Akcie pojišťoven: sektor ➡ Pojišťovnictví
Pojišťovny fungují tak, že sdružují peníze, které lidé platí do fondu. Z těchto peněz pak vyplácejí pojistné plnění těm, kteří měli smůlu, že se jim stala nehoda, onemocněli nebo jim byl zničen dům. Pojišťovny také investují tyto peníze, aby dosáhly dalších zisků a vrátily úroky lidem, kteří investovali. Pojištění poskytuje ochranu před riziky a klid, což je velmi důležité.
V pojišťovnictví existuje mnoho společností, ale tyto nejvýkonnější akcie stojí za zvážení. AIG měla těžké roky, kdy ji v roce 2008 zachraňovala vláda, ale stále je považována za jednu z nejlepších pojišťovacích akcií podle tržní kapitalizace.
Jaké jsou různé druhy pojištění?
Existují různé druhy pojištění, které jsou k dispozici pro různé potřeby:
- Životní pojištění: Kryje náklady na úmrtí, pohřeb a další výdaje spojené se ztrátou příjmu.
- Zdravotní pojištění: Kryje náklady na zdravotní péči, hospitalizaci, operace a lékařská vyšetření.
- Pojištění domácnosti: Kryje škody na budovách a osobním majetku způsobené požárem a dalšími riziky.
Jak vydělávají pojišťovny peníze?
Pojišťovny vydělávají peníze tím, že vybírají pojistné a investují do rizika. Musí také zohlednit náklady na pojistná plnění a administrativní náklady. Pokud tak neučiní, budou prodělávat a nebudou generovat dostatečný zisk.
Investice do pojišťoven
Investování do akcií pojišťoven vyžaduje znalosti o odvětví a jeho rizicích. Klíčem k úspěchu je diverzifikované portfolio, trpělivost a porozumění tržním trendům. Při investování do pojišťovacích akcií je důležité zvážit toleranci k riziku a požadovaný výnos.
- Investice do akcií pojišťoven by měla být provedena po pečlivém zvážení rizik a výnosů v daném odvětví.
Rizika investování do pojišťoven
Investování do akcií pojišťoven je rizikové. Je důležité porozumět těmto rizikům:
- Riziko nevyváženého portfolia
- Riziko nedostatečné diverzifikace
- Riziko, že nedosáhnete požadovaného výnosu
Varovným signálem je, pokud společnost v minulosti zaznamenala výrazné ztráty nebo odkupy, nebo pokud je silně závislá na jednom průmyslovém odvětví.
Pořadí | Logo | Společnost | Tržní kapitalizace |
---|---|---|---|
1 |
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UnitedHealth
UNH $482,394,603,520.00 |
$482,394,603,520.00 |
2 |
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Elevance Health
ELV $120,447,033,344.00 |
$120,447,033,344.00 |
3 |
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Progressive
PGR $110,750,007,296.00 |
$110,750,007,296.00 |
4 |
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Allianz
ALV.DE $104,634,673,033.00 |
$104,634,673,033.00 |
5 |
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Chubb
CB $102,364,692,480.00 |
$102,364,692,480.00 |
6 |
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Cigna
CI $99,770,187,776.00 |
$99,770,187,776.00 |
7 |
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Marsh & McLennan Companies
MMC $98,478,694,400.00 |
$98,478,694,400.00 |
8 |
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Ping An Insurance
601318.SS $95,872,075,097.00 |
$95,872,075,097.00 |
9 |
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AIA
1299.HK $91,531,984,172.00 |
$91,531,984,172.00 |
10 |
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Life Insurance Corporation of India (LIC)
LICI.NS $79,351,241,142.00 |
$79,351,241,142.00 |
11 |
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AXA
CS.PA $75,424,881,950.00 |
$75,424,881,950.00 |
12 |
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Zurich Insurance Group
ZURN.SW $73,280,850,596.00 |
$73,280,850,596.00 |
13 |
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Aon
AON $61,812,260,864.00 |
$61,812,260,864.00 |
14 |
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Munich Re
MUV2.DE $60,146,756,883.00 |
$60,146,756,883.00 |
15 |
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Tokio Marine
8766.T $58,767,309,672.00 |
$58,767,309,672.00 |
16 |
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Arthur J. Gallagher & Co.
