Will China Life Guangyuan 366 lose money?

China Life Guangyuan 366 is a personal old-age security management product, which does not promise capital preservation or minimum expected income.

Its net value changes every day, similar to fund products, and the specific rise and fall is related to market funds. Historically, the annualized net growth rate of China Life Guangyuan 366 has been stable at around 4.5% in the past three months, and the expected income is relatively stable.

How likely is China Life Guangyuan 366 to lose money?

From the perspective of risk level, China Life Guangyuan 366 is a low-risk wealth management product with low loss probability and lower risk than bond funds.

Bond funds are medium-risk products, and the possibility of long-term investment losses is small, but the net value of funds will fluctuate in the short term, and short-term holdings may lose money. Relatively speaking, it is unlikely that China Life Guangyuan 366 will lose money.

From the investment direction, China Life Guangyuan 366 mainly invests in money market instruments, fixed expected income products and other alternative investment products. Money market instruments are mostly certificates of deposit and central bank bills. The expected returns of these types of investments are relatively stable and the security is not low, so the risk of China Life Guangyuan 366 is not high.

Based on the above analysis, China Life Guangyuan 366 does not break even, but it is unlikely to lose money, so investors need not worry too much. Warm reminder, financial management is risky and investment needs to be cautious.

Insurance means safety and reliability; Later, it was extended to a guarantee mechanism, a tool for planning life finance, a basic means of risk management under the condition of market economy, and an important pillar of financial system and social security system.

Insurance refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of paying the insurance premium for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.

From the perspective of economics, insurance is a financial arrangement to share the loss of accidents; From the legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for losses; From a social point of view, insurance is an important part of the social and economic security system and a "subtle stabilizer" for social production and social life. From the perspective of risk management, insurance is a method of risk management.

Insurable value

Insurable value is the actual value of the subject matter insured. According to China's Insurance Law, if the insured and the insurer have an agreement on the insured value of the subject matter insured and specify it in the contract, when the subject matter insured suffers losses, the agreed insured value shall be taken as the compensation calculation standard.

If the insured and the insurer have not agreed on the insured value of the subject matter insured, when the subject matter insured suffers losses, the actual value of the subject matter insured at the time of the insured accident shall be taken as the compensation calculation standard.