The stock market rally pushed up the risk of increasing the return on investment adjustment account or at that time

At the beginning of the year, the Shanghai Composite Index hovered around 2000, and in just a few months the Shanghai Composite had rushed to 2,600, or more than 30%, and many of the stock market prices had even returned above 6,000 points.　　And in the insurance market, although the insurance companies remain cautious and low-key attitude to the risk of investment, but with the rise of the capital market, investment in the value of the stock account is beginning to rebound, the newspaper observed that the insurance companies in the market risk product earnings, since the beginning of the year, the rise has reached about 20%. "Although we no longer recommend to customers the risk of investment, but continue to have customer consulting investment products account of the income situation, in the knowledge of the account return than the beginning of a sharp rebound, some customers even began to ask whether it is possible to consider increasing the proportion of the risk of investment in the stock account."　　May 10, Chenhong, senior marketing manager of Taikang Life Shanghai branch, told reporters. Revenue rising customers active according to the reporter observation, as of May 13, Ping Life, Taikang Life, Taiping Life, life insurance investment risk stock account has been around 20% of the increase. Among them, Ping An's Select equity account has grown by 15% per cent since the first trading day of February this year, while Taikang Life's positive Growth Investment Account unit value has grown by 25% in three months, not far from the market's gains.　　, the blue-chip growth accounts and enterprising select stock accounts of Taiping life and life insurance are up about 20% per cent. By contrast, insurers ' other accounts have a lower rate of return, with three-month earnings not reaching 5%. Wang Tao, vice president of investment at a joint venture life insurance company in Shanghai, said in fact, for the whole investment-related products, the income of each account is changed with the capital market and the currency and bond markets change, but in terms of its return style, the stock account of the income change and the capital market is the most closely related, the market rose,　　Even the stock account also rose, but the increase will not exceed the market, the market down, the stock account will also fall, the decline will not be higher than the market. "In fact, from last year's capital market changes can be seen in the depth of the capital market decline, the investment in the stock account did not fall sharply, to a certain extent, the risk of investment in the stock account still has a certain degree of resilience."　　"said Wang Tao. It's time to adjust the account. "I bought the stock has been up 30%, you bought last year, the risk of the return of the investment?"　　Mr. Wang, who works for a company, asked his colleague Mr. Chen. "I haven't looked yet, but there should be a rise." Mr. Chen replied.　　He then looked at a life insurance company he had purchased last year, and found that the net value of the unit in his stock account had risen by less than 20% per cent, so he called the sales manager and asked about the current investment situation. Mr. Chen said the company's sales manager suggested that he could transfer funds from other accounts into a stock account, since money and bonds and bank interest rates were low, and when the stock market turned good,The proportion of funds in a high stock account. In this respect, AIA senior financial analyst Xiefang told reporters that insurance sales staff can not invest in the proposal, blind advice once the loss of investment, often lead to customer dissatisfaction with the product to complain about the company. In fact, customers are generally active to the insurance company to buy a risk, and the sales staff is only in the early stage of the sale of dangerous products to carry risks.　　People who have investment risk tolerance, idle capital and are willing to insist on long-term investment are suitable for purchase. Is it the right time to adjust the account ratio? In this regard, May 13, China Macro insurance investment analyst in Shanghai Branch Dongfeng Analysis, the A-share market has risen from the lowest point of 600多 points, short-term may contain the adjustment of risk, if investors fear risk, you can choose to share a portion of the share investment in other accounts; If the customer thinks the stock market will continue　　You can transfer funds from other accounts to a stock account. "At present, the proportion of funds in the stock account is more appropriate than 65%-75%, other accounts can be appropriately allocated, if the proportion of the stock account is too high, or suggest a slight reduction."　　"Officer Dongfeng said. Conversion Investment Account proposal for customers who have already bought the risk, the conversion between the different investment accounts also needs the opportunity to grasp, choose the right time to adjust the investment account, will greatly improve the overall income.　　Even on the premise of high stock market, customers also need to pay more attention to the purchase of the risk of investment, understand the principles of account conversion: 1. Pay more attention to the value of the insured account. Most customers do not observe the account's earnings after buying a risk, so that when the market swings, they are not aware of their own investment risk earnings.　　Therefore, it is recommended that customers always pay attention to the value of the insured account purchased, you can inquire about the insurance company website, or through the insurance company service telephone.　　2. Beware of capital market movements. The A-share market rose more than 30% per cent, and the increase in equity accounts was different.　　Clients need to consult professionals to make judgments about whether the ratio of each account needs to be adjusted, and if the risk of capital markets is increasing, consider reducing the proportion of equity account funds.　　3. Avoid frequent adjustment of accounts. Too frequent adjustment of account will also affect the return on investment risk, in general, the proportion of each account needs to be adjusted one to two times a year, up to no more than three times. Once the capital market or bank interest changes, the customer can choose the opportunity to adjust the account.　　A number of insurers are no longer charging fees for conversion accounts.　　4. Choose the time to do it. After the purchase of the investment, not once and for all.　　After the first year of purchase, experienced old customers generally choose to "add more" every year, but when to increase the number of investment and how much money need to master. Concerned about the main risk of swine influenza A (H1N1) insurance: From the current terms, the past insured pigs and other insurance provisions, insurance coverage covers all animal diseases and natural disasters,Accidents and so on. 　　Life insurance: At present some life insurance products cover the insured's death and medical responsibility due to disease. Health insurance: The insurance Company shall, in accordance with the contract, give the corresponding medical insurance fee if the insured is hospitalized with a (H1N1) or the corresponding medical expenses incurred.