原因在于—-保险配置完全没有整体结构设计,一盘散沙。通常是东买一个、西买一个。作为家里的主要保险买手,对于保险都保些什么,时间一长,基本都会忘记,至于有没有买重复、有没有遗漏,就更是无从说起。问起为什么当时想要买这份保险,多是“朋友”或者“同事的老婆”“老婆的同事”推荐的,觉得好像不错,就买了。导致家庭保险配置完全散漫无序。
原因分析—-保险配置时的产品导向以及信息不对称,或者销售误导。
三、保险公司知名度高,产品性价比却很低
原因诊断—-这依然属于保险行业信息不对称导致的。
原因诊断—-这一块,我认为完全是销售人员的不专业、不负责导致的。
原因诊断—-焦虑往往源于未知。通过梳理把每一笔钱的去向,条分缕析,弄清楚钱都花在了哪里,心里踏实了,自然也就不焦虑了。
Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek unbiased financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.
Jolysse Wu|邬宇思
Senior Financial Manager · Financial Alliance Pte Ltd
新加坡理财规划|中英文沟通
我帮助在新加坡生活的个人与家庭,梳理现有资产、现金流与保障,把投资、CPF/SRS和退休安排放在一起规划。
我不会只从单一产品出发,而是先了解你的目标、资金用途与风险承受能力,再一起判断:哪些钱需要保持灵活,哪些适合长期配置,以及现有安排还有哪些缺口。
我的工作,是帮助你理解每一个选择背后的理由与取舍,并随着生活变化,持续检视和调整财务安排。
一对一咨询,请点击这里
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