A Head Start for your Children - Savings Insurance for Overseas Education (Chinese Article)

Estimated reading time 7 minutes

10Life Team

11 Aug 2020
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10Life Team

11 Aug 2020

Estimated reading time 7 minutes

政治氣候再次燃起香港人移民熱潮,但舉家移民資金門檻非常高、也要重新適應新環境,實在談何容易,所以不少父母退而求其次,考慮讓子女到外國升讀大學,作為將來海外就業或移民的踏腳石。不過往外國升學的學費及生活費也很高,「孝順」的中產父母或需及早儲錢,所謂「教育基金」,就是看準這個市場的儲蓄保險。10Life比較市場上標榜教育基金的儲蓄保險,包括AIA友邦「摯愛孩子」教育計劃、Prudential保誠「童創未來」教育儲蓄保險及恒生「愛·伴您行」教育人壽保險計劃,比較產品如何幫助子女讀大學期間的學費及生活費,以及其整體回報,好讓父母有更明確的預算。

教育基金,通常重點在於應付子女讀大學期間的學費及生活費,所以,大家要留意儲蓄保險在子女18至21歲這4年期間的回報。友邦「摯愛孩子」、保誠「童創未來」及恆生「愛·伴您行」,於子女就讀大學時期,即18,19,20,21歲時(共4年),派發保證金額。

由於海外升學的費用不輕,所以投保人要有足夠的時間去滾存,否則投入的供款就要更多。假設投保人於子女0歲開始供款,根據上述產品提供最接近的供款期作比較,保誠「童創未來」的供款期為10年,友邦「摯愛孩子」需供款8年,而恆生「愛·伴您行」的供款期較短只得5年,以下是產品之回報表現﹕

比較友邦、保誠、恆生「教育基金」之保證現金及回報

保險產品 保誠「童創未來」教育儲蓄保 友邦「摯愛孩子」教育計劃 恒生「愛·伴您行」教育人壽保險計劃
投保時子女年齡
每年供款 (美元)
供款期 (年)
總供款 (美元)
0歲男孩
39,421
10
394,210
0歲男孩
42,362
8
338,896
0歲男孩
68,677
5
343,387
目的﹕供子女入讀大學(假設於子女18, 19, 20, 21歲,需每年提取現金)

保證可提取現金 (4年合共,美元)

預期可提取現金 (4年合共,美元)


380,000

380,000


380,000

380,000
(假設非保證現金於21歲時取出)

380,000

380,000
(假設非保證現金於21歲時取出)
可否於21歲後繼續滾存?
 若於21歲退保 
保證退保價值(美元)
保證內部回報率 (IRR)
預期退保價值(美元)
預期內部回報率 (IRR)
可以於21歲退保,或選擇繼續滾存

57,836
0.7%
318,402
3.7%
保單於21歲時完結

0
0.7%
192,435
3.3%
保單於21歲時完結

0
0.6%
230,149
3.2%
 
  備註:
  1. 以上資料更新至2020年8月4日,僅供參考,並非銷售建議。
  2. 上述教育計劃的保單貨幣為美元。

大學期派發之保證現金與供款總額相若

從上表看,若要得到相同的現金(38萬美元)作為子女18至21歲期間的教育儲備,保誠「童創未來」要求投保人總供款39萬美元,至於友邦「摯愛孩子」及恆生「愛·伴您行」的總供款約34萬美元,不過,後兩者供款期較短,相對的滾存期亦稍長。在子女18至21歲這4年,這些產品均每年派發保證現金,應付教育開支。有趣的是,這些保證現金與供款總額相若。

當然,大家期望儲蓄保險的回報多於供款,這些產品會在投保人退保時給予非保證金額,所以我們還要比較它們的退保價值,才可計算回報。假設投保人在子女21歲時退保(大概大學畢業)﹕

  • 於子女21歲時,友邦「摯愛孩子」及恆生「愛·伴您行」只提供退保的選擇,屆時投保人得到非保證回報。至於包含保證及非保證回報的預期內部回報(IRR),恆生「愛·伴您行」就有3.2%,而友邦「摯愛孩子」只有3.0%;
  • 若同以21歲退保,保誠「童創未來」預期內部回報(IRR)為3.7%,當中有保證及非保證成份。不過,「童創未來」可讓投保人選擇保留保單,繼續滾存下去,應付其他重要人生階段的開支,這些回報為非保證性質,假如子女於30歲時結婚置業,屆時才退保,預期內部回報(IRR)為4.1%。

想海外讀大學 教育基金要儲幾多錢?

