不投AI投保险？巴菲特老爷子是如何通过保险赚钱的呢？| 每天进步一点点

Group 1 - Warren Buffett announced plans to retire by the end of the year during the recent shareholder meeting, surprising attendees [2] - Buffett emphasized that he would not invest everything around AI, stating that if given $100 billion, he would choose insurance [5] - The concept of "float" in insurance, which refers to the pre-paid premiums that can be invested before claims are paid, was explained as a key to Buffett's investment strategy [5][8] Group 2 - Berkshire Hathaway's float reached $171 billion by the end of 2024, with a cumulative after-tax underwriting profit of $32 billion over the past 20 years [8][9] - The cost of Berkshire Hathaway's float, including life insurance, is currently -2.2%, indicating a negative cost of capital for investments [9] - The insurance industry is cyclical, with property insurance companies showing strong profit growth in 2024, achieving a net profit of 5.526 billion yuan, a year-on-year increase of 10.47% [10][14] Group 3 - Among 73 non-listed property insurance companies, the net profit growth rate could reach 58.83% if excluding a significant loss from one company [10] - Notable profit increases were reported by several companies, including China Life Property Insurance with a 37.23% increase and China United Property Insurance with a 41.74% increase [11] - The property insurance sector is currently outperforming the life insurance sector, which is facing regulatory pressures and challenges [14]