一日之計在於晨,一年之計在於春,一生之計在於"初"? (上)

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17 Feb 2018
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17 Feb 2018

Estimated reading time 2 minutes



文:  岑妙珠  

“初”就是人生第一階段,當你開始投入工作,也就是代表開始有財務負担。在新春假期,會計劃一下嗎?


第一步:分析、評估財務風險

絕大多數人排第一重要的需求是先把當前財務最大風險的保障做夠。


第二步:確定缺口和投保額度

從家庭財務規劃來看,保險保障的是財務安全,維持家庭正常週轉,主要應對兩方面風險:

  1. 收入中斷的風險:比如意外身故、傷殘、疾病、身故會影響經濟收入,財務現金流中斷,無法維持家庭生計,就需要意外險和壽險來轉移風險。
  2. 被動大額支出的風險:比如發生重大疾病,例如癌症,不僅無法工作影響經濟收入,還會支出一大筆無法承受的治療費用。就需要危疾/醫療保險轉嫁風險。

保額怎麼計算?出現風險,就看需要多大的財務缺口彌補損失。至少有3種計算方式:

  1. 生命價值法:補償不幸身亡後經濟損失,未來所有的收入減去個人支出來折現,比如每年收入10萬,支出5萬,還有20年退休,那麼生命價值就是 ( 10-5 ) x 20 = 100萬。
  2. 遺囑需要法:補償家庭全部負債,家庭成員未來全部支出折現(每年家庭生活費、子女教育費、父母贍養費等)
  3. 薪金的倍費 ::公司替員工購買壽險多以員工月薪x倍數,較普遍是36月薪

以上3種,遺囑需要法的計算方法最精確。


現實中,客户只看自己供款預算來計算保額,在家庭高負担期,應用最大的數值作為壽險和意外險的保額,之後再遞減, 而危疾保險保額可用治療費(一般50 - 80萬)加上2-3年的工作收入損失扣除儲蓄計算。


上集先分享到這裏,還有另外3步曲,下次再同大家介绍,祝大家新春大吉,龍馬精神!

Question: 一日之計在於晨,一年之計在於春,一生之計在於"初"? (上)
岑妙珠
Even, Shum Miu Chu
恆泰 高級理財顧問
Answer:

客户有基本概念自己的需要,就不怕中介人的硬銷。理論與市場產品始终要取平衡,同有經驗的財策師商量,會幫助你作出合適選擇。


本人為認可財務策劃師 並擁有五年以上經驗,歡迎加我為顧問。

Responses from the advisors do not represent 10Life. 10Life will not bear any responsibilities nor make any warranty or guarantee for the accuracy, completeness and timeliness of the information or for any claims and/ or losses caused thereby.

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