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    Home > Medical News > Medical World News > The correct way to open IRR-play insurance and financial management and avoid detours

    The correct way to open IRR-play insurance and financial management and avoid detours

    • Last Update: 2021-10-20
    • Source: Internet
    • Author: User
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    Insurance financing has recently become a social trend, but there are still a small number of people who really understand it


    Insurance financing has recently become a social trend, but there are still a small number of people who really understand it


    The reason is that in addition to the need to have considerable professional knowledge, the continuation of the current epidemic and the unstable economic environment have also made many people hesitate


    What is IRR? Simply put, it is the Internal Rate of Return (IRR)


    The first step: clarify why we conduct insurance financial management.


    Let's think about it rationally.


    As we all know, no market will never fluctuate.


    "Don't put eggs in a basket" is the golden rule that most consumers will consider when conducting differentiated asset management.


    We take Ping An Life’s "Jinrui Life 21 Insurance Product Plan" as an example, which is a model that writes customer benefits in black and white in the contract and pays insurance annuities to the beneficiaries on a regular basis to achieve a steady increase in wealth


    We take Ping An Life’s "Jinrui Life 21 Insurance Product Plan" as an example, which is a model that writes customer benefits in black and white in the contract and pays insurance annuities to the beneficiaries on a regular basis to achieve a steady increase in wealth


    For example, Jinrui Life 21 with a payment period of 10 years can receive a special survival benefit equivalent to 100% of the annual premium in the 5th-9th year, and 50% of the basic insurance amount in the 10-14th year.


    At the same time, based on the flexible model of "Jinrui Life 21" annuity + universal, in the case of stable annuity income, you can also choose to deposit the annuity in a universal account with a guaranteed interest rate and higher returns to achieve a more stable Wealth appreciation.


    "High" is the icing on the cake, and "stable" is the top priority


    "High" is the icing on the cake, and "stable" is the top priority


    To put it bluntly, the main purpose of buying insurance is to "respond to risks", even if it is insurance financing, it is also to deal with wealth risks


    Step 2: Correctly understand the IRR indicator Step 2: Correctly understand the IRR indicator Step 2: Correctly understand the IRR indicator

    First of all, we need to know: What is IRR?

    First, we need to know: What is IRR? First, we need to know: What is IRR?

    In the past, perhaps because IRR was expressed as a percentage of "3%", "5%, etc.


    In the past, perhaps because IRR was expressed as a percentage of "3%", "5%, etc.
    , and in general, the larger the value of IRR, the better.
    Both the form and the meaning to consumers, it is easy for people and the rate of return of investment.
    associate
    .
    but, in fact, IRR should be counted as yields 2.
    0 upgrade version, because it took into account the time value of the asset
    .
    the standard is defined as the present value of the total inflow of capital and capital flow appeared total value equal to the net present value (Net The discount rate when Present Value, NPV) is 0.
    From a mathematical point of view, it can be simply understood by the formula on the right: In the past, perhaps because IRR was expressed as a percentage of "3%", "5%, etc.
    , and in general The larger the value of IRR, the better.
    Both the form and the meaning to consumers are easy to associate with the rate of return of investment
    .
    However, in fact, IRR should be regarded as the 2.
    0 upgraded version of the rate of return, because it comprehensively considers the time value of assets
    .
    The standard definition is the discount rate when the total present value of capital inflows are equal to the total present value of capital flows, and the net present value (NPV) is 0.
    From a mathematical point of view, it can be simply understood by the formula on the right:

    For example:

    Let’s take an example: Let’s take an example:

    If calculated by the simple rate of return method, the results obtained by project A and project B are exactly the same, the total rate of return is 10%, and the average annual rate of return is 5%
    .

    If calculated by the simple rate of return method, the results obtained by project A and project B are exactly the same, the total rate of return is 10%, and the average annual rate of return is 5%
    .
    If calculated by the simple rate of return method, the results obtained by project A and project B are exactly the same, the total rate of return is 10%, and the average annual rate of return is 5%
    .

