Stoke digital currency platform
Publish: 2021-05-11 21:11:18
1. Mature and developed market, high security and tax-free policy make more and more high net worth people pay attention to American life insurance
the American life insurance instry is mature and developed, and the fully competitive market environment enables policy holders to enjoy excellent service at low cost. Many customers knew that the cost of insurance in Hong Kong was quite low, but they did not know that the cost of insurance in the United States was three times lower than that in Hong Kong
in the United States, insurance companies operating life insurance business are protected by the bankruptcy law of the United States. Insurance companies are not allowed to declare dissolution or bankruptcy at will. Poorly managed insurance companies can only be merged by other companies operating life insurance business, or taken over by the state government or the federal government. At the same time, the CIRC will audit the insurance company every quarter. If the solvency of the insurance company cannot reach 102%, the CIRC will intervene in advance
life insurance is an indispensable part in the tax planning of immigrants to the United States and the global asset allocation of non immigrants. Combining domestic and foreign tax information to configure insurance is an important part of our tax planning process. Now, make an overview analysis of life insurance procts in the United States< Term life insurance is the earliest and simplest type of insurance. This kind of insurance has a certain range of years, such as 10 years, 15 years, 20 years and 30 years. After the expiration of the insurance contract, the protection stops. If the insurance is renewed, the age of the insured will increase, and the premium will be very expensive
the premium of term life insurance is cheap, but it has no cash value, no function of saving and investment. This kind of insurance proct is very pure consumer insurance, which is most suitable for young people with limited budget
term life insurance
Life Insurance
2 life insurance whole life insurance
life insurance is valid until the death of the insured. After paying the fixed insurance cost, the remaining part of the premium paid by the insured will be converted into cash value. Insurance companies will pay dividends regularly according to the company's profitability, but the amount of dividends is not guaranteed. The cash value in the insurance will increase over time. However, if the insured wants to cancel the life insurance ahead of time, he can only get back a very limited cash value
the biggest problem of life insurance procts is that the dividend payment standard is not transparent, and the cash value is extremely difficult to use in life
3 universal life insurance
e to the lack of flexibility of life insurance, a new kind of life insurance universal life insurance came into being. Universal life insurance is similar to life insurance, and its coverage is all life. After paying the insurance cost, the remaining part of the premium will be invested in another account. However, the regulations of universal insurance are more flexible. There are no rigid regulations on the time and amount of payment, and only the minimum payment level is required. It also has the right amount of cash value that can be raised in the time needed
the return of universal life insurance is generally linked to the market interest rate. In the current low interest environment, the actual return of universal life insurance is generally lower than the expected rate of return
4 variable universal life insurance
investment universal life insurance evolved from universal life insurance. On the basis of universal life insurance, the concept of fund investment is added. Customers with investment experience can use the characteristics of the insurance proct to choose the fund portfolio that meets their risk expectations, so as to optimize their insurance return
however, for non professional investors, the investment function of this kind of procts is often like chicken ribs, which is no different from the traditional universal life insurance, and can not play its independent investment characteristics< Index universal life insurance is an improved proct in recent years
the investment income of the cash account of such procts does not refer to the market interest rate, nor to the operating conditions of insurance companies, but is based on the S & P 500; At the same time, insurance companies promise to keep the principal, the investment income will not be negative, and the principal will not be lost
this proct is the most advanced life insurance proct in the world at present. It achieves a good balance between high return and capital preservation, and is suitable for almost everyone< What index does IUL refer to
the operation mechanism of IUL is to put the total premium of customers after decting the basic expenses required for life insurance into the market. According to the regulations of the CIRC, 90% of the funds will be invested in non risk bonds, and the other 10% will be invested in the option trading market. Most companies refer to S & P 500; Index dividend, a small number of companies will refer to the global three index dividend. At the same time, IUL procts promise to break even. Therefore, the proct is more secure than the traditional universal life insurance
S & P 500 S & P 500 & P 174
it records a stock index of 500 listed companies in the United States, which can flexibly adjust the price changes caused by new equity subscription, share dividends and stock split, and the index value is more accurate
European Stoxx 50 & # 174
the market value weighted average index is composed of 50 super blue chips listed on the capital markets of 12 EU member countries, including France and Germany< The Hang Seng index takes 50 listed stocks in the Hong Kong stock market as the sample, and the weighted average stock price index with its circulation as the weight is the most influential stock price index reflecting the price trend of the Hong Kong stock market
Third, what is the risk of linked index
if the proct is linked to the index and the rate of return is affected by the rise and fall of the index, is the proct risky? This is the most concerned issue< According to the analysis of historical return data, the historical return on assets of the US stock market over the past 200 years shows that, on the whole, the stock price of the US stock market shows an upward trend for a long time. The IUL procts mentioned above mainly refer to the S & P 500 index of the United States. The figure below shows the trend of the return rate of the S & P 500 index of the United States in the past 20 years (1996-2016)
* in 1996 -2016 index change rate chart
from the above trend chart, we can see that in 2000, the Internet bubble, the Iraq war and the 911 incident, the 2007 subprime mortgage crisis, the 2008 stock market crash, before and after these time points, the S & P 500 index has declined, but it quickly rebounded and continued to rise.
