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保险版余额宝高收益背后藏有多少秘密 - 站长搜索
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保险版余额宝高收益背后藏有多少秘密

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2014-03-04 17:18:05 转载来源: 网络整理/侵权必删

春节前微信理财通、苏宁零钱宝等互联网金融理财产品的集中上线,让一枝独大的余额宝感到了重重压力。为此一只名为“余额宝用户专享权益2期”,预期收益高达7%的理财产品节后悄然上线,然而该产品宣传的模糊与隐蔽性却遭到了业内人士的吐槽,其暗藏的风险也被揭示

春节前微信理财通、苏宁零钱宝等互联网金融理财产品的集中上线,让一枝独大的余额宝感到了重重压力。为此一只名为“余额宝用户专享权益2期”,预期收益高达7%的理财产品节后悄然上线,然而该产品宣传的模糊与隐蔽性却遭到了业内人士的吐槽,其暗藏的风险也被揭示。

“余额宝用户专享权益2期”的宣传页面显示,该款产品预期年化收益率高达7%、持续一整年定期高收益,且保本保底。但该产品仅对余额宝用户开放,且客户需要采取先预约后购买的方式,该产品一经推出便引来多方关注,截至昨日已有超过170万人预约。

但是除了上述宣传内容外,消费者并不能看到具体的产品内容、投资投向以及收益演示等信息,在7%高预期收益的背景下很多重要的投资信息异常模糊。在面对业内人士诸多疑问的情况下,支付宝高管出面解释称,该款产品对接的是珠江人寿“汇赢一号”的元宵节特供版万能险,并不是市场上认为的“余额宝二代”。

对于这款保险版余额宝产品,济安金信研究员马永靖指出,去年珠江人寿就曾推出这款万能险,预期年化收益率是4.8%,而此次宣传的高达7%的预期收益让人感到难以信服。此外,长安责任精算师陈辉也对北京商报记者表示,去年万能险整体平均收益在5%左右,只有个别产品的某个季度会出现6%、7%的收益,所以珠江人寿的这款万能险恐难达到预期收益。

保险专家也提醒投资者,对于万能险产品的预期收益和银行理财产品的收益并不同,客户所得收益是保险公司定期在官网公布的实际结算利率,而且计算收益率还要涉及投保初始费用及提前退保或部分支取费用,实际收益或将远低于其网络宣传。

而对于“余额宝用户专享权益2期”保本保底的说法,马永靖也指出,万能险产品所说的保本保底收益一般是在1.7%-2.5%之间,宣传页面上却并没有解释清楚,容易对投资者引起误导,认为是保7%的收益,事实上并非如此。

除了难达预期高收益的问题外,实际上,该款万能险还存在较大的退保风险。前述保险专家提醒道,“余额宝”属于货币基金产品,可以随时申购赎回,但是保险产品并没有申购赎回的说法,一旦“赎回”意味着退保。同时货币基金申购赎回费均可免费,若投资者在没有满一年的基础上退保,那么投资者还需缴纳3%的退保费用,投资者必然会存在较大的资金损失,且相较余额宝等货币基金产品,这款万能险一年期的封闭期也在流动性上大打折扣,投资者需根据自身资金需要谨慎选择。

北京商报记者 苏长春

标签: 保险 余额 宝高 收益 背后 藏有 多少 秘密


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