If you surrender in the first year, you will lose money if you don't guarantee the principal. The following year, the headmaster didn't come back.

In the third year, it is close to the principal, and it can only be earned in the fourth year, but it is very small.

Dividend-paying products will be slightly more formal than banks if they are held for more than 5 years (provided that the company's annual income is high, otherwise customers need to continue to hold them)

Because dividends are uncertain.

Every 1 000 yuan, the income after five years is 200-800 yuan, which may not be as high as the bank interest rate.

If you pay in advance, it depends on the payment period.

Also, the company's dividend is not necessarily good, and sometimes small companies are also good, which can only depend on the company's annual operation. Although 70% of the operating income of insurance companies is returned to customers, if the company's income is not good, 70% may not reach the bank interest rate level.

Bank insurance is not suitable for short-term financial management, and the slogan of short-term financial management is venture capital.