[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2023101909071968703":3,"related-JP2023101909071968703":33},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"fileInputUrl":11,"articleTitle":12,"coverImage":13,"listImage":14,"introduction":15,"description":16,"nonVipDescription":17,"postTime":18,"viewTime":19,"sortNumber":20,"isFree":21,"isShowList":7,"isRecommend":21,"linkType":7,"isOriginal":6,"hasMiniUrl":21,"miniUrl":11,"miniScheme":11,"miniImage":11,"itemTag":11,"createBy":22,"updateBy":23,"createTime":24,"visitCount":25,"isLiked":21,"realSearch":26,"isRead":21,"productId":27,"isCollected":21,"collectCount":7,"vipExclusive":21,"allowComment":7,"style":28,"likeCount":7,"filePath":11,"duration":21,"playStyle":7,"seoKeywords":11,"articleModuleVoList":29,"extendContentList":30,"noteCount":7,"categoryList":31,"dailyKeywordList":32},10,5850,"1",1,"JP2023101909071968703","1041018",3,"","3 个「稳住」钱袋子的产品，有的赚了 6%","https:\u002F\u002Fimage.jane7.com\u002F3375725c-d389-414b-8026-187a459f2892.png","https:\u002F\u002Fjane7-prod.oss-cn-hangzhou.aliyuncs.com\u002Fmanager\u002Farticle_default_img.png","储蓄险科普","\u003Csection>\n \u003Csection>\n  \u003Csection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: arial, helvetica, sans-serif;\">晚上好~我是简保君。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">昨晚跟朋友吃饭，朋友在平台上花了198元团购了三人火锅套餐。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">这家火锅店，我2021年来过，当时俩人吃一顿得400多元。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">时隔两年，人均价格从200元出头，降到了66元；味道还是很好，吃的也挺饱，不过我和朋友却隐隐为这家店担忧。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">虽然这家火锅店是老字号，出餐水平稳定，回头客不少；但在周围隔壁七八家餐馆都倒闭时，它还能坚挺多久，不好说。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">另外，身边很多朋友，今年都开始「精打细算」了，相比于外食，在家买食材和底料能省一半，叫朋友来家里吃饭的情况越来越多了。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">今年，大家默契地都选择了「消费降级」的保守策略。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">饭间朋友说，现在存款利息还没余额宝高，你们有什么存钱的好途径？\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">其实，从前两年存款利率连续下调，到今年的「跨城存款」，再到利率连降仍然不减存款热情，就能看出大家的选择了——\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">还是要稳一点，要省钱，要攒钱。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">今天也借由这个话题，帮大家梳理一下，除了存款，还有哪些存钱思路。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important; cursor: text; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; font-size: var(--articleFontsize); letter-spacing: 2px; text-align: center;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fc43a2768-ad44-4741-9e24-46d1edcc15ff.jpg\" alt=\"图片\">\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:center; max-inline-size: 100%; margin: 0px 16px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #d6a841; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #d6a841; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">01 储蓄险\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Csection>\n     \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; clear: both; min-height: 1em; cursor: text; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003C\u002Fspan>\u003C\u002Fp>\n    \u003C\u002Fsection>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important; cursor: text; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">这里说的储蓄险大致可以分成两类：\u003C\u002Fspan>\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">养老年金和增额终身寿险\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">另外还有一种叫做长期护理险。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">长期护理险的本意指的是，国家针对失能老年人，需要长期照护时提供护理费或护理服务的保险。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">比如，晚年生病在床、生活无法自理或受限时，就可以申请失能护理，在享受完护理服务后，用长护险对护理费用进行报销。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">不过，\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">现在市面上许多长护险，本质上都是增额寿附加了护理责任\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">所以，也被归为了储蓄险。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">无论是养老年金，还是增额终身寿，亦或者是披着长护险外套的增额寿；它们都能满足「保证兑付」这一特点。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">这类产品是以人的寿命为保障标的，根据保险法规定，其金融安全属性是第一档，即使是所购买的保险公司破产、重组、收购、接管等都不会影响兑付。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">目前，\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">增额寿尖子生产品可以做到复利2.8%~2.9%，但无法突破3%\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px;            caret-color: #ff0000; text-decoration-thickness: initial;   max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">养老年金的收益水平与被保人寿命相关性比较大，\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">以60岁开始领取，领到80岁来测算，复利可以做到3.2%~3.3%\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: #333333; color: #888888; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: arial, helvetica, sans-serif;\">（具体收益需要参考产品、被保人投保年龄和缴费方式等因素，有需要的朋友可以添加助手免费测算：jane7bz13）。