2026-01-08 03:24:30

A recent interesting phenomenon—large insurance groups continuously expanding into bank equity. Take Ping An as an example, their H-share stake in a major bank has reached 10%. What does this reflect?

In simple terms, insurance companies are not just selling products; they are engaged in long-term investments. Look at the bank deposit interest rate, which is only 1%, but their universal insurance products can outperform that by a lot. Where does this gap come from? The key lies in the time cost. Insurance products often require locking in for over 10 years. During this long cycle, insurance companies can adopt more aggressive asset allocations to unlock greater profit potential. That’s why their returns appear so impressive.

Interestingly, insurance companies launch wealth management products that can ensure safety and offer decent returns, but the prerequisite is that you must be psychologically prepared for long-term holding.

What about ordinary investors? Most people only think about saving money and lack investment mindset. This difference in perspective can lead to significant wealth disparity over the long term.

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LiquidationWatcher

· 01-10 12:15

The insurance company's move is indeed ruthless, treating banks as ATMs. Speaking of which, the returns on universal insurance are not as miraculous as imagined; the key is still locking you in for ten or eight years. Ordinary people do have a poor mindset, but don't demonize saving money either; at least you won't get cut.

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PoolJumper

· 01-10 02:05

Ping An's recent strategic move is truly brilliant. The 10% equity stake shows that they are definitely not retail investors. To put it simply, it's just a matter of time difference. Locking in for ten years, they can play all sorts of tricks, while we are anxious over a two-point fluctuation in the account every day. No wonder they are making money.

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token_therapist

· 01-08 03:54

Ping An has truly played it smart this time, using time to exchange for gains. Ordinary people are still saving money.

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MidnightSeller

· 01-08 03:54

Ping An's move is indeed ruthless; they say they'll take back 10% equity at will. Ordinary people are still debating whether to keep money in the bank or invest in financial products.

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GhostChainLoyalist

· 01-08 03:44

Well, that's why insurance giants can harvest the little guys. They really master the time leverage.

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SilentAlpha

· 01-08 03:44

Ping An holds bank stocks, which basically means using our money to bet on long-term games and profit from the spread. Hold on, can the interest from universal insurance really beat aggressive allocations, or is it just marketing talk? A 10-year lock-up period—this kind of deal is unaffordable for ordinary people, and the liquidity of funds is extremely poor. Saving 1% and adopting an investment mindset is truly the dividing line between rich and poor; there's no doubt about that. Insurance companies are just using time to exchange for returns. As retail investors, we don't have that kind of patience. Financial products with safety + high returns sound great, but in reality, they are just traps. The gap between capital players and workers boils down to different levels of funds. Starting from 10 years—this is simply a luxury for those who need money urgently. The key question is, how does insurance ensure that those aggressive allocations don't blow up? Thinking that stock trading is investing, but in reality, it's just gambling—be more aware.

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LightningPacketLoss

· 01-08 03:40

Ping An really knows how to play this round; with just 10% equity, you can sit back and count money. Basically, it's using time to exchange for money, which ordinary people simply can't do. Can the interest from universal insurance really beat the bank's 1%? That's uncertain. The hardest part is maintaining a long-term holding mindset; most people simply can't endure it. The wealth gap has already begun, and those who wake up too late can only become poorer.

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