“我的账户给了我一个惊喜”： 投连险“高弹性”从何而来

Core Viewpoint - The article highlights the rising popularity and performance of investment-linked insurance (投连险) products, particularly in the context of a recovering securities market, which has led to significant returns for investors willing to accept higher risks [1][6]. Group 1: Investment Performance - A Guangdong investor reported a two-digit return on an investment-linked insurance product held for just over a month, attributed to the high equity asset allocation in certain investment accounts [1]. - The quantitative enhancement investment account achieved a return of over 45%, while other accounts like aggressive and dividend value accounts exceeded 30% returns [3]. - The net asset value of certain investment accounts has shown significant growth since the market recovery in 2025, with specific examples illustrating substantial increases in unit net values [3]. Group 2: Product Structure and Features - Investment-linked insurance allows policyholders to choose from various investment accounts based on their risk tolerance and return expectations, with options for free fund transfers between accounts [2]. - Different types of investment accounts are available, including aggressive, quantitative enhancement, and stable income accounts, each with distinct risk-return profiles [2]. - The management of these investment accounts is typically handled by insurance asset management institutions, which aim to achieve absolute returns through a mix of equity, fixed income, and liquidity assets [4]. Group 3: Market Trends and Sales - Sales of investment-linked insurance products have shown a recovery trend since 2025, with a reported 16.8% year-on-year increase in new premiums for independent accounts [6]. - The growth in sales is linked to improved capital market conditions and a shift in consumer demand towards higher-yield products following reductions in traditional life insurance interest rates [6]. - The article emphasizes that investment-linked insurance is not suitable for all investors, as it requires a higher risk tolerance and a long-term investment horizon [7]. Group 4: Investment Strategy and Recommendations - The article discusses the integration of quantitative strategies with human judgment in investment practices, highlighting the effectiveness of quantitative models in enhancing returns [5]. - It is suggested that investment-linked insurance products are best suited for investors who can commit to long-term holdings, as they are designed to benefit from market fluctuations over time [7]. - Recommendations include using a systematic investment approach, similar to fund dollar-cost averaging, to mitigate market volatility risks [7].