Market Comparison on QDAP Tax Savings Returns on Aug 2020 (Chinese Article)
- 保費總額最少為18萬元，供款期最少5年
- 年金領取期最短為10年
- 年金領取人須年屆50歲或以上才可領取年金
- 須披露產品的內部回報率（IRR）
- 清楚列明年金的保證金額和非保證金額
- 附加保障（例如危疾保障、住院現金等）的保費須與合資格延期年金的保費清楚分開計算
| 保險公司/ 合資格延期年金保單 |
入息期 | 保證回本年 | 於60歲 保證內部回報率 GIRR (未計扣稅) |
於60歲最高 保證內部回報率 IRR3,4 (基於17%稅階計算) |
||
| BOC Life 中銀人壽延期年金計劃 (固定年期) |
50歲至59歲 | 8 | 2.9% | 5.2% | ||
| Hang Seng Insurance 「易入息」延期年金計劃 (100%全保證) | 55歲至69歲 | 8 | 2.0% | 4.4% | ||
| China Taiping 太平賦裕延期年金計劃 |
50歲至64歲 |
12 | 1.5% | 3.6% | ||
| FWD 盈∙歲悅延期年金計劃 |
50歲至59歲 | 9 | 0.6% | 3.0% | ||
| Sun Life 豐碩延期年金計劃 |
50歲至64歲 | 10 |
1.4% |
3.0% |
||
| YF Life 萬通延期年金 |
55歲至64歲 | 12 | 1.1% | 2.7% | ||
| AXA 「賞豐盛」延期年金計劃 |
55歲至64歲 | 10 | 0.7% | 2.2% | ||
| AIA AIA延期年金計劃 |
55歲至64歲 | 14 | 0.3% | 1.9% | ||
| 備註：
| ||||||
- QDAP（儲蓄）﹕著重中期的儲蓄回報（遠早於一般的退休年齡開始年金收入）。
- QDAP（退休）﹕重視退休後中長期的退休規劃（一般的退休年齡開始年金收入，可篩選10年或20年的入息期）。
- QDAP（長壽）﹕注重對沖長壽風險（一般的退休年齡開始年金收入，派發期較長，更甚者可派終身）。
- 投由於稅務優惠措施並不涉及退稅，所以嚴格來說，QDAP稱為「扣稅年金」較為名副其實。
- 假設投保人每年供款港幣6萬，供款5年，繳交最高的17%稅率。
- 就計算保證回本年的IRR，我們除了考慮年金產品的結構外，還假設：
a) 投保人每年供款港幣6萬，供款5年，繳交最高的17%稅率。
b) 鑒於購買年金與稅務扣減存在若1年差距，退務寬免在繳納保費後的1年開始。 - 以上資訊由10Life提供，更新至 2021年8月4日，僅供參考，並非銷售建議。
Disclaimer
10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorised insurance broker with Insurance Authority 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 and should not be constituted as any insurance, financial, investment or other professional advice or solicitation to buy 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. You should only rely on information authorised by insurance companies and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While best 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 arising from using 10Life Information or for any claims and/or losses caused thereby, and no warranty or guarantee is made on the accuracy, completeness and timeliness of the information.
If you have any questions on 10Life Product Comparison and 10Life Insurance Ratings, please email us at enquiries@10life.com
Have an insurance question? Just ask!
- Ask a question anytime, anywhere
- Get response from multiple licensed advisors
- Simply login with Email
Further Readings
Continue with Facebook