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important; cursor: text; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; font-size: var(--articleFontsize); letter-spacing: 2px; text-align: center;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F9422133b-32fa-40a5-9e1d-56ae9316ee74.jpg\" alt=\"图片\">\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Csection>\n     \u003Cp style=\"text-align:center;max-inline-size: 100%; margin: 0px 16px; padding: 0px; clear: both; min-height: 1em; cursor: text; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #d6a841; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #d6a841; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">02 分红险\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003C\u002Fsection>\n    \u003Csection>\n     \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; clear: both; min-height: 1em; cursor: text; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; text-indent: 0em; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003C\u002Fspan>\u003C\u002Fp>\n    \u003C\u002Fsection>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; text-indent: 0em; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">在储蓄险7月份大调整后，市场上出现了一些关于「分红型储蓄险」的声音。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; text-indent: 0em; font-size: 16px;font-family: arial, helvetica, sans-serif;\">相比于传统的储蓄险，分红型储蓄险在选择逻辑上有着本质不同。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important; cursor: text; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; text-indent: 0em; font-size: 16px;font-family: arial, helvetica, sans-serif;\">1）分红险有机会博取更高收益。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; text-indent: 0em; font-size: 16px;font-family: arial, helvetica, sans-serif;\">分红险的收益是由两部分组成的：\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">保证收益和浮动收益部分\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; text-indent: 0em; font-size: 16px;font-family: arial, helvetica, sans-serif;\">目前\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">内地分红险头部产品可以做到复利3.59%，不过这里面只有2.3%是保证收益，1.29%来自分红演示部分\u003C\u002Fstrong>；\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; text-indent: 0em; font-size: 16px;font-family: arial, helvetica, sans-serif;\">前些年，对于分红演示，保险公司一般会分高、中、低三档；\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; text-indent: 0em; font-size: 16px;font-family: arial, helvetica, sans-serif;\">这两年改革后，\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">演示的红利分配比例统一调整为70%\u003C\u002Fstrong>，数据上可以让我们更直观地做参考。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important; cursor: text; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; text-indent: 0em; font-size: 16px;font-family: arial, helvetica, sans-serif;\">2）需要考虑保险公司的投资水平。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; text-indent: 0em; font-size: 16px;font-family: arial, helvetica, sans-serif;\">与传统储蓄险直接选收益最高的产品有所不同，在选择分红险时，分红的浮动收益部分与保险公司的投资水平直接挂钩；\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; text-indent: 0em; font-size: 16px;font-family: arial, helvetica, sans-serif;\">所以，\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">除了产品本身过硬，我们还需要参考背后保险公司的投资水平、偿付充足率、过往分红达成率等要素\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; text-indent: 0em; font-size: 16px;font-family: arial, helvetica, sans-serif;\">总结一下，分红险这类产品，向上有机会博取更高收益，向下有保底收益能托底；\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; text-indent: 0em; font-size: 16px;font-family: arial, helvetica, sans-serif;\">在整体投资行情低落的今天，反倒成为一个不错的选择。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important; cursor: text; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; text-indent: 0em; font-size: var(--articleFontsize); text-align: center; letter-spacing: 2px;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F763c1378-6e08-4cb3-963b-f61f23866dd2.jpg\" alt=\"图片\">\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Csection>\n     \u003Cp style=\"text-align:center;max-inline-size: 100%; margin: 0px 16px; padding: 0px; clear: both; min-height: 1em; cursor: text; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #d6a841; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #d6a841; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">03 香港储蓄险\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003C\u002Fsection>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important; cursor: text; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; text-indent: 0em; font-size: 16px;font-family: arial, helvetica, sans-serif;\">最后要分享的是，很多朋友都听说过，但缺少深入了解机会的：\u003C\u002Fspan>\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; text-indent: 0em; font-size: 16px;font-family: arial, helvetica, sans-serif;\">香港保险\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; text-indent: 0em; font-size: 16px;font-family: arial, helvetica, sans-serif;\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">实际上，香港储蓄险这些年一直在做的基本都是分红型产品：\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important; cursor: text; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">投资者与保险公司共享成果，共担风险。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">但香港储蓄险跟内地储蓄险分红型也有着两个很大区别：\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; background-color: #ffdaa9; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; background-color: #ffdaa9; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">1）收益更高，保底更低。