    But through the IRR indicator, considering the value of time,

    But through the IRR indicator, consider the value of time, but through the IRR indicator, consider the value of time,

    Looking directly at the figures for example, the IRR calculation is indeed more accurate than simply calculating the return on investment.
    It is not difficult to see why IRR is highly regarded by the public
    .

    Looking directly at the figures for example, the IRR calculation is indeed more accurate than simply calculating the return on investment.
    It is not difficult to see why IRR is highly regarded by the public
    .
    Looking directly at the figures for example, the IRR calculation is indeed more accurate than simply calculating the return on investment.
    It is not difficult to see why IRR is highly regarded by the public
    .

    But, can it be used as a panacea for asset allocation evaluation? Obviously it won't work
    .
    Let's take another example to visualize it:

    But, can it be used as a panacea for asset allocation evaluation? Obviously it won't work
    .
    Let's take another example to visualize it: But can it be used as a panacea for asset allocation evaluation? Obviously it won't work
    .
    Let's take another example to visualize it:

    Parents divide the inheritance, give the eldest son a house + 100,000 cash, and give the second son 1 million cash, how to evaluate whether the parents are fair?

    Parents divide the inheritance, give the eldest son a house + 100,000 cash, and give the second son 1 million cash.
    How to evaluate whether the parents are fair? Parents divide the inheritance, give the eldest son a house + 100,000 cash, and give the second son 1 million cash.
    How to evaluate whether the parents are fair?

    We only compare the cash flow obtained by the two and ignore the property.
    Whether this situation is comparable is self-evident.

    We only compare the cash flow obtained by the two and ignore the property.
    Whether this situation is comparable is self-evident.
    We only compare the cash flow obtained by the two and ignore the property.
    Is there such a situation? Comparability speaks for itself

    Subdivided further, whether the eldest son’s house is a first-tier city real estate or a self-built building in Shangou will seriously affect the assessment results.

    Subdivided again, whether the eldest son’s house is a first-tier city property or a self-built building in Shangou will seriously affect the assessment results.

    If you also consider the transfer of the house and the time when the money arrives, the result may be different.

    If you also consider the transfer of the house and the time for the money to arrive, the result may be different.
    If you also consider the time for the transfer of the house and the time for the money to arrive, the result may be different.

    If we start from demand again, the eldest son needs to be stable to get a family, so parents give real estate, and the second son needs working capital to start a business, so parents give money, which will seriously affect the evaluation result.

    If we start from the demand, the eldest son needs to be stable to get a family, so parents give real estate, and the second son needs working capital to start a business, so the parents give money, which will seriously affect the evaluation results .
    The second son needs working capital to start a business, so the grant of funds by the parents will seriously affect the evaluation results.

    It is not difficult to see that in an ideal state, NPV and annual income can be quantified and IRR can be easily evaluated
    .
    But in most cases, NPV may not only be a quantitative number, we also need to consider our own perceptual needs and other values ​​of investment.
    In addition, we often face many unclear conditions when investing, and the results may seriously deviate from reality
    .
    Deduced from this to our evaluation of insurance, IRR needs to be considered with NPV in order to better evaluate the value of an investment
    .

    It is not difficult to see that in an ideal state, NPV and annual income can be quantified and IRR can be easily evaluated
    .
    But in most cases, NPV may not only be a quantitative number, we also need to consider our own perceptual needs and other values ​​of investment.
    In addition, we often face many unclear conditions when investing, and the results may seriously deviate from reality
    .
    Deduced from this to our evaluation of insurance, IRR needs to be considered with NPV in order to better evaluate the value of an investment
    .
    It is not difficult to see that in an ideal state, NPV and annual income can be quantified and IRR can be easily evaluated
    .
    But in most cases, NPV may not only be a quantitative number, we also need to consider our own perceptual needs and other values ​​of investment.
    In addition, we often face many unclear conditions when investing, and the results may seriously deviate from reality
    .
    Deduced from this to our assessment of insurance, IRR needs to be considered with NPV in order to better evaluate the value of an investment
    .

