利和收益相比更要保障前者；但未来各家公司一定会瞄准用户各种理财需求，推出不同时限、不同风险和不同收益的产品。
保险专家：万能险预期收益率不等于实际收益
保险专家提醒，万能险的预期收益率并不等于客户真正能得到的收益，“客户所得到的是保险公司定期在官网公布的实际结算利率。而且计算收益率还要涉及投保初始费用及提前退保或部分支取费用，实际收益远低于其网络宣传。”
对此，专家提醒，在购买万能险时要看清产品条款，是否需要额外支付相应的费用，如初始费、领取费、保单管理费、风险费等。
投资方向或为大型基建项目
珠江人寿相关人士昨日则向记者表示，随着保监会对保险资金投资渠道的进一步放开，越来越多的保险资金也进入到一些权益资产以及基础设施项目投资渠道当中。此前珠江人寿的相关负责人向记者透露，已经计划了几单在广东省内的大型基础设施投资项目，收益率相较于大额协议存款的利率而言更有优势。因此，业内人士分析：“不排除险资投资渠道拓宽后，产品收益率也随之水涨船高。”
“但是也要看到，去年以来，各类高收益保险理财产品五花八门，出现在保险网销平台，高收益也成为险企揽客利器。”上述业内人士坦言，“目前保险资金的长期投资收益率主要为5%~6%，而过高收益的产品或将迫使保险资金运用盲目追求高收益率，投资过于激进。”
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