The total amount of investment, the registered capital, the source of funds, and the method of investment contribution and the operation period;

拟设立外资企业的投资总额、注册资本、资金来源、出资方式和期限；

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Article 3 the proportion of registered capital and total amount of investment of Chinese-foreign equity joint ventures shall abide by the following provisions.

第二条中外合资经营企业的注册资本，应当与生产经营的规模、范围相适应。合营各方按注册资本的比例分享利润和分担风险及亏损。

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The conditions for establishment of the Joint Venture Company and the total amount of investment and registered capital are stipulated in this Contract.

本合同规定了设立合资公司的条件以及投资总额与注册资本。

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This means that on average, most people would be better off skipping the insurance and investing the money on their own since the insurance companies pay out less than the total amount that they collect plus the investment returns.

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