7 QDAP Products’ Break-even Period and Return Rate Compared (Chinese Article)

Estimated reading time 5 minutes

10Life Team

20 Dec 2021
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10Life Team

20 Dec 2021

Estimated reading time 5 minutes

交稅可謂打工仔噩夢,每年5月收到稅局寄出的報稅表、再申報各類收入後,到10月收到正式交稅通知。打開信件看到銀碼,很多人都難以接受,但翌年仍然要如期繳付。
 
因此,很多人每年3月31日前都想盡方法扣稅。政府現時提供的「扣稅三寶」方案中,包括自願醫保(VHIS)、強積金可扣稅自願性供款(TVC),及合資格延期年金(QDAP,扣稅年金),當中QDAP屬於較熱門扣稅工具。
 
不過,購買扣稅年金亦要清楚了解產品條款。10Life今次比較市場上7款相關產品,除了審視保證回報率外,亦會探討提供預繳方式的扣稅年金是否一個對消費者更有利的方案。
 
QDAP免稅額上限6萬港元
 
根據保監局定義,延期年金包括累積期和領取期兩個階段。在累積期,投保人在特定時間內定期支付保費,而付款期與年金領取期通常隔一段時間,讓保險公司通過投資令金額增長。到了領取期,投保人可定期收取年金。
 
現時扣稅年金免稅額上限為6萬港元,意味每年3月31日前一筆過支付6萬港元保費,便能夠趕及稅季享盡免稅額。以薪俸稅17%稅率計算,每年最終可慳稅10,200元。
 
我們比較的7款產品,以35歲以非吸煙男性為例,供款期為5年,並於50歲起獲發年金,年金期為10年,至60歲為止。期間該男性繳付17%稅率、能夠享盡每年10,200元稅款扣除。

表一:扣稅年金比較(35歲非吸煙男性)

扣稅年金(港元) 供款期 年繳保費 總繳保費 保證回本年 以稅率17%計
5年可慳稅款
於60歲時
保證派發
年金累計
保證IRR
(計及扣稅)
預期派發
年金累計
預期IRR
(計及扣稅)
友邦延期年金計劃 5 $60,000 $300,000 15 $51,000 $389,300 2.50% $521,330 4.18%
安盛「賞豐盛」
延期年金計劃
5 $60,000 $300,000 10 $51,000 $378,000 2.33% $540,000 4.39%
富衛盈∙歲悅
延期年金計劃
5 $60,000 $300,000 9 $51,000
$393,810 2.57% $520,700 4.18%
忠意豐盛稅悅保
延期年金
5 $60,000 $300,000 9 $51,000 $432,140 3.02% $565,030 4.53%
恒生保險「易入息」
延期年金計劃
5 $60,000 $300,000 8 $51,000 $413,480 2.85% $413,480 2.85%
永明豐碩
延期年金計劃
5 $60,000 $300,000 10 $51,000 $445,030 3.27% $546,030 4.43%
立橋「存」為未來(優越)
延期年金計劃
5 $60,000 $300,000 8 $51,000 $519,310 4.16% $519,310 4.16%
註:
1.產品以保險公司英文名稱排序。
2.產品以美元保單為基準,並折算成港元,一切以保險公司資料為準。
3.資料截至2021年12月14日。

扣稅+回報 保證IRR高見4.2%
 
有些投保人着重回本年,上述「恒生易入息」及「立橋存為未來」的保證回本年為8年,為7款產品中最短,期間扣稅總額為5.1萬港元。不過,我們並不鼓勵於回本年就退保,投保人在可行情況下應該繼續持有保單,直至提取所有年金。
 
由50歲開始獲發年金,屆60歲時年金已經完全派發,以保證累計派發年金計算,「立橋存為未來」為7款產品中最高(519,310港元),計及扣稅,保證內部回報率(IRR)為4.16%;緊隨其後為「永明豐碩」(445,030港元,IRR 3.27%)及「忠意豐盛稅悅」(432,140港元,IRR 3.02%)。
 
計及非保證回報的預期累計年金派發,7款產品中則以「忠意豐盛稅悅保」及「永明豐碩」最高,分別為565,030港元(IRR 4.53%)及546,030港元(IRR 4.43%)。
 
結論是,扣稅年金減少稅務開支是一大吸引之處,有助提升整體產品回報,投保人更應該等待保險公司派發年金至期滿,修成正果。

註:
1. 以上保費尚未包括保險業監管局收取的保費徵費。
2.資料截至2022年2月17日。僅供參考,並非銷售提議。

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10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorised insurance broker company licensed with the Insurance Authority under License Number FB1526. 10Life Product Comparison and 10Life Insurance Ratings are developed for generic customer segments using mathematical calculations based on product information, facts and data, and are not influenced by any partnerships with or fees received from insurance companies.

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