Re: [心得] 保險版~嗯哼
如果保險板只有一種聲音,那就不會有戰文了,更不會有鬧到法院上去的情況
或許是你想聽的聲音小了,因為那種聲音不再是主流
保險板跟七年前不一樣,因為如今沒有業務可以光明正大在上面從事商業行為
或許這擋到你的利益了,那請你多加油,找點別的管道擴展業務
保險板跟知識+最大的不同,是這邊發問,不會只換來一堆想要成交的業務
而是會有很多板友,在沒有利益的情況下願意熱心提供建議
知識+是一個平台,保戶不需要做功課,上去丟個問題就有罐頭規劃扔回來了
保險板也是一個平台,保戶PO文要花心思做功課,自己多學點比較不會被當凱子
板友PO問題在知識+,不會有人提示風險,只會想辦法成交
板友PO問題在保險板,會有一堆人提示風險,而不是只想著要成交賺佣金
你認為這只是出張嘴,的確是出張嘴,但這張嘴可能更有正面意義
你認為沒有提出解決方案,難道有成交才叫做解決方案?
今天保險板只戰終身定期嗎?就算定期,幾張實支也戰過呀!
什麼都可以討論,透過這些,大家也學到更多,不是嗎?
我也沒禁過什麼戰文,別違反版規就好
今天有板友說要買終身,一定會有一堆支持定期的人出來提示風險
如果板友都知道了,還是要買,會有人說什麼嗎?那是那個板友自己的決策呀!
我認為針對台灣保戶特別鍾愛還本、終身、儲蓄這些險種卻又不清楚風險的情況下
保險板能夠扮演一個提示風險的角色,是相當大的貢獻
而這都是眾多板友的熱心,相當令人敬佩
能撇除利益,作到這種風險告知的,也就只有PTT保險板
如果這個版的風氣就是讓板友不會被無良業務騙,盡可能告知保險規劃所有的風險
我想這是很值得繼續維持下去的風氣
錢太多不想投資也不想定存,知道所有風險之後還是要買儲蓄險,那就去買啊!
我自己會不會買儲蓄險?我也說過呀!如果利率回到8%,我買儲蓄險鎖住也是好選擇呀!
終身險也是啊!無上限那時的終身險,跟現在比起來也是便宜又大碗,我也有買啊!
但是現在的終身險變成什麼樣子了?
保險是轉嫁財務風險的工具,不是資產配置的工具
當然,保險可以用來做資產規劃,就像是有些車子也可以住人
但是大多數人應該住在房子裡,而不是住在車子裡呀!
讓保險就單純只有保障功能,不是比較單純嗎?
資產配置,不是把錢這邊放一點,那邊放一點,買了一百種金融商品就叫作配置
那叫做稀釋資產,你買一百家公司的股票各一張,股市崩盤一樣掛點呀!
所謂的資產配置,是去持有不相關或負相關的資產,有的漲了有的下跌,波動就降低了
但是很遺憾的,保險就只有稀釋資產的功能,要做資產配置,不必用到保險。
當然,你要說保險還有稅務、遺產規劃等功能也行,但那真的沒疑義嗎?
知識+是一個充滿銅臭味的平台,我很不喜歡
保險板是一個充滿火藥味的平台,我覺得比銅臭味好多了(至少台面上很少)
至於要讓這個平台上面有什麼味道,也不是我說了算,因為那都是所有板友一起決定的
除了PTT本身就是一個不能有銅臭味的平台以外,其餘要出現什麼味道,都看各位。
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