    Step 3: Use IRR to assess insurance

    Step 3: Use IRR to evaluate insurance.
    Step 3: Use IRR to evaluate insurance.
    Step 3: Use IRR to evaluate insurance.

    It is important to know that if annuities or similar types of insurance simply look at the rate of return, they may be crushed by countless other financial management methods
    .
    Therefore, considering the function and significance of insurance, the characteristics of annuity insurance are special funds, safety and stability, guaranteed return on capital and even flexible withdrawal
    .
    Let’s take Ping An Life’s "Jinrui Life 21" as an example:

    It is important to know that if annuities or similar types of insurance simply look at the rate of return, they may be crushed by countless other financial management methods
    .
    Therefore, considering the function and significance of insurance, the characteristics of annuity insurance are special funds, safety and stability, guaranteed return on capital and even flexible withdrawal
    .
    Let's take Ping An Life's "Jinrui Life 21" as an example: you must know that if annuities or similar types of insurance simply look at the rate of return, they may be crushed by countless other financial management methods
    .
    Therefore, considering the function and significance of insurance, the characteristics of annuity insurance are special funds, safety and stability, guaranteed return on capital and even flexible withdrawal
    .
    Let’s take Ping An Life’s "Jinrui Life 21" as an example:

    First of all, it is the most important "security and stability"
    .
    In addition to the annuity income that won't change in the contract, its universal settlement interest rate has been high and stable for many years
    .

    First of all, it is the most important "security and stability"
    .
    In addition to the annuity income that won't change in the contract, its universal settlement interest rate has been high and stable for many years
    .
    First of all, it is the most important "security and stability"
    .
    In addition to the annuity income that won't change in the contract, its universal settlement interest rate has been high and stable for many years
    .
    "safe and stable"

    Secondly, it has the advantage of achieving steady growth through compound interest appreciation , which spans the economic cycle
    .

    Secondly, it has the advantage of achieving steady growth through compound interest appreciation , which spans the economic cycle
    .
    Secondly, it has the advantage of achieving steady growth through compound interest appreciation , which spans the economic cycle
    .
    Steady growth

    Also it can be used as a special fund to meet pension, education payments, deposit control, even Death Benefit wealth inheritance and other features
    .

    Also it can be used as a special fund to meet pension, education payments, deposit control, even Death Benefit wealth inheritance and other features
    .
    Also it can be used as a special fund to meet pension, education payments, deposit control, even Death Benefit wealth inheritance and other features
    .
    Satisfy pensions, education funds, control savings, death protection and even wealth inheritance, etc.

    Universal accounts can be withdrawn flexibly.
    Both insurance policies and universal accounts can support loans up to 80% of the current price, without affecting protection and facilitating capital turnover , which is not available in many financial instruments
    .

    Universal accounts can be withdrawn flexibly.
    Both insurance policies and universal accounts can support loans up to 80% of the current price, without affecting protection and facilitating capital turnover , which is not available in many financial instruments
    .
    Universal accounts can be withdrawn flexibly.
    Both insurance policies and universal accounts can support loans up to 80% of the current price, without affecting protection and facilitating capital turnover , which is not available in many financial instruments
    .
    Cash flow

    It can be supplemented with mild illness protection to provide more health protection
    .

    It can be supplemented with mild illness protection to provide more health protection
    .
    It can be supplemented with mild illness protection to provide more health protection
    .
    More health protection
    .

    From "Jinrui Life 21", it is not difficult to see that the function and value of an annuity insurance is by no means limited to the single level of interest rate.
    It is as small as the difference in coverage, and large enough to affect the strength of the company's investment team that will effectively affect the annualized interest rate.
    , The company strategy is different, these prerequisites that will affect the results, in most cases, are not the same
    .

