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号称分红复利计息的产品,收益只比银行活期高出一点点;理财产品到期不等于资金到账。有时候,一些银行理财的名词容易让消费者产生误解,因为我们不知道背后还有一些“潜台词”。听起来很美的分红复利计息案例:2011年6月,杭州一位从事教育行业的江女士在银行办业务时,买了一份分红保险。这款保险产品的投资期限是6年,交费期3年,每年交3万元。“我会买这个产品,是因为业务员说分红比银行存款利息高,而且分红是复利计息。”她想,存银行利率也就3%,就算分红也是3%,按照复利计息,收益肯定高于存银行。但是,在她支付了3万元保费后,2012年6月,拿到的分红保险红利通知
Known dividend interest-bearing products, earnings only a little higher than the current bank; financial products does not mean the maturity of the funds credited into account. Sometimes, some bank finances tend to mislead consumers because we do not know there are some “subtexts” behind them. Sounds Dividend Interest Compounded Interest Rates: In June 2011, Ms. Jiang, an educationist in Hangzhou, bought a dividend insurance policy when she ran a bank business. The investment period of this insurance product is 6 years, the payment period of 3 years, annual pay 30,000 yuan. “I would buy this product because salesman said dividends higher than the bank deposit interest, and the dividend is compound interest. ” She thought, deposit bank interest rate will 3%, even if the dividend is 3%, according to compound interest , The income is certainly higher than the depository bank. However, after she paid the premium of 30,000 yuan, in June 2012, she received a bonus insurance bonus notification