Market Comparison on QDAP Tax Savings Returns on Aug 2020 (Chinese Article)
10Life Team
- 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。
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