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">用户到手的储蓄险收益由两部分组成：\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">保底收益+分红收益\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">内地的产品，目前大多有2%以上的保底水平；但香港储蓄险大多只有1%的保底收益。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important; cursor: text; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">不过，内地分红险的最终收益很难突破3.6%，与之对应的香港储蓄险，\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: #d6a841; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">最高收益却可以达到6%~7%\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">同样是储蓄险，为什么香港就能高出不少呢？\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important; cursor: text; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">原因就在\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; background-color: #ffdaa9; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; background-color: #ffdaa9; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">分红收益\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">上。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">内地保险公司投资的大多是国内的基金、债券等，\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">大约占总投资资金的70%-80%；权益类投资最高只能占总投资资金的20%-30%\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">香港的保险公司，可以投资的范围就大多了。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">从地域上来看，欧洲、美国等都能投；从投资品的角度看，股市、债券、私募等都能投。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important; cursor: text; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">香港保险的固收类资产占比一般在25%~35%，\u003C\u002Fspan>\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: #333333; color: #d6a841; font-size: 16px;font-family: arial, helvetica, sans-serif;\">权益类资产最高占比可达70%~85%\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">投资赚得多，分给用户的分红也就多了。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important; cursor: text; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">说两家港险龙头保司的例子：\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">保诚的隽X，固收类占30%，股票类占70%。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">友邦的盈X2，固收类占25%-100%；权益类占0%-75%。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">资金体量大，资金使用期长，投资种类多，又是在一套成熟的金融体系下由专业投资人士来做这件事；所以香港保险的收益自然高得多。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">但6-7%的收益并不是保证的，\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">得看市场行情和香港保险公司实际的投资水平\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">如果碰上市场不好，回报率也会低一些。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">举个例子，假设港险产品A的保底收益1%，分红收益5%；\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important; cursor: text; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">在20年之前，市场行情好，保险公司投资赚的多，分红达成率基本在100%~130%之间；取个中间值\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: #333333; color: #888888; font-size: 14px; outline: none 0px !important;font-family: arial, helvetica, sans-serif;\">（115%）\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">，收益是6.75%\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: #333333; color: #888888; font-size: 14px;font-family: arial, helvetica, sans-serif;\">（保底1%+分红5%*分红实现率115%）\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important; cursor: text; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">而在21年、22年，全球经济都走下坡路时，保险公司自身投资收益也下降了，分红达成率基本在92%~98%之间；取个中间值\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: #333333; color: #888888; font-size: 14px; outline: none 0px !important;font-family: arial, helvetica, sans-serif;\">（95%）\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">，收益就变成了5.75%\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: #333333; color: #888888; font-size: 14px;font-family: arial, helvetica, sans-serif;\">（保底1%+分红5%*分红实现率95%）\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">分红受市场波动的影响，保险公司每年都会披露上一年度的分红达成率，如果分红达成率太低，也会被监管强制性调低分红收益，这样一来，在产品宣传层面也是不利的。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">因此，分红达成率相当于保险公司的隐形KPI。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px;      text-indent: 0em;      caret-color: #ff0000; text-decoration-thickness: initial;   max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; background-color: #ffdaa9; font-size: 16px;font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; background-color: #ffdaa9; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">2）适合多币种资产配置。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">香港储蓄险可以用美元、英镑、欧元、澳元、港币、新币等多币种计价，也是很多家庭\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">做汇率对冲、多币种资产配置的一环\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">如果未来有明确的币种需求，那么在投保时可以有一定的侧重。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px;      text-indent: 0em;      caret-color: #ff0000; text-decoration-thickness: initial;   max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">举个例子，老王计划5年后送儿子去美国留学，那么可以买一份美元保单；\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">这样，在未来孩子要用钱时，可以减保领取美元。