AJG $51,862,896,640.00 |
$51,862,896,640.00 |
17 |
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The Travelers Companies
TRV $49,841,778,688.00 |
$49,841,778,688.00 |
18 |
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MetLife
MET $49,722,085,376.00 |
$49,722,085,376.00 |
19 |
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American International Group
AIG $47,694,016,512.00 |
$47,694,016,512.00 |
20 |
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Humana
HUM $44,270,002,176.00 |
$44,270,002,176.00 |
21 |
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Centene
CNC $42,085,269,504.00 |
$42,085,269,504.00 |
22 |
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Manulife Financial
MFC $39,210,516,480.00 |
$39,210,516,480.00 |
23 |
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Prudential Financial
PRU $38,728,081,408.00 |
$38,728,081,408.00 |
24 |
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Generali
G.MI $34,796,341,747.00 |
$34,796,341,747.00 |
25 |
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Swiss Re
SREN.SW $33,092,819,138.00 |
$33,092,819,138.00 |
26 |
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Arch Capital
ACGL $31,671,109,632.00 |
$31,671,109,632.00 |
27 |
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Hannover Rück
HNR1.DE $29,827,766,072.00 |
$29,827,766,072.00 |
28 |
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Prudential
PUK $29,228,886,016.00 |
$29,228,886,016.00 |
29 |
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Willis Towers Watson
WTW $28,434,812,928.00 |
$28,434,812,928.00 |
30 |
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The Hartford
HIG $27,778,408,448.00 |
$27,778,408,448.00 |
31 |
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MS&AD Insurance Group
8725.T $26,300,262,579.00 |
$26,300,262,579.00 |
32 |
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Molina Healthcare
MOH $23,460,448,256.00 |
$23,460,448,256.00 |
33 |
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Sampo
SAMPO.HE $22,536,748,671.00 |
$22,536,748,671.00 |
34 |
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Dai-ichi Life Holdings
8750.T $21,594,524,807.00 |
$21,594,524,807.00 |
35 |
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W. R. Berkley
WRB $21,193,181,184.00 |
$21,193,181,184.00 |
36 |
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Cathay Financial Holding
2882.TW $20,803,035,848.00 |
$20,803,035,848.00 |
37 |
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Swiss Life
SLHN.SW $20,449,181,503.00 |
$20,449,181,503.00 |
38 |
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Sompo Holdings
8630.T $19,311,055,177.00 |
$19,311,055,177.00 |
39 |
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Markel
MKL $19,192,418,304.00 |
$19,192,418,304.00 |
40 |
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Principal
PFG $18,921,455,616.00 |
$18,921,455,616.00 |
41 |
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Talanx
TLX.DE $18,339,967,599.00 |
$18,339,967,599.00 |
42 |
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SBI Life Insurance
SBILIFE.NS $18,221,812,306.00 |
$18,221,812,306.00 |
43 |
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Cincinnati Financial
CINF $17,562,019,840.00 |
$17,562,019,840.00 |
44 |
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Everest Re
EG $15,962,025,984.00 |
$15,962,025,984.00 |
45 |
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HDFC Life
HDFCLIFE.NS $15,369,978,330.00 |
$15,369,978,330.00 |
46 |
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Aviva
AV.L $14,955,511,793.00 |
$14,955,511,793.00 |
47 |
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Fidelity National Financial
FNF $14,258,358,272.00 |
$14,258,358,272.00 |
48 |
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CNA Financial
CNA $12,041,371,648.00 |
$12,041,371,648.00 |
49 |
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RenaissanceRe
RNR $12,023,693,312.00 |
$12,023,693,312.00 |
50 |
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Taiwan Cooperative Financial
5880.TW $11,986,917,242.00 |
$11,986,917,242.00 |
51 |
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Globe Life
GL $11,814,720,512.00 |
$11,814,720,512.00 |
52 |
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Reinsurance Group of America
RGA $11,086,667,776.00 |
$11,086,667,776.00 |
53 |
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Samsung Life Insurance
032830.KS $10,816,325,822.00 |
$10,816,325,822.00 |