    From "Jinrui Life 21", it is not difficult to see that the function and value of an annuity insurance is by no means limited to the single level of interest rate.
    It is as small as the difference in coverage, and large enough to affect the strength of the company's investment team that will effectively affect the annualized interest rate.
    , The company strategy is different, these prerequisites that will affect the results, in most cases, are not the same
    .
    From "Jinrui Life 21", it is not difficult to see that the function and value of an annuity insurance is by no means limited to the single level of interest rate.
    It is as small as the difference in coverage, and large enough to affect the strength of the company's investment team that will effectively affect the annualized interest rate.
    , The company strategy is different, these prerequisites that will affect the results, in most cases, are not the same
    .

    Of course, this is not to say that paying attention to interest rates is not good, because using IRR can really help us make better choices.
    For example, take a 40-year-old woman, a universal mid-range, the same investment and payback period as an example, in the stability of universal income Among the excellent products in the same category, "Jinrui Life 21" is still a leader in revenue
    .

    Of course, this is not to say that paying attention to interest rates is not good, because using IRR can really help us make better choices.
    For example, take a 40-year-old woman, a universal mid-range, the same investment and payback period as an example, in the stability of universal income Among the excellent products in the same category, "Jinrui Life 21" is still a leader in revenue
    .
    Of course, this is not to say that paying attention to interest rates is not good, because using IRR can really help us make better choices.
    For example, take a 40-year-old woman, a universal mid-range, the same investment and payback period as an example, in the stability of universal income Among the excellent products in the same category, "Jinrui Life 21" is still a leader in revenue
    .

    After all, insurance is surnamed insurance, not only for its attributes but also for its advantages different from other financial instruments
    .
    We all know that high returns often accompany high risks.
    Therefore, whether income is the first or steady progress is based on the real needs of consumers before it is meaningful to continue analysis
    .
    The IRR if properly used, it can better help consumers make choices to meet the actual needs, can use once they are wrong, it is easy to go astray because of false data
    .

    After all, insurance is surnamed insurance, not only for its attributes but also for its advantages different from other financial instruments
    .
    We all know that high returns often accompany high risks.
    Therefore, whether income is the first or steady progress depends on the real needs of consumers before it is meaningful to continue analysis
    .
    The IRR if properly used, it can better help consumers make choices to meet the actual needs, can use once they are wrong, it is easy to go astray because of false data
    .
    After all, insurance is surnamed insurance, not only for its attributes but also for its advantages different from other financial instruments
    .
    We all know that high returns often accompany high risks.
    Therefore, whether income is the first or steady progress depends on the real needs of consumers before it is meaningful to continue analysis
    .
    The IRR if properly used, it can better help consumers make choices to meet the actual needs, can use once they are wrong, it is easy to go astray because of false data
    .
    If IRR is used correctly, it can better help consumers make choices that meet actual needs, but once it is used incorrectly, it is easy to go astray due to fake data
    .

    The rapid development of China's insurance industry has attracted worldwide attention.
    Extensive operations inevitably gave birth to barbaric growth, but this is the inevitable trend of the times.
    As long as our consumers understand and understand the mystery earlier, it will accelerate from the demand side.
    Change the quality on the supply side
    .
    Therefore, it can also be said that IRR's face-to-face comparison has caused misleading to consumers, but it is by no means a purely bad thing, because this may be a brand new opportunity for consumers to awaken their thinking
    .

     

    The rapid development of China's insurance industry has attracted worldwide attention.
    Extensive operations inevitably gave birth to barbaric growth, but this is the inevitable trend of the times.
    As long as our consumers understand and understand the mystery earlier, it will accelerate from the demand side.
    Change the quality on the supply side
    .
    Therefore, it can also be said that IRR's face-to-face comparison has caused misleading to consumers, but it is by no means a purely bad thing, because this may be a brand new opportunity for consumers to awaken their thinking
    .
    The rapid development of China's insurance industry has attracted worldwide attention.
    Extensive operations inevitably gave birth to barbaric growth, but this is the inevitable trend of the times.
    As long as our consumers understand and understand the mystery earlier, it will accelerate from the demand side.
    Change the quality on the supply side
    .
    Therefore, it can also be said that IRR's face-to-face comparison has caused misleading to consumers, but it is by no means a purely bad thing, because this may be a brand new opportunity for consumers to awaken their thinking
    .

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