let's take another look at the returns of IUL procts linked to the dividend payout of the S & P 500 index (as shown in the figure below). During the decade when the S & P 500 index was lost (2001-2010), the returns of IUL procts were quite stable. Even in the case of sharp drop in the index around 2001 and 2008, IUL procts can guarantee a break even income of 0% (IUL procts promise break even income)
* the historical rate of return of IUL procts linked to the dividend payout of S & P 500 index
in addition, if we use the data of S & P 500 index in the past 50 years, if we start to participate in the market for 20 years at any time, the average annual return can reach about 7%. Therefore, IUL procts are linked to the S & P 500 index, so proct owners do not have to worry about the situation that the economic crisis will cause the index to fall sharply all the year round, which will affect the insurance policy and cause the insufficient cash value in the insurance policy to make the insurance policy invalid
2 will the bull market continue
the bull market of US stocks has lasted for eight years, but for investors, the future trend of US stocks is more concerned
there is a famous saying on Wall Street - "eight years ago, by the central bank, eight years later, by trump". After Trump came to power, the US stock market saw opportunities. As of the close of March 10, the annual return of the S & P 500 index was as high as 17.33%, and the increase of Trump's contribution after his election was as high as 11%<
at present, the market's views on US stocks are divided into two groups: one group thinks that the bull market is over and the correction is imminent; The other believes that once Trump's deregulation, tax cuts and infrastructure investment measures are truly implemented, and with the great development of science and technology, the US stock market will usher in another "Renaissance" development
analysts believe that in the short term, the US stock market correction is not impossible, but it is not the same as the end of the bull market< At present, there are three positive factors supporting the upward trend of US stocks:
1) compared with the historical level, the monetary policy of the US Federal Reserve is very loose< 2) American economy is full of vitality and science and technology are developing rapidly, but they haven't really proced chemical reaction and sparks to improve proctivity
3) if Trump's proposal to use tax breaks to encourage private enterprises to increase their spending is approved by Congress, the US economy will be greatly boosted in the long run
after Trump came to power, the 10-year break even inflation rate of the United States suddenly rose to 2.1% from 1.5% - 1.75% (the Fed's target is 2%) which is lower than the Fed's target for many years, indicating that Trump's policy has greatly increased the market's confidence in the United States in the next decade
the fundamental reason for the long-term slow development of the US stock market lies in its excellent economic fundamentals. In the nearly 30 years from the early 1980s to the 2008 financial crisis, the U.S. economy has developed steadily, with an annual GDP growth rate of about 4%, which is a relatively high level for developed countries like the United States
although the 2008 economic crisis has brought huge negative effects on the real economy and stock index of the United States, in recent years, with the stimulation of quantitative easing policy and the growth and development of Internet economy, all kinds of economic data in the United States have recovered, including consumer confidence index, non-agricultural employment rate, manufacturing data and housing prices. All kinds of economic data show that the US economy has come out of the crisis and is recovering slowly
the proct features of IUL enable it to get a certain return when the economy is improving, and when the economy is declining, it can also make use of the characteristics of the insurance platform to achieve breakeven. Therefore, IUL is a very good insurance proct regardless of the future development direction of the U.S. market.
