Hu Xijin, who made a steady profit of 230,000 yuan with a principal of 180,000 yuan and withdrew 410,000 yuan at one time, what did he do right? Is his way of managing money really suitable for ordinary people?
Recently, big V Hu Xijin posted an article about his experience of buying insurance. 20 years ago, he was "fooled" by a friend into buying a savings insurance, and invested it for 15 consecutive years, with a total of 180,000 principal, but he accidentally hit it and now took out 410,000 at one time! This made Lao Hu call it very worthwhile, and also said that he would put some of the money into the savings insurance in the future.
To be honest, now that the stock market and property market are in recession, it is also becoming a new financial trend to change to savings insurance with more stable onshore income to maintain and increase the value of the stock market like Lao Hu.
After analyzing, like the savings insurance that Lao Hu bought back then, it is quite like the increased life that many middle-class families are buying now, and the increased life is also a kind of savings insurance, and the core advantage is that it can directly lock in the predetermined interest rate to ensure that the income in the next few decades will not be affected by the market. In other words, the higher the predetermined interest rate you lock in now, the more you will gain in the future.
This is also why, many people have recently seen the news of the Financial Associated Press: #部分险企将于6月底停售3.0% increase in life#, and will be listed in July 2.75% predetermined interest rate products are in a hurry to get on the bus. Because by June 30, there are less than 4 days left, who can not be in a hurry.
To put it bluntly, interest rate cuts are the general trend, and it is safest to get the predetermined interest rate increase of 3.0% now. Don't underestimate the adjustment of only 0.25%, the same 1 million principal, the predetermined interest rate of 3.0% and 2.75%, can be 170,000 yuan in 30 years, which is equivalent to the income of ordinary people who work hard for two or three years.
has spare money in hand, and can't find other suitable value-added channels for the time being, Lao Hu also said that there are many good products on Alipay. I recommend you to go to Alipay to search for "increased life" to see, like myself, I bought version 2.0 of Anwenying and increased lifetime life on Alipay. The reason for this is also very simple, it can directly write the 3.0% predetermined interest rate into the contract in black and white to ensure rigid payment.
I calculated, like a one-time investment of 500,000 yuan at the age of 30 to buy a stable profit, at a predetermined interest rate of 3.0%, when the age of 55 is about to retire, the money in the account has more than doubled, and I can get more than 1 million. The longer you save, the more you can continue to double. Its cash proceeds are considered to be the first tier of its kind.
Moreover, there is also the double protection of Alipay platform and state-owned enterprise holding insurance company, plus the insurance threshold is very low, 100 yuan minimum investment, emergency can also be flexibly withdrawn, very suitable for ordinary people to do family asset planning, the money saved can not only be used as a pension supplement, but also take into account the children's future study abroad and entrepreneurship needs for money, quite reliable.
In a big market like 2024, do you have a better way to save money steadily? Feel free to share your financial story!
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