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“股票资产的投资比例为账户总资产的0—70%,债券类资产的投资比例为账户总资产的25%—95%,现金以及一年期以内政府债券的投资比例合计不低于账户总资产的5%……”——这份详细的资产配置表,并非某证券公司或理财机构的投资方案,而是一家保险公司提供的一份“理财保险”产品。近几年,基于投保人的需求和市场的发展,理财型保险产品在投资市场的震荡中,都保持着不错的成绩。这些新型保险产品引入了股票、基金等投资范畴,风险和预期收益水平高于固定收益类产品,低于2011年上半年保险
“Equity assets investment ratio of 0-70% of the total assets of the account, bond assets investment ratio of 25% -95% of the total assets of the account, the total amount of investment in cash and government bonds within one year not less than the account 5% of total assets ...... ”- This detailed asset allocation table, not a securities firm or financial institutions investment programs, but by an insurance company to provide a “ Money Insurance ”products. In recent years, based on the needs of policyholders and the development of the market, wealth management-based insurance products have maintained good performance in the turmoil in the investment market. These new types of insurance products have been introduced into the investment areas such as stocks and funds. The risks and expected returns are higher than those of fixed-income products, lower than the insurance in the first half of 2011