With the same 1 million, what's the difference after 40 years?

🔹 Bank deposit (2% annualized) → 2.21 million
🔹 Mainland China insurance (2.5% annualized) → 2.69 million
🔹 Hong Kong insurance (6% annualized) → 10.29 million
It's not the principal, it's compounding × time × allocation
Then you might wonder why Hong Kong is so much higher? Because Hong Kong insurance money isn't just invested in Hong Kong —
Your premiums actually indirectly participate in global top-tier assets through insurance companies and asset management institutions:
· 40-50% U.S. Treasury bonds (stable base)
· 10-20% Long-term high-grade corporate bonds (Apple Microsoft 10%)
· 10-20% Equity assets (S&P & Nasdaq & core tech)
· 5-10% Alternative assets (emerging market ETFs/ESG investments)
You're not speculating in U.S. stocks; you're borrowing the global allocation capabilities of professional institutions