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">而如果老王家没有海外用钱的地方，就需要多考虑一些\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">「汇率因素」\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">比如，今天人民币需要7.312元才能兑换1美元，假设趸交一份1万美元的保单，成本是7.312万元人民币；\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">以每个保单周年增长5%来计算，5年后保单现价为12155美元；\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">而如果，此时人民币汇率上涨至，6.7元人民币兑1美元；\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">那么，这份保单能兑出人民币81438元，实际收益只有8319元。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">因此，\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">汇率波动也是我们在配置港险时，需要注意的一点\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">最后，用一张图来总结这3类产品的保底收益和最高收益。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:center; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F065d9e41-54d6-41d6-b4be-14718a41450f.jpg\" alt=\"图片\">\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">关于这3类产品的特点和背后的投资逻辑，先在这里简单跟大家做个分享。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">落到实操中，其实还有不少具体问题——\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cblockquote style=\"max-inline-size: 100%; margin: 0px 16px; padding: 4px 0px 0px 10px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; border-left: 3px solid #dbdbdb; color: var(--weui-FG-1);      text-indent: 0em;      caret-color: #ff0000; background-color: #ffffff; text-decoration-thickness: initial;   font-size: 15px; max-width: 100%; letter-spacing: 0.544px; text-align: justify; line-height: 2em;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\n     \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; max-width: 100%; text-indent: 0em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: #333333; color: #888888; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: arial, helvetica, sans-serif;\">如何在一堆相似产品中选出收益最高的那个？\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; max-width: 100%; text-indent: 0em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: #333333; color: #888888; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: arial, helvetica, sans-serif;\">自己的家庭情况究竟适合哪一类产品？\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; max-width: 100%; text-indent: 0em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: #333333; color: #888888; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: arial, helvetica, sans-serif;\">如何评估一家保险公司的投资能力？\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; max-width: 100%; text-indent: 0em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: #333333; color: #888888; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: arial, helvetica, sans-serif;\">怎样了解保险公司的分红达成率？\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; max-width: 100%; text-indent: 0em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: #333333; color: #888888; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: arial, helvetica, sans-serif;\">想买香港产品需要做哪些准备？\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; max-width: 100%; text-indent: 0em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: #333333; color: #888888; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: arial, helvetica, sans-serif;\">...\u003C\u002Fspan>\u003C\u002Fp>\n    \u003C\u002Fblockquote>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">由于文章篇幅有限，如果想进一步了解具体产品或系统学习思路，欢迎参加我们的\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%;\">「4天储蓄险实操营」\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: 0px; cursor: text; max-width: 100%; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 16px;font-family: arial, helvetica, sans-serif;\">感兴趣的朋友，扫描下方二维码，提前锁定席位~\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: #ff0000; text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:center; max-inline-size: 100%; margin: 0px 16px; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); text-decoration-thickness: initial; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F23648917-fd67-433b-90a5-f459bb442589.jpg\" alt=\"图片\">\u003C\u002Fp>\n    \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-size: 17px; letter-spacing: 0.544px; text-decoration-thickness: initial; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003Csection>\n    \u003Cp>\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n  \u003C\u002Fsection>\n \u003C\u002Fsection>\n\u003C\u002Fsection>","\u003Csection>\u003Cp style=\"margin-right: 16px; margin-left: 16px; text-align: justify; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">晚上好~我是简保君。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-left: 16px; line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">昨晚跟朋友吃饭，朋友在平台上花了198元团购了三人火锅套餐。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">这家火锅店，我2021年来过，当时俩人吃一顿得400多元。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">时隔两年，人均价格从200元出头，降到了66元；味道还是很好，吃的也挺饱，不过我和朋友却隐隐为这家店担忧。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">虽然这家火锅店是老字号，出餐水平稳定，回头客不少；但在周围隔壁七八家餐馆都倒闭时，它还能坚挺多久，不好说。