Insurance Companies Play A &Nbsp Of Earnings Trump Card; Experts Recommend Buying Star Insurance.

In the past 2009, the Shanghai Composite Index (SSE) rose nearly 80% of the market. Compared with other companies, many of the companies' investment linked insurance products were "fiasco".

And just as investors are prepared to "hate" abandoned, even higher than the star fund even "Star" investment linked insurance products played a handsome income trump card.

According to the report of State Securities (600109, stock bar), the annual cumulative earnings of all kinds of accounts linked to insurance investment in 2009 obviously ran out of the stock market, but the annual average yield of the stock account with the most radical style and the highest correlation with the stock market was 54.42%.

What surprises the market even more is that there is a big difference between the top and the bottom.

According to statistics, Taikang Life's aggressiveness linked account reached 136.63% last year, which has won the market in both rising and falling markets.

In the past two years, the total income of the account has reached 80.61%, and now it has reached 11.1849 yuan. In January 30, 2003, when it was reopened in December 14, 2009, the net value increased 10 times in less than 7 years.

Through querying historical data, reporters also found that the account also showed good resilience.

In October 26, 2007, the net value of aggressive accounts was 5.3308 yuan, the Shanghai Composite Index closed at 5589.63 points, to October 31, 2008, the net value of aggressive accounts was 4.3301 yuan, and the Shanghai Composite Index closed 1728.79 points on that day.

In the bear market for a long year, the Shanghai Composite Index hit 69%, while aggressive accounts only lost 18%.

In the 2009 annual performance analysis of investment linked insurance industry, which was compiled by state securities last year, it was found that in the aggressive account, the highest yield of the Taikang Life investment linked account and the aggressive investment account 25.66% of union life's investment account were quite different.

In fact, various types of investment linked insurance accounts are usually divided by investment style. Stock type, mixed partial stock type, flexible configuration account and positive growth account for four kinds of accounts, which have a higher correlation with stock market volatility, and the rest accounts are less correlated, so they can not compare with aggressive accounts in terms of yield or inflation.

Recently, the aggressive account of Taikang began to accept external applications 4 years ago after its closed operation for over two years.

Investors can complete the whole process of insurance risk assessment, fill in insurance information, confirm policy, pay premiums, and obtain insurance policies through the investment link product of E finance B of Taikang online.

In addition, the account is specially designed to set up a currency hedge account. It can convert 5 times between two accounts in one year.

Experts suggest that for a family or individual investor who has more comprehensive and superior conditions, investment linked insurance, especially the star products, may bring excess returns, which is suitable for long-term investors with strong risk tolerance.

The best way to pay the investment is to pay monthly payment. This way of financing can set the cost and meet the investment philosophy of investment linked insurance.