[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2025120921334152039":3,"related-JP2025120921334152039":30},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"articleTitle":11,"coverImage":12,"listImage":12,"introduction":13,"description":14,"nonVipDescription":15,"postTime":16,"viewTime":16,"sortNumber":17,"isFree":18,"isShowList":7,"isRecommend":18,"linkType":7,"isOriginal":6,"hasMiniUrl":18,"hasAdvertising":18,"createBy":19,"updateBy":19,"createTime":20,"visitCount":21,"isLiked":18,"realSearch":22,"isRead":18,"productId":23,"isCollected":18,"collectCount":24,"vipExclusive":18,"allowComment":7,"style":25,"canCopy":18,"likeCount":24,"seoKeywords":15,"articleModuleVoList":26,"extendContentList":27,"noteCount":18,"categoryList":28,"dailyKeywordList":29},10,7757,"1",1,"JP2025120921334152039","1041018",3,"3万块起，我找到一个「稳稳领钱」的方式","https:\u002F\u002Fimage.jane7.com\u002F7d5ae702-5a5a-49f0-a5e6-6d123b0780da.jpg","聊一款分红型快返年金","\u003Cdiv>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">大家好，我是简七编辑部的艾小白~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">上周看到新闻说，\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">六大银行全面停售5年期大额存单。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">我正好有一笔存单马上要到期了，3年前存钱时，\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">年利率是3.25%\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">，现在只有\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">1.6%\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">左右了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;text-align: center;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fe46be3dd-c2f3-4842-8fc6-64e9db8e2608.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">关于这笔钱到期后怎么打理，我有点犹豫了——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cstrong>\u003Cspan leaf=\"\">继续存吧，等3年后，估计利息还要降，那时候又要怎么选呢？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cstrong>\u003Cspan leaf=\"\">不定存吧，想要一个相对稳定的收益，又能找什么投资品替代呢？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">左找右找，还真找到一个能代替存款的投资方式。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">今天，就来跟大家分享一下~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0 16px;padding: 0px;\">\n  \u003Cimg alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002F238dda3e-6642-4101-ac5a-32c63e11dfe8.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin: 0 16px 16px 16px;line-height: 2em;text-align: center;color: #de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">01\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">我找到的这个产品，是一款\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">分红型快返年金。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">拿我自己的情况来举例——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">我手里有10万元，一次性买入后，之后每年就可以通过这张保单来领取「收益」。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">这份产品有3种领取方式：\u003C\u002Fspan>\u003Cspan style=\"background-color:rgba(254, 212, 164, 0.8);\">\u003Cstrong>\u003Cspan leaf=\"\">现金领取、交清增额、累积生息。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cblockquote style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;border-left: 2px solid #bbbfc4;color:#646A73;margin-inline-start: 16px;\">\n  \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 14px;\">\u003Cspan leaf=\"\">现金领取是指，每年派发的收益，直接打到我的银行卡里。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 14px;\">\u003Cspan leaf=\"\">交清增额是指，用红利一次性购买保额，长期利益更高。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 14px;\">\u003Cspan leaf=\"\">累积生息是指，将分红留在保险公司，享受浮动利率的累积生息，长期来看有望获得更多收益，当然累积生息利率是浮动的，不是固定的。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fblockquote>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">这个产品，我打算做为一个\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">稳稳领钱的现金流\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">来用，所以我会选择\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">「现金领取」\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">我们一起通过产品演示，来看看怎么用。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;text-align: center;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fe3250de8-53bd-4b03-9950-88661b0acf07.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">*趸交3万元起投，演示效果可倍数计算，如趸交20万，则领取金额×2，趸交50万，则领取金额×5。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">我今年存入10万元后，明年开始就能领钱\u003C\u002Fspan>\u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">（红色框部分）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">，在演示中：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cblockquote style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;border-left: 2px solid #bbbfc4;color:#646A73;margin-inline-start: 16px;\">\n  \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 14px;\">\u003Cspan leaf=\"\">第1个保单年度，领取红利1481元；\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 14px;\">\u003Cspan leaf=\"\">第2个保单年度，领取红利1506元；\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 14px;\">\u003Cspan leaf=\"\">第3个保单年度，领取红利1533元；\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 14px;\">\u003Cspan leaf=\"\">第4个保单年度，领取红利1560元。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fblockquote>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">前4年的平均年化收益在1.5%左右，跟目前四大行的3年定期存款收益差不多。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">从\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">第5个保单年度\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">开始，收益由两部分构成：\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">保证部分+红利部分。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">第5个保单年度开始，每年保证部分给\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">1775元\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">，无论市场如何波动都会固定给到我；\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">红利部分的演示是1587，这一部分会受市场波动影响，市场环境好，有可能会多给，市场环境不好，也有可能会少给；两部分相加，预期收益为\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">3362元，\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">年化收益\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">3.3%。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">这款产品吸引我的点，有两个——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">一是锁定长期收益。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">从第5个保单年度开始，最少也能拿到年化1.775%的收益，高于银行存款，算上红利部分预期能到3.3%的年化收益。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">而且这个钱，是我活多久领多久，最多领到105岁。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">二是本金灵活安全。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">我们可以看一下，表格中保单的\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">现金价值\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">（黄色框）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">，前4年，保单现价低于已交保费，如果这时候要退保就会产生损失。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">但\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">从第5年开始，一直到第47个保单年度\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">（此时我已77岁）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">保单现价始终高于已交保费。