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根据国都证券研究所测算，上周开放式偏股型基金平均仓位继续回落，较前一周下降1.03个百分点，下降至82.64%。剔除各类资产市值波动对基金仓位的影响，基金整体也表现为主动减仓，主动减仓0.76个百分点。上周主要股指以下跌为主，在此背景下，基金继续减仓，且无论是基金仓位的下降幅度还是基金主动减仓的幅度均较前一周有所加大，这是否意味着基金对后市的看法有所改变。
　　从上周基金主动性调仓幅度的分布情况来看，有46.6%的基金选择了主动加仓，莫蕾蔻蕾2013夏季新款热卖款真皮坡跟女鞋牛皮水钻镂空凉鞋 A12－1，加仓幅度均集中在0%～3%之间。与此同时，有53.4%的基金选择主动减仓，其中减仓幅度在0%～3%之间的基金占比为41.3%，此外还有12.1%的基金减仓幅度在3%～5%之间。虽然上周选择主动减仓的基金数量不及前一周，但上周基金整体主动减仓的幅度却超过了前一周，说明有部分基金在上周的减仓力度相对较大。
　　从上周末的仓位分布来看，仓位在90%以上的超高仓位基金数量再次减少，而仓位在60%～70%，70%～80%和80%～90%的基金数量则有所上升，其他仓位水平的基金数量变化不大。
　　按晨星基金类型划分，股票型、激进配置型、标准配置型以及保守配置型基金的平均仓位分别为88.14%、83.02%、71.78%和39.77%，分别主动减仓0.88、0.68、0.52和0.73个百分点。
　　上周大规模基金的平均仓位为84.62%，较前一周主动减仓0.67个百分点；中规模基金的平均仓位为84.06%，主动减仓0.67个百分点；小规模基金的平均仓位为78.97%，主动减仓0.96个百分点。
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记得当初进入保险公司，完全是因为保险是一个可以给人带来帮助的工具，感觉这个行业在帮助别人的同时自己也可以得到收入，莫蕾蔻蕾2013新款春季单鞋 鱼嘴细跟高跟鞋反绒皮面女鞋2016，所以比较认可这个行业！但是现在的保险行业，已经让我越来越陌生了，为了保费规模，不断开发“储蓄套牢型产品”保险公司渐渐失去了他作为“社会稳定剂的职能”已经变相的变成了名副其实的圈钱公司！
第一应该受到批评的就是中国平安保险公司，一款产品“富鬼人生”吸收了中国无数工薪家庭的辛苦挣到的血汗钱，5年缴费然后再每2年返还一定金额，你说他是“储蓄”，它不具备储蓄的灵活性，你说他是“保障”它的花费巨大但是保障极低，完全是一款储蓄套牢型产品，当一个工薪家庭被忽悠买了这个产品，一但家里有个急事比如看病啥的，钱又取不会来，一旦退保损失巨大！目前平安已经换了一个产品名叫“金裕人生”
目前这类产品还有中国人寿的福禄双喜，新华人寿的尊享人生。。。。信诚人寿的年年享也是类似这类产品，不过还算是有良心停售了，目前信诚只有一款18岁以下才可以购买的类似产品，作为资产转移，传承的工具！信诚人寿CEO陈家虎是一位值得我敬佩的人，多次在培训的时候批评类似的产品，这是我见的第一个保险公司高管批评这类产品，并不以“圈钱”为导向鼓励代理人销售此类产品，而是以保障为导向希望代理人多销售保障类的产品。
下面我以一个产品说明一下这类产品：X华公司的产品
0岁男孩
基本保额：10万
交费方式：20年
保险期限：至80周岁
年交保费：14400元
累计利益：
中：2838858.3元
1、关爱年金：
犹豫期满及每年保单生效对应日，按首次交纳的基本责任保费的1%领取，共领取14400×1%×81次= 11664元
2、生存保险金：
60周岁前每2年领取基本责任保险金额×9%，共领取9000元/次×29次=261000元+红利。
60周岁后至80周岁每年领取基本责任保险金额×9%，共领取9000元/次×21次=189000元+红利。
80周岁满期时，一次性领取终了红利。
3、累积生息账户：
以上1、2项默认进入账户，日日计息、月月复利，实现资金的二次增值。
4、身故或全残保障：
被保险人因意外伤害或疾病身故或身体全残，赔付：基本责任保费的105%+基本责任累积红利保额现金价值+终了红利。
5、保费豁免：万一发生不幸（投保人），以后的保费都不需要再交，但可继续享受相关利益。
咱们分析一下：
每2年返您9%，这个是第一个垃圾的地方，当我的孩子当我的孩子60岁时，莫蕾蔻蕾2013新款 优雅凉鞋 头层牛皮坡跟女鞋 露趾休闲鞋3366，因为有通胀的存在，内个时候的9000如果按照4%的通胀计算，9000/（1+0.04）^60=855元，就是说60年后的9000元相当于今天的855元！
有人会说，80岁我们按照中等分红还给您283.88583万元呢，这是第二垃圾的地方，内个时候200万够干嘛，给儿子买的保险，你让他80岁取，他用的上吗，钱让你们白用80年，这个产品不是给儿子买的，是给孙子买的，你们保险公司怎么那么会算计，不是拿我们老百姓当“傻子”吗？买了这个产品等于钱就“套牢了”一旦有个疾病啥的，都用不了！
这类产品真正的作用就是“套牢”部分，如果你有过亿的资产，留给孩子怕孩子给造光了，可以买一个，作为资产传承和转移的工具，对于一般连教育，养老，医疗，温饱还没解决的家庭我看还是算了吧！

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