54 |
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New China Life Insurance
601336.SS $10,737,146,147.00 |
$10,737,146,147.00 |
55 |
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AEGON
AEG $10,231,043,072.00 |
$10,231,043,072.00 |
56 |
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Admiral Group
ADM.L $10,009,941,734.00 |
$10,009,941,734.00 |
57 |
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ICICI Lombard
ICICIGI.NS $9,773,781,598.00 |
$9,773,781,598.00 |
58 |
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China Life Insurance
2628.HK $9,276,818,805.00 |
$9,276,818,805.00 |
59 |
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General Insurance Corporation of India
GICRE.NS $9,042,372,120.00 |
$9,042,372,120.00 |
60 |
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Gjensidige Forsikring
XGJ.F $8,221,155,725.00 |
$8,221,155,725.00 |
61 |
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Bâloise
BALN.SW $7,355,341,438.00 |
$7,355,341,438.00 |
62 |
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iA Financial
IAG.TO $7,213,688,306.00 |
$7,213,688,306.00 |
63 |
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Japan Post Insurance
7181.T $6,779,467,775.00 |
$6,779,467,775.00 |
64 |
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Mapfre
MAP.MC $6,446,430,846.00 |
$6,446,430,846.00 |
65 |
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Phoenix Group
PHNX.L $6,384,179,497.00 |
$6,384,179,497.00 |
66 |
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Aditya Birla Capital
ABCAPITAL.NS $5,837,618,750.00 |
$5,837,618,750.00 |
67 |
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New India Assurance
NIACL.NS $5,703,426,003.00 |
$5,703,426,003.00 |
68 |
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Essent Group
ESNT $5,564,363,264.00 |
$5,564,363,264.00 |
69 |
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Scor
SCR.PA $5,201,545,564.00 |
$5,201,545,564.00 |
70 |
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AXIS Capital
AXS $5,190,505,984.00 |
$5,190,505,984.00 |
71 |
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PB Fintech
POLICYBZR.NS $5,034,114,003.00 |
$5,034,114,003.00 |
72 |
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Beazley
BEZ.L $4,966,160,289.00 |
$4,966,160,289.00 |
73 |
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Assured Guaranty
AGO $4,825,013,248.00 |
$4,825,013,248.00 |
74 |
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Lincoln National Corporation
LNC $4,640,256,000.00 |
$4,640,256,000.00 |
75 |
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Hiscox
HSX.L $4,630,828,441.00 |
$4,630,828,441.00 |
76 |
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Enstar Group
ESGR $4,488,758,272.00 |
$4,488,758,272.00 |
77 |
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White Mountains Insurance Group
WTM $4,436,850,176.00 |
$4,436,850,176.00 |
78 |
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American Equity Investment Life Holding
AEL $4,383,413,248.00 |
$4,383,413,248.00 |
79 |
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Enact Holdings
ACT $4,342,324,736.00 |
$4,342,324,736.00 |
80 |
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Grupo Catalana Occidente
GCO.MC $4,306,728,921.00 |
$4,306,728,921.00 |
81 |
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Jackson Financial
JXN $4,110,155,008.00 |
$4,110,155,008.00 |
82 |
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Shin Kong Financial Holding
2888.TW $4,091,992,073.00 |
$4,091,992,073.00 |
83 |
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Oscar Health
OSCR $4,079,951,616.00 |
$4,079,951,616.00 |
84 |
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Topdanmark
TOP.CO $4,054,163,159.00 |
$4,054,163,159.00 |
85 |
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Max Financial Services
MFSL.NS $4,047,389,021.00 |
$4,047,389,021.00 |
86 |
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VIG ( Vienna Insurance )
VIG.PR $3,608,074,646.00 |
$3,608,074,646.00 |
87 |
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Brighthouse Financial
BHF $3,024,667,136.00 |
$3,024,667,136.00 |
88 |
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Intercorp Financial Services
IFS $2,952,413,440.00 |
$2,952,413,440.00 |
89 |
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Direct Line Group
DLG.L $2,867,001,313.00 |
$2,867,001,313.00 |
90 |
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People’s Insurance Company of China