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">这就意味着，\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">如果你需要用钱，可以随时退保取回本金；如果暂时用不到，就把这份保单当成一个收息工具；\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">选择权，始终在我们手里。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0 16px;padding: 0px;\">\n  \u003Cimg alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002Ff95c4c42-f614-464a-a785-e2d0da89092d.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin: 0 16px 16px 16px;line-height: 2em;text-align: center;color: #de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">02\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">关于这类产品，有两个比较常见的问题——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cstrong>\u003Cspan leaf=\"\">一是，储蓄保险真的安全吗？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">其实，每当利率下调，市场上就会出现\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">「挪储」\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">现象。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">也就是，一部分存款用户觉得收益太低，存着不划算了，他们开始寻找其他可替代的投资品了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">其中，最受关注的是储蓄险。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">因为\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">储蓄险的收益写进合同\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">，在投保时，我们就对未来的收益范围很明确。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">即便是出现极端情况，比如保险公司破产倒闭，也会由官方指定的实力更强的保司去接管保单，对于投保人来说，并不会有什么影响。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cstrong>\u003Cspan leaf=\"\">二是，一年3000多的收益，好像不太多？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">这个问题，我认真算过。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">确实，这不是一个能让我们「一夜暴富」的产品，但它非常适合做长期稳定的现金流工具。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">我有个在小城市生活的亲戚，之前做生意积攒了100多万元，由于没有退休金，所以60岁还在工作；对亲戚来说，\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">没有现金流收入，就意味着「坐吃山空」。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">当资金放大10倍，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">投入100万元时，每个月能从这份保单里领到\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">2800元\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">，一直领到身故；\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">而本金依然体现在保单现金价值中，家里需要用钱时就退保直接取出。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">这类产品的价值，不在于收益高，而在于\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">「收益稳、可预期、可持续」\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">我们其实是用一笔当下闲置的钱，换未来几十年稳定不断的现金流。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">如果你曾经羡慕过别人家「收入稳定」，那这类产品，本质上就是帮自己找了个「铁饭碗」。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0 16px;padding: 0px;\">\n  \u003Cimg alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002F9734307a-ef01-4421-a3c7-66766851a4a5.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin: 0 16px 16px 16px;line-height: 2em;text-align: center;color: #de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">03\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">说完了产品的功能和形态，我们再来说说，哪些人群适合买，哪些不适合。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">首先，5年内要用钱的情况，是完全不建议买入的。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">比如5年左右要置换房产、有失业风险、老人的医疗需求等，手里现金流比较紧张，应急金不足的人群，不适合这款产品，因为前4年退保会产生损失。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">即便是有长期规划的打算，不同的人群适合的购买方法也略有不同——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">如果自己所在的行业，或\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">家庭收入不太稳定\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">的情况下，更建议大家\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">缩短缴费期。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cblockquote style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;border-left: 2px solid #bbbfc4;color:#646A73;margin-inline-start: 16px;\">\n  \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 14px;\">\u003Cspan leaf=\"\">有个朋友在2021年买了一份5年交的储蓄险，结果到了2023年就因为行业变动，无法续交保费；而那时，退保又会损失保单现金价值\u003C\u002Fspan>\u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">（退保大约拿回已交保费的一半）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">，因此陷入进退两难的境地。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 14px;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 14px;\">\u003Cspan leaf=\"\">如果当时她选择一次性交完，她就可以等现金价值增长后再退保，这样就不会损失本金。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fblockquote>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">反之，如果你的\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">行业、单位稳定，手里现金流也宽裕\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">，\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">那就可以\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">适当拉长缴费期\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">，\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">这样每年\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">缴费压力不大，总保费也比较可观。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">也就是说，缴费方式的选择，并不是「越长越好」或者「越短越好」，而是要看你的家庭现金流稳定性。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">低利率时代，对我们普通人来说，最大的挑战不是「利息变少」，而是：\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">手里的钱，怎么才能既安全，又不被时代悄悄抹去价值。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">我自己这次的选择，其实就是在为未来做一个提前布局——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">不追求收益最高，而是希望未来的几十年，不管发生什么，我都有一笔确定的现金流在那儿， 稳稳托着生活。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">如果你对这类产品感兴趣，或者想根据自己的情况定制方案，可以来快闪群一起讨论~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;text-align: center;\">\u003C\u002Fsection>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>","","2025-12-09 21:31:00",100,0,"py自动生成","2025-12-09 21:33:41",141,false,17936,4,"1038002",[],[],[],[],[31,43],{"pageSize":4,"articleWikiId":32,"wikiName":33,"articleCode":34,"locationType":35,"sortNumber":36,"articleTitle":37,"introduction":38,"coverImage":39,"likeCount":18,"realSearch":22,"createTime":40,"seoUrl":41,"seoKeywords":42},95,"保险知识","JP2020061918403878913",2,20200619,"买完保险后，有哪些注意事项？这1点不能忽视","投保后非常关键的一件事，就是进行保单管理！一起来看看~","https:\u002F\u002Fimage.jane7.com\u002F45eb7c4f-fc09-4aff-81b2-b379c8cd63d4.png","2020-06-19 18:40:38","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020061918403878913-95.html","保险",{"pageSize":4,"articleWikiId":32,"wikiName":33,"articleCode":44,"locationType":35,"sortNumber":36,"articleTitle":45,"introduction":46,"coverImage":47,"likeCount":18,"realSearch":22,"createTime":48,"seoUrl":49,"seoKeywords":42},"JP2020061918353644287","用1000万保单，顶30万彩礼，这能行吗？","这1000万的保障，到底对女方有什么实在的好处？一起来聊聊~","https:\u002F\u002Fimage.jane7.com\u002F07d4fcb3-81ee-42b5-9a58-410c74054eda.png","2020-06-19 18:35:36","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020061918353644287-95.html"]