the American life insurance instry is mature and developed, and the fully competitive market environment enables policy holders to enjoy excellent service at low cost. Many customers knew that the cost of insurance in Hong Kong was quite low, but they did not know that the cost of insurance in the United States was three times lower than that in Hong Kong
in the United States, insurance companies operating life insurance business are protected by the bankruptcy law of the United States. Insurance companies are not allowed to declare dissolution or bankruptcy at will. Poorly managed insurance companies can only be merged by other companies operating life insurance business, or taken over by the state government or the federal government. At the same time, the CIRC will audit the insurance company every quarter. If the solvency of the insurance company cannot reach 102%, the CIRC will intervene in advance
life insurance is an indispensable part in the tax planning of immigrants to the United States and the global asset allocation of non immigrants. Combining domestic and foreign tax information to configure insurance is an important part of our tax planning process. Now, make an overview analysis of life insurance procts in the United States< Term life insurance is the earliest and simplest type of insurance. This kind of insurance has a certain range of years, such as 10 years, 15 years, 20 years and 30 years. After the expiration of the insurance contract, the protection stops. If the insurance is renewed, the age of the insured will increase, and the premium will be very expensive
the premium of term life insurance is cheap, but it has no cash value, no function of saving and investment. This kind of insurance proct is very pure consumer insurance, which is most suitable for young people with limited budget
term life insurance
Life Insurance
2 life insurance whole life insurance
life insurance is valid until the death of the insured. After paying the fixed insurance cost, the remaining part of the premium paid by the insured will be converted into cash value. Insurance companies will pay dividends regularly according to the company's profitability, but the amount of dividends is not guaranteed. The cash value in the insurance will increase over time. However, if the insured wants to cancel the life insurance ahead of time, he can only get back a very limited cash value
the biggest problem of life insurance procts is that the dividend payment standard is not transparent, and the cash value is extremely difficult to use in life
3 universal life insurance
e to the lack of flexibility of life insurance, a new kind of life insurance universal life insurance came into being. Universal life insurance is similar to life insurance, and its coverage is all life. After paying the insurance cost, the remaining part of the premium will be invested in another account. However, the regulations of universal insurance are more flexible. There are no rigid regulations on the time and amount of payment, and only the minimum payment level is required. It also has the right amount of cash value that can be raised in the time needed
the return of universal life insurance is generally linked to the market interest rate. In the current low interest environment, the actual return of universal life insurance is generally lower than the expected rate of return
4 variable universal life insurance
investment universal life insurance evolved from universal life insurance. On the basis of universal life insurance, the concept of fund investment is added. Customers with investment experience can use the characteristics of the insurance proct to choose the fund portfolio that meets their risk expectations, so as to optimize their insurance return
however, for non professional investors, the investment function of this kind of procts is often like chicken ribs, which is no different from the traditional universal life insurance, and can not play its independent investment characteristics< Index universal life insurance is an improved proct in recent years
the investment income of the cash account of such procts does not refer to the market interest rate, nor to the operating conditions of insurance companies, but is based on the S & P 500; At the same time, insurance companies promise to keep the principal, the investment income will not be negative, and the principal will not be lost
this proct is the most advanced life insurance proct in the world at present. It achieves a good balance between high return and capital preservation, and is suitable for almost everyone< What index does IUL refer to
the operation mechanism of IUL is to put the total premium of customers after decting the basic expenses required for life insurance into the market. According to the regulations of the CIRC, 90% of the funds will be invested in non risk bonds, and the other 10% will be invested in the option trading market. Most companies refer to S & P 500; Index dividend, a small number of companies will refer to the global three index dividend. At the same time, IUL procts promise to break even. Therefore, the proct is more secure than the traditional universal life insurance
S & P 500 S & P 500 & P 174
it records a stock index of 500 listed companies in the United States, which can flexibly adjust the price changes caused by new equity subscription, share dividends and stock split, and the index value is more accurate
European Stoxx 50 & # 174
the market value weighted average index is composed of 50 super blue chips listed on the capital markets of 12 EU member countries, including France and Germany< The Hang Seng index takes 50 listed stocks in the Hong Kong stock market as the sample, and the weighted average stock price index with its circulation as the weight is the most influential stock price index reflecting the price trend of the Hong Kong stock market
Third, what is the risk of linked index
if the proct is linked to the index and the rate of return is affected by the rise and fall of the index, is the proct risky? This is the most concerned issue< According to the analysis of historical return data, the historical return on assets of the US stock market over the past 200 years shows that, on the whole, the stock price of the US stock market shows an upward trend for a long time. The IUL procts mentioned above mainly refer to the S & P 500 index of the United States. The figure below shows the trend of the return rate of the S & P 500 index of the United States in the past 20 years (1996-2016)
* in 1996 -2016 index change rate chart
from the above trend chart, we can see that in 2000, the Internet bubble, the Iraq war and the 911 incident, the 2007 subprime mortgage crisis, the 2008 stock market crash, before and after these time points, the S & P 500 index has declined, but it quickly rebounded and continued to rise.