如果我們以上述教育基金,作為為子女準備海外升學的唯一工具,家長又需要儲蓄多少錢?假設於英國、澳洲、美國升讀大學的學費及生活費,現時一年需約40萬至50萬港元,以通脹率2.4%計,若子女今年0歲,視乎供款年期(5至10年),預計現時每月要供2萬多至4萬多港元,才足夠應付子女18至21歲時的將來開支,詳見下表﹕

保誠及友邦「教育基金」﹕海外升讀大學之預計供款

保險產品 保誠
童創未來」教育儲蓄保
友邦
「摯愛孩子」教育計劃
恒生
「愛·伴您行」教育人壽保險計劃
保證內部回報率 (IRR)
預期內部回報率 (IRR)
通脹率
0.7%
3.7%
2.4%
0.7%
3.3%
2.4%
0.6%
3.2%
2.4%
假設籌備子女前往以下國家升讀大學,基於以上回報,投保人需每月供款
投保時子女年齡
供款期 (年)
入讀大學年期
0歲男孩
10
18-21歲 (4年)
0歲男孩
8
18-21歲 (4年)
0歲男孩
5
18-21歲 (4年)
                    海外升學國家 預計每月供款 (港元)#

英國


澳洲


美國


每年大學學費及生活費(現值)#
HK$425,000

每年大學學費及生活費(現值)#
HK$440,000

每年大學學費及生活費(現值)#
HK$475,000
HK$22,522


HK$23,317


HK$25,172
HK$24,257


HK$25,113


HK$27,111
HK$39,237


HK$40,622


HK$43,853
備註:
  • 海外升學國家之大學學費及生活費(現值)資料,僅供參考,受所選的大學及生活模式影響。
  • 10Life根據海外升學國家之大學學費及生活費(現值),並假設通脹率為 2.4%,預計將來所需金額,再以產品之保證現金及回報率,從而這預計每月供款。
  • 以上資料更新至2020年8月4日,僅供參考,並非銷售建議。

  • 本文比較了以標榜孩子教育為目標的保險產品回報,說到底,它們也是終身儲蓄人壽保險,市場也有不少儲蓄保險可作為「教育基金」,由於篇幅有限,將來再談。


    10Life比較了市場上多個儲蓄保險產品,大家可以瀏覽我們的《產品解碼器》,了解產品的保證及預期回報。如有疑問,可透過10Life網站內「查詢」及「匿名問問題》,即時得到持牌顧問的回覆。

    註﹕

    1. 以上資訊由10Life提供,更新至2020年8月4日,僅供參考,絕非銷售建議。 

    Disclaimer

    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.

    Any information on 10Life Platform ("10Life Information"), including but not limited to Product Comparison, Product Ratings, Blog Articles are intended for general education purpose and reference only. None of the 10Life Information is intended, nor should they be considered or relied upon, as regulated advice, insurance, financial, investment or professional advice, recommendation, approval, endorsement, invitation or solicitation in respect of any insurance, financial or investment products. 10Life Information does not take into account your individual needs. Reading 10Life Information should not be considered as conducting a suitability assessment, and is not sufficient to form the basis of any decisions to purchase any insurance products. You should rely on information authorised by insurance companies, carry out your own research and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While reasonable effort is used when collecting, validating and updating 10Life Information from various channels, none of 10Life Group and its subsidiaries, affiliates, agents, directors, officers and employees will be responsible for any liability, claim or loss arising from or associated with you using 10Life Information. No warranty, representation or guarantee is given by 10Life Group and its subsidiaries on the accuracy, completeness and timeliness of the information.

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