1339.HK $2,789,381,016.00 |
$2,789,381,016.00 |
91 |
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Genworth Financial
GNW $2,764,660,736.00 |
$2,764,660,736.00 |
92 |
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UNIQA
UQA.VI $2,588,282,507.00 |
$2,588,282,507.00 |
93 |
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ZhongAn Insurance
6060.HK $2,507,088,515.00 |
$2,507,088,515.00 |
94 |
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NMI Holdings
NMIH $2,349,558,016.00 |
$2,349,558,016.00 |
95 |
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SiriusPoint
SPNT $2,028,555,776.00 |
$2,028,555,776.00 |
96 |
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Coface
COFA.PA $2,018,541,637.00 |
$2,018,541,637.00 |
97 |
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National Western Life
NWLI $1,762,887,936.00 |
$1,762,887,936.00 |
98 |
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BRP Group
BRP $1,735,945,472.00 |
$1,735,945,472.00 |
99 |
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RSA Insurance Group
RSAB.L $1,410,208,041.00 |
$1,410,208,041.00 |
100 |
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Safety Insurance
SAFT $1,289,262,080.00 |
$1,289,262,080.00 |
101 |
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Lemonade
LMND $1,235,550,080.00 |
$1,235,550,080.00 |
102 |
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Employers Holdings
EIG $1,154,573,952.00 |
$1,154,573,952.00 |
103 |
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AMERISAFE
AMSF $963,885,440.00 |
$963,885,440.00 |
104 |
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Religare
RELIGARE.NS $941,999,799.00 |
$941,999,799.00 |
105 |
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Ambac
AMBC $707,293,888.00 |
$707,293,888.00 |
106 |
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ProAssurance
PRA $687,066,112.00 |
$687,066,112.00 |
107 |
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United Fire Group
UFCS $614,454,528.00 |
$614,454,528.00 |
108 |
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Tiptree
TIPT $611,884,160.00 |
$611,884,160.00 |
109 |
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Univest
UVSP $596,431,424.00 |
$596,431,424.00 |
110 |
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American Coastal Insurance
ACIC $572,531,712.00 |
$572,531,712.00 |
111 |
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EverQuote
EVER $517,844,992.00 |
$517,844,992.00 |
112 |
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Donegal Group
DGICA $487,973,856.00 |
$487,973,856.00 |
113 |
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Waterdrop
WDH $404,604,128.00 |
$404,604,128.00 |
114 |
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Greenlight Reinsurance
GLRE $393,276,992.00 |
$393,276,992.00 |
115 |
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James River Group
JRVR $390,699,040.00 |
$390,699,040.00 |
116 |
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MBIA
MBI $340,077,664.00 |
$340,077,664.00 |
117 |
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GoHealth
GOCO $306,484,064.00 |
$306,484,064.00 |
118 |
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Investors Title Company
ITIC $295,258,112.00 |
$295,258,112.00 |
119 |
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NI Holdings
NODK $280,445,440.00 |
$280,445,440.00 |
120 |
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Hippo
HIPO $253,682,064.00 |
$253,682,064.00 |
121 |
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Regional Management
RM $226,799,152.00 |
$226,799,152.00 |
122 |
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Heritage Insurance
HRTG $191,392,352.00 |
$191,392,352.00 |
123 |
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Maiden Holdings
MHLD $175,633,856.00 |
$175,633,856.00 |
124 |
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Citizens Inc
CIA $138,251,472.00 |
$138,251,472.00 |
125 |
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Bright Health
BHG $130,507,176.00 |
$130,507,176.00 |
126 |
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Root Insurance
ROOT $130,086,000.00 |
$130,086,000.00 |
127 |
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Kingstone Companies
KINS $36,474,028.00 |
$36,474,028.00 |
128 |
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Hallmark Financial Services
HALL $1,638,905.00 |
$1,638,905.00 |
129 |
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Harel Group
HARL.TA $0.00 |
$0.00 |