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">另外，身边很多朋友，今年都开始「精打细算」了，相比于外食，在家买食材和底料能省一半，叫朋友来家里吃饭的情况越来越多了。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">今年，大家默契地都选择了「消费降级」的保守策略。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">饭间朋友说，现在存款利息还没余额宝高，你们有什么存钱的好途径？\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">其实，从前两年存款利率连续下调，到今年的「跨城存款」，再到利率连降仍然不减存款热情，就能看出大家的选择了——\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">还是要稳一点，要省钱，要攒钱。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">今天也借由这个话题，帮大家梳理一下，除了存款，还有哪些存钱思路。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; font-size: var(--articleFontsize); letter-spacing: 2px; text-align: center; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fmmbiz_png\u002FAm8Qfs8miaLFP0y47k36rNGDhCM5HeemPTZzibYyT7q97SZBc8cEmoSejpfbhoCxlYgIzj9PyTM3oAzzaCIWbM5w\u002F640?wx_fmt=png\" alt=\"图片\"\u002F>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px 16px; text-align: center; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(214, 168, 65); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: rgb(51, 51, 51); box-sizing: border-box !important; overflow-wrap: break-word !important;\">01 储蓄险\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Csection>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; clear: both; min-height: 1em; cursor: text; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">这里说的储蓄险大致可以分成两类：\u003C\u002Fspan>\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); box-sizing: border-box !important; overflow-wrap: break-word !important;\">养老年金和增额终身寿险\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">另外还有一种叫做长期护理险。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">长期护理险的本意指的是，国家针对失能老年人，需要长期照护时提供护理费或护理服务的保险。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">比如，晚年生病在床、生活无法自理或受限时，就可以申请失能护理，在享受完护理服务后，用长护险对护理费用进行报销。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">不过，\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">现在市面上许多长护险，本质上都是增额寿附加了护理责任\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">所以，也被归为了储蓄险。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">无论是养老年金，还是增额终身寿，亦或者是披着长护险外套的增额寿；它们都能满足「保证兑付」这一特点。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">这类产品是以人的寿命为保障标的，根据保险法规定，其金融安全属性是第一档，即使是所购买的保险公司破产、重组、收购、接管等都不会影响兑付。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">目前，\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">增额寿尖子生产品可以做到复利2.8%~2.9%，但无法突破3%\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">养老年金的收益水平与被保人寿命相关性比较大，\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">以60岁开始领取，领到80岁来测算，复利可以做到3.2%~3.3%\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">（具体收益需要参考产品、被保人投保年龄和缴费方式等因素，有需要的朋友可以添加助手免费测算：jane7bz13）。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; font-size: var(--articleFontsize); letter-spacing: 2px; text-align: center; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fmmbiz_png\u002FAm8Qfs8miaLFP0y47k36rNGDhCM5HeemPTZzibYyT7q97SZBc8cEmoSejpfbhoCxlYgIzj9PyTM3oAzzaCIWbM5w\u002F640?wx_fmt=png\" alt=\"图片\"\u002F>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Csection>\u003Cp style=\"margin: 0px 16px; text-align: center; max-inline-size: 100%; padding: 0px; clear: both; min-height: 1em; cursor: text; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(214, 168, 65); font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: rgb(51, 51, 51); box-sizing: border-box !important; overflow-wrap: break-word !important;\">02 分红险\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; clear: both; min-height: 1em; cursor: text; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); text-indent: 0em; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; text-indent: 0em; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">在储蓄险7月份大调整后，市场上出现了一些关于「分红型储蓄险」的声音。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); text-indent: 0em; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">相比于传统的储蓄险，分红型储蓄险在选择逻辑上有着本质不同。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); text-indent: 0em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">1）分红险有机会博取更高收益。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); text-indent: 0em; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">分红险的收益是由两部分组成的：\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">保证收益和浮动收益部分\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); text-indent: 0em; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">目前\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">内地分红险头部产品可以做到复利3.59%，不过这里面只有2.3%是保证收益，1.29%来自分红演示部分\u003C\u002Fstrong>；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); text-indent: 0em; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">前些年，对于分红演示，保险公司一般会分高、中、低三档；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); text-indent: 0em; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">这两年改革后，\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">演示的红利分配比例统一调整为70%\u003C\u002Fstrong>，数据上可以让我们更直观地做参考。