Частая мотивация при покупке инвестиционного страхования жизни типа Unit Linked — желание скрыть часть капитала от возможного раздела имущества при разводе. Страховой продукт не надо делить с бывшей женой.
Также Unit Linked может иметь смысл в очень узких случаях — например, если клиенту нужно одновременно решить задачу долгосрочного страхования жизни и инвестировать с налоговыми льготами (в некоторых юрисдикциях).
Гораздо выгоднее комбинация классического страхования жизни и простых инвестиционных продуктов типа биржевых фондов с низкими комиссиями. Все подводные камни Unit Linked. @finside
Частая мотивация при покупке инвестиционного страхования жизни типа Unit Linked — желание скрыть часть капитала от возможного раздела имущества при разводе. Страховой продукт не надо делить с бывшей женой.
Также Unit Linked может иметь смысл в очень узких случаях — например, если клиенту нужно одновременно решить задачу долгосрочного страхования жизни и инвестировать с налоговыми льготами (в некоторых юрисдикциях).
Гораздо выгоднее комбинация классического страхования жизни и простых инвестиционных продуктов типа биржевых фондов с низкими комиссиями. Все подводные камни Unit Linked. @finside
BY Финсайд
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Overall, extreme levels of fear in the market seems to have morphed into something more resembling concern. For example, the Cboe Volatility Index fell from its 2022 peak of 36, which it hit Monday, to around 30 on Friday, a sign of easing tensions. Meanwhile, while the price of WTI crude oil slipped from Sunday’s multiyear high $130 of barrel to $109 a pop. Markets have been expecting heavy restrictions on Russian oil, some of which the U.S. has already imposed, and that would reduce the global supply and bring about even more burdensome inflation. You may recall that, back when Facebook started changing WhatsApp’s terms of service, a number of news outlets reported on, and even recommended, switching to Telegram. Pavel Durov even said that users should delete WhatsApp “unless you are cool with all of your photos and messages becoming public one day.” But Telegram can’t be described as a more-secure version of WhatsApp. Telegram has gained a reputation as the “secure” communications app in the post-Soviet states, but whenever you make choices about your digital security, it’s important to start by asking yourself, “What exactly am I securing? And who am I securing it from?” These questions should inform your decisions about whether you are using the right tool or platform for your digital security needs. Telegram is certainly not the most secure messaging app on the market right now. Its security model requires users to place a great deal of trust in Telegram’s ability to protect user data. For some users, this may be good enough for now. For others, it may be wiser to move to a different platform for certain kinds of high-risk communications. Official government accounts have also spread fake fact checks. An official Twitter account for the Russia diplomatic mission in Geneva shared a fake debunking video claiming without evidence that "Western and Ukrainian media are creating thousands of fake news on Russia every day." The video, which has amassed almost 30,000 views, offered a "how-to" spot misinformation. Channels are not fully encrypted, end-to-end. All communications on a Telegram channel can be seen by anyone on the channel and are also visible to Telegram. Telegram may be asked by a government to hand over the communications from a channel. Telegram has a history of standing up to Russian government requests for data, but how comfortable you are relying on that history to predict future behavior is up to you. Because Telegram has this data, it may also be stolen by hackers or leaked by an internal employee.
from ms
