I think it is true. I have confirmed in many aspects that after questioning the law, I also bought it myself, and the chance is more than 15 %.
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I think it is true. I have confirmed in many aspects that after questioning the law, I also bought it myself, and the chance is more than 15 %.
In June 2019, 263 insureds publicly complained by the Ansheng 101 Fund scam, and the Ansheng Investment Decision Insurance suffered a tragic loss. These victims include housewives, retirees, high -level society, etc., with a maximum of 20 million losses, at least about 200,000.
The fraud group first controlled a Hong Kong insurance brokerage company and set up investment funds in the Cayman Islands. Then more than 10 insurance agents lobbying to 263 victims, purchased Ansheng Investment and Crime, and finally invested in the fund. The endorsement of the global insurance giant "Ansheng", coupled with the misleading publicity of 9%-12%of the annual income, made the insured mistakenly think that the fund "made a stable money". Under the careful layout of the scammers, the insured is like a lamb to be slaughtered to usher in a ruthless harvest.
In a year of investigation, the Hong Kong police eventually arrested 13 men and 11 women with conspiracy and money laundering, cracked the fraud case of HK $ 475 million.
It from this case we have to get a few lessons in wealth management:
1. Buying investment and investment insurance may obtain high returns, huge losses, and need to bear the consequences. If you do n’t know clearly, you will be blind to investing in insurance, it will easily become "leek". In general, investment insurance is more suitable for friends who pursue high returns and can bear high risk. Moreover, there are sales in the Mainland, and there is no need to stay away.
2. Investment insurance is a very niche product. In fact, most insurance benefits are very stable. So, if you can't bear the risk of investment and insurance, what other financial insurance is available?
It summarized, mainly divided into 4 types. These four insurances are not absolutely good or bad, and they are suitable for different people.
① If you want to do educational funds and pensions: you can choose annuity insurance and return money in the agreed year.
② If you just want to spend money to manage money: Recommend universal insurance, currently 3%-5%of the income is very good, and you can add and withdraw funds at any time.
③ If you want to leave money for your children: Recommended life insurance for increased life insurance, after a hundred years old, the wealth is automatically inherited to the beneficiary; if you use the money, you can also withdraw in advance.
④ If the pursuit of high returns: Investment insurance is similar to the "investment fund", when the stock market is good, it can get high yields, but it may also lose money.
don't touch the wealth management products you do n’t understand, otherwise you do n’t know where to complain.
3. If you feel that the insurance income is not high, you can consider the fixed investment of index funds. As long as you can stick to fixed investment, within 5-10 years, a high probability can get 50%-100%of the income. There are many advantages of this method:
① 10%of the annual income is not a dream. The stock market has a volatile cycle, and there will be a bull market every 7 years in my country. For example, the last two bull markets appeared in 2007 and 2015, and this year also showed signs of cattle. As long as you insist on long -term investment, buy in batches and sell in the bull market, it is not difficult to achieve 10%of the annual income.
② Differential risk, high safety. Index fund fixed investment is a decentralized investment method. Because it will help you buy hundreds of stocks at the same time to avoid full -warehouses to step on lightning junk stocks; and it is a long -term investment, regularly help you buy it every month, and also avoid you buying at a high level at one time and being deepened.
③ Simple operation, forced savings. The ancestor said that there was food in his hands, and he didn't panic. If you can't help spend money, the fund's fixed investment can help you forced savings. The specific operation is very simple. As long as you set up a time in advance, such as deducted money on the second day of salary every month, then the fund can help you cut a sum of money, accumulate less, and accumulate sand into towers.
④ is convenient and flexible, quickly adjusted. Compared with other financial management methods such as insurance, another major advantage of fund fixed investment is flexibility: the minimum is 10 yuan per month, which is very suitable for young people who just work without money. If you need to get married and buy a house halfway, or have other better investment methods, you can sell it at any time according to the profit and loss.
The high income of investment and insurance is also hidden behind high risks. I hope we can objectively look at this product and be a rational and mature investor. Finally, I want to remind everyone that "guarantee first, then finance." If you do n’t even have the protection, you should give priority to critical illness insurance, medical insurance, accident insurance, and regular life insurance.
The Ansheng 101 Global Fund was previously sold in Hong Kong and was stopped by the Hong Kong government. Now moved to Macau to continue.
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To expansion information:
According to different standards, securities investment funds can be divided into different categories:
(1) According to whether the fund unit can be increased or redeemed, it can be divided into open funds and closed funds. Open funds are not listed transactions (depending on the situation), and the fund size is not fixed through the purchase and redemption of banks, securities firms, and fund companies; closed funds have a fixed duration period. The second -level market sale fund unit.
(2) According to the different organizational forms, it can be divided into corporate funds and contract funds. The establishment of a fund shares of the fund shall be established in the form of a fund company, which is usually called a corporate fund; the three parties to the fund manager, fund custodian and investors through fund contracts are usually called contract funds. my country's securities investment funds are contract funds.
(3) According to the different investment risks and income, it can be divided into growth, income and balanced funds.
(4) According to the different investment objects, it can be divided into four categories: bond funds, stock funds, currency funds and hybrid funds. Which one of the earliest hedge funds is not sure. During the Bull market in the United States in the 1920s, there were countless investment tools for the rich. The most famous of which is the Graham Newman partnership fund founded by Benjamin Graham and Jerene Newman.
In 2006, Volon Buffett's letter to a Museum of American Finance declared that the Graham Newman partnership fund of the 1920s was the earliest henight fund it knew about it. , But other funds may also appear earlier.
During the economic recession period from 1969 to 1970 and during the collapse of the stock market from 1973 to 1974, many early funds lost heavy losses and closed down. In the 1970s, hedge funds generally specialized in a strategy. Most of the fund managers used more/short -shaped stock models. During the recession of the 1970s, hedge funds were not inquiring. Until the late 1980s, the media reported several large -success funds that they returned to people's vision.
I advise everyone not to buy it. I sell it. I have paid more than 50,000 each year, and I have lost 20,000 in a few months. The revenue is fifteen percent. Less than 10,000 yuan, I am now dilemma.
I can't say it, but at least there are exaggerated publicity issues. Under the simple calculation, investing 240,000, 10 million in 25 years, the annual return rate is about 16%. Only one Huaxia plate can have this level in the domestic public curtain fund, and it has to be maintained for 25 years. This difficulty is very difficult If there is such a good return, domestic fund companies will not need to open.
Igly, you should take a closer look at the contract signed when buying this fund. Look at this year to increase by 15 % each year to ensure yields or expected yields. It is expected that it is just a publicity. If you can't achieve it, you can't take him.