A Head Start for your Children - Savings Insurance for Overseas Education (Chinese Article)
10Life Team
| 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 |
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| 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) |
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| 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% |
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| 備註：
| ||||||
- 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%。
| 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： | ||||
- 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。
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