let's take another look at the returns of IUL procts linked to the dividend payout of the S & P 500 index (as shown in the figure below). During the decade when the S & P 500 index was lost (2001-2010), the returns of IUL procts were quite stable. Even in the case of sharp drop in the index around 2001 and 2008, IUL procts can guarantee a break even income of 0% (IUL procts promise break even income)
* the historical rate of return of IUL procts linked to the dividend payout of S & P 500 index
in addition, if we use the data of S & P 500 index in the past 50 years, if we start to participate in the market for 20 years at any time, the average annual return can reach about 7%. Therefore, IUL procts are linked to the S & P 500 index, so proct owners do not have to worry about the situation that the economic crisis will cause the index to fall sharply all the year round, which will affect the insurance policy and cause the insufficient cash value in the insurance policy to make the insurance policy invalid
2 will the bull market continue
the bull market of US stocks has lasted for eight years, but for investors, the future trend of US stocks is more concerned
there is a famous saying on Wall Street - "eight years ago, by the central bank, eight years later, by trump". After Trump came to power, the US stock market saw opportunities. As of the close of March 10, the annual return of the S & P 500 index was as high as 17.33%, and the increase of Trump's contribution after his election was as high as 11%<
at present, the market's views on US stocks are divided into two groups: one group thinks that the bull market is over and the correction is imminent; The other believes that once Trump's deregulation, tax cuts and infrastructure investment measures are truly implemented, and with the great development of science and technology, the US stock market will usher in another "Renaissance" development
analysts believe that in the short term, the US stock market correction is not impossible, but it is not the same as the end of the bull market< At present, there are three positive factors supporting the upward trend of US stocks:
1) compared with the historical level, the monetary policy of the US Federal Reserve is very loose< 2) American economy is full of vitality and science and technology are developing rapidly, but they haven't really proced chemical reaction and sparks to improve proctivity
3) if Trump's proposal to use tax breaks to encourage private enterprises to increase their spending is approved by Congress, the US economy will be greatly boosted in the long run
after Trump came to power, the 10-year break even inflation rate of the United States suddenly rose to 2.1% from 1.5% - 1.75% (the Fed's target is 2%) which is lower than the Fed's target for many years, indicating that Trump's policy has greatly increased the market's confidence in the United States in the next decade
the fundamental reason for the long-term slow development of the US stock market lies in its excellent economic fundamentals. In the nearly 30 years from the early 1980s to the 2008 financial crisis, the U.S. economy has developed steadily, with an annual GDP growth rate of about 4%, which is a relatively high level for developed countries like the United States
although the 2008 economic crisis has brought huge negative effects on the real economy and stock index of the United States, in recent years, with the stimulation of quantitative easing policy and the growth and development of Internet economy, all kinds of economic data in the United States have recovered, including consumer confidence index, non-agricultural employment rate, manufacturing data and housing prices. All kinds of economic data show that the US economy has come out of the crisis and is recovering slowly
the proct features of IUL enable it to get a certain return when the economy is improving, and when the economy is declining, it can also make use of the characteristics of the insurance platform to achieve breakeven. Therefore, IUL is a very good insurance proct regardless of the future development direction of the U.S. market.
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