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); text-indent: 0em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">2）需要考虑保险公司的投资水平。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); text-indent: 0em; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">与传统储蓄险直接选收益最高的产品有所不同，在选择分红险时，分红的浮动收益部分与保险公司的投资水平直接挂钩；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); text-indent: 0em; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">所以，\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">除了产品本身过硬，我们还需要参考背后保险公司的投资水平、偿付充足率、过往分红达成率等要素\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); text-indent: 0em; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">总结一下，分红险这类产品，向上有机会博取更高收益，向下有保底收益能托底；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); text-indent: 0em; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">在整体投资行情低落的今天，反倒成为一个不错的选择。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; text-indent: 0em; font-size: var(--articleFontsize); text-align: center; letter-spacing: 2px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fmmbiz_png\u002FAm8Qfs8miaLFP0y47k36rNGDhCM5HeemPTZzibYyT7q97SZBc8cEmoSejpfbhoCxlYgIzj9PyTM3oAzzaCIWbM5w\u002F640?wx_fmt=png\" alt=\"图片\"\u002F>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Csection>\u003Cp style=\"margin: 0px 16px; text-align: center; max-inline-size: 100%; padding: 0px; clear: both; min-height: 1em; cursor: text; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(214, 168, 65); font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: rgb(51, 51, 51); box-sizing: border-box !important; overflow-wrap: break-word !important;\">03 香港储蓄险\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); text-indent: 0em;\">最后要分享的是，很多朋友都听说过，但缺少深入了解机会的：\u003C\u002Fspan>\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); text-indent: 0em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">香港保险\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); text-indent: 0em;\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">实际上，香港储蓄险这些年一直在做的基本都是分红型产品：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); box-sizing: border-box !important; overflow-wrap: break-word !important;\">投资者与保险公司共享成果，共担风险。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">但香港储蓄险跟内地储蓄险分红型也有着两个很大区别：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; background-color: rgb(255, 218, 169); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); box-sizing: border-box !important; overflow-wrap: break-word !important;\">1）收益更高，保底更低。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">用户到手的储蓄险收益由两部分组成：\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">保底收益+分红收益\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">内地的产品，目前大多有2%以上的保底水平；但香港储蓄险大多只有1%的保底收益。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">不过，内地分红险的最终收益很难突破3.6%，与之对应的香港储蓄险，\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(214, 168, 65);\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: rgb(51, 51, 51); box-sizing: border-box !important; overflow-wrap: break-word !important;\">最高收益却可以达到6%~7%\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">同样是储蓄险，为什么香港就能高出不少呢？\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">原因就在\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; background-color: rgb(255, 218, 169);\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); box-sizing: border-box !important; overflow-wrap: break-word !important;\">分红收益\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">上。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">内地保险公司投资的大多是国内的基金、债券等，\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">大约占总投资资金的70%-80%；权益类投资最高只能占总投资资金的20%-30%\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">香港的保险公司，可以投资的范围就大多了。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">从地域上来看，欧洲、美国等都能投；从投资品的角度看，股市、债券、私募等都能投。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">香港保险的固收类资产占比一般在25%~35%，\u003C\u002Fspan>\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(214, 168, 65); box-sizing: border-box !important; overflow-wrap: break-word !important;\">权益类资产最高占比可达70%~85%\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">投资赚得多，分给用户的分红也就多了。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); box-sizing: border-box !important; overflow-wrap: break-word !important;\">说两家港险龙头保司的例子：\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">保诚的隽X，固收类占30%，股票类占70%。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">友邦的盈X2，固收类占25%-100%；权益类占0%-75%。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">资金体量大，资金使用期长，投资种类多，又是在一套成熟的金融体系下由专业投资人士来做这件事；所以香港保险的收益自然高得多。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">但6-7%的收益并不是保证的，\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">得看市场行情和香港保险公司实际的投资水平\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">如果碰上市场不好，回报率也会低一些。