Same $1 million, how much difference after 40 years? Bank deposit (annualized 2%) → $2.21 million Mainland insurance (annualized 2.5%) → $2.69 million Hong Kong insurance (annualized 6%) → $10.29 million It’s not about the principal—it’s compound interest × time × allocation. Now you might wonder, why is Hong Kong so much higher? Because the money in Hong Kong insurance isn’t just invested in Hong Kong— Your premiums are actually indirectly participating in top global 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 trading U.S. stocks yourself—you’re leveraging professional institutions’ global allocation capabilities.