[Buying Insurance] What Slashers Need to Know (2) (Chinese Article)

Estimated reading time 3 minutes
22 Dec 2021
[Buying Insurance] What Slashers Need to Know (2)  |  10Life
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22 Dec 2021

Estimated reading time 3 minutes

香港不少Slash以接Freelance為生,好景時收入相當可觀,但淡季時則接近零,收入穩定性不及一般打工仔,儲蓄觀念相對薄弱,導致退休生活有機會出現巨大保障缺口。事實上,他們應該未雨綢繆,盡早制定儲蓄計劃、規劃退休。10Life今天便跟大家談談Slash應該如何理財。

很多時候Slash都沒有供強積金(MPF)。其實根據法例規定,只要是年齡介乎18至65歲,無論是受僱還是自僱,只要提供服務或商品以獲得收入,都需要供MPF。不過,假如有關入息每月低於7,100港元或每年低於85,200港元,則毋須供款。

MPF屬退休支柱之一

供MPF不單是法例要求,亦是Slash非常重要的退休支柱,應該積極參與,為退休生活做好準備。除此以外,更可以考慮作出可扣稅自願性供款(TVC)——TVC是MPF一種,供款可以因應個人情況隨時增加、減少、停止或重新開始,靈活性高,並且有扣稅功能——與合資格延期年金(QDAP)保費合計,每個課稅年度扣稅上限為60,000港元。

當然,Slash是否要在MPF以外再買TVC,需視乎其收入穩定性以及資產流動性,因為與MPF一樣,TVC不能於65歲前提取(符合法例訂明的特定情況除外)。另外,TVC內的基金回報沒有保證,Slash必須承受投資風險。

QDAP與儲蓄保險助退休

除了MPF及TVC,上述提及過的QDAP亦是Slash可考慮部署退休的工具之一。QDAP由於提供扣稅誘因,又俗稱「扣稅年金」,並提供保證以及非保證回報。如果考慮扣稅效應,產品回報率將進一步上升。市面上年金產品可分為3種目的,包括儲蓄、退休、長壽,供款期通常為5至10年。

至於短期儲蓄保險產品,一般供款期為1至3年,提供保證回報,入場門檻低,回報率比一般銀行定期存款利率高。目前還有少數產品提供靈活退保選項,平衡投資回報及流動性風險。

然而,值得留意的是,短期儲蓄保險及QDAP涉及定期供款,收入不穩的Slash須先審視自己入息情況才投保。如果提早退保,所得的款項或低於已繳付保費。Slash也可以運用10Life保險解碼器比較保險產品:

延伸閱讀:

  1. 【買保險不求人】Slash應該優先買哪種?有甚麼要注意?(一)
  2. 【短期儲蓄保險比較2021】保證回報與流動性 不一定得此失彼?
  3. 比較扣稅年金QDAP懶人包2021

註:以上資訊由10Life提供,更新至2021年11月30日,僅供參考,並不是銷售提議。

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Jack, Ng Wai Lap

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AXA Unit Manager

4.7
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606

Nik, Leung Tsz Kei

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10Life Financial Manager, Insurance Specialist

4.9
1173
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Winnie, Ng Wai King

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FTLife Agency Manager

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Even, Shum Miu Chu

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恆泰 高級理財顧問

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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
3933
606

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.9
1173
274

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1845
308

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1341
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1639
261

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1750
304

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1053
312

Edward, Lam Wing Chuen

林永泉

Convoy Senior Wealth Management Advisor

4.6
1557
263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1113
249

Liu Lai Ting

廖麗婷

FWD Senior Branch Manager

4.7
1399
208

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