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">举个例子，假设港险产品A的保底收益1%，分红收益5%；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">在20年之前，市场行情好，保险公司投资赚的多，分红达成率基本在100%~130%之间；取个中间值\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; outline: none 0px !important;\">（115%）\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">，收益是6.75%\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">（保底1%+分红5%*分红实现率115%）\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important; outline: none 0px !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">而在21年、22年，全球经济都走下坡路时，保险公司自身投资收益也下降了，分红达成率基本在92%~98%之间；取个中间值\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; outline: none 0px !important;\">（95%）\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">，收益就变成了5.75%\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">（保底1%+分红5%*分红实现率95%）\u003C\u002Fspan>\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">分红受市场波动的影响，保险公司每年都会披露上一年度的分红达成率，如果分红达成率太低，也会被监管强制性调低分红收益，这样一来，在产品宣传层面也是不利的。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">因此，分红达成率相当于保险公司的隐形KPI。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; background-color: rgb(255, 218, 169); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); box-sizing: border-box !important; overflow-wrap: break-word !important;\">2）适合多币种资产配置。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">香港储蓄险可以用美元、英镑、欧元、澳元、港币、新币等多币种计价，也是很多家庭\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">做汇率对冲、多币种资产配置的一环\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">如果未来有明确的币种需求，那么在投保时可以有一定的侧重。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">举个例子，老王计划5年后送儿子去美国留学，那么可以买一份美元保单；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">这样，在未来孩子要用钱时，可以减保领取美元。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">而如果老王家没有海外用钱的地方，就需要多考虑一些\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">「汇率因素」\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">比如，今天人民币需要7.312元才能兑换1美元，假设趸交一份1万美元的保单，成本是7.312万元人民币；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">以每个保单周年增长5%来计算，5年后保单现价为12155美元；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">而如果，此时人民币汇率上涨至，6.7元人民币兑1美元；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">那么，这份保单能兑出人民币81438元，实际收益只有8319元。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">因此，\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">汇率波动也是我们在配置港险时，需要注意的一点\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">最后，用一张图来总结这3类产品的保底收益和最高收益。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: center; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLEQZOxpo3k4PjhK9cyTXIOKtCZwvBhsRtcVAfs5CKZmCGz2GyMSDUricY5Egic67icHc8yTfqLuN0lDQ\u002F640?wx_fmt=png\" alt=\"图片\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">关于这3类产品的特点和背后的投资逻辑，先在这里简单跟大家做个分享。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">落到实操中，其实还有不少具体问题——\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cblockquote style=\"max-inline-size: 100%; margin: 0px 16px; padding: 4px 0px 0px 10px; outline: 0px; border-left: 3px solid rgb(219, 219, 219); color: var(--weui-FG-1); text-indent: 0em; caret-color: rgb(255, 0, 0); background-color: rgb(255, 255, 255); font-size: 15px; max-width: 100%; letter-spacing: 0.544px; text-align: justify; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cp style=\"margin: 0px 16px; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; max-width: 100%; text-indent: 0em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">如何在一堆相似产品中选出收益最高的那个？\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; max-width: 100%; text-indent: 0em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">自己的家庭情况究竟适合哪一类产品？\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; max-width: 100%; text-indent: 0em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">如何评估一家保险公司的投资能力？\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; max-width: 100%; text-indent: 0em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">怎样了解保险公司的分红达成率？\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; max-width: 100%; text-indent: 0em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">想买香港产品需要做哪些准备？\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; max-width: 100%; text-indent: 0em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">...\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fblockquote>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">由于文章篇幅有限，如果想进一步了解具体产品或系统学习思路，欢迎参加我们的\u003Cstrong style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">「4天储蓄险实操营」\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 16px; font-family: arial, helvetica, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">感兴趣的朋友，扫描下方二维码，提前锁定席位~\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-align: justify; max-inline-size: 100%; padding: 0px; outline: 0px; clear: both; min-height: 1em; cursor: text; font-size: 17px; text-indent: 0em; caret-color: rgb(255, 0, 0); max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; line-height: 2em; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; 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