QDAP Comparison for Retirement Income during your Golden Age
- 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）
| 延期年金產品 | 供款期 | 總供款 (美元) |
總保證入息 | 期滿保證內部回報率IRR | ||
| 未計扣稅 | 計算扣稅 (以17%稅率) |
|||||
| AIA 友邦 AIA延期年金計劃 |
5年 | 39,000 | 56,366 | 1.6% | 2.4% | |
| AXA 安盛 「賞豐盛」延期年金計劃 |
10年 | 78,000 | 100,152 | 1.2% | 2.1% | |
| Generali 忠意香港
「豐盛稅悅保」延期年⾦ |
10年 | 78,000 | 130,928 | 2.5% | 3.4% | |
| Sun Life 永明金融 豐碩延期年金計劃 |
10年 | 78,000 | 124,747 | 2.3% | 3.2% | |
| YF Life 萬通 萬通延期年金 |
10年 | 78,000 | 117,861 | 2.0% | 2.9% | |
| 備註： 1. 有關產品資料更新截至2021年2月8日。 2. 假設投保人為45歲男性，每年供款7,800美元；入息期為65歲至75歲；有關保費可獲得稅務寬免，每年免稅額上限為港幣60,000元（相等於7,800美元）。 3. AIA延期年金計劃的供款期為5年，其他QDAP的供款期則為10年。 4. 鑒於購買年金與稅務扣減存在若1年差距，於計算上述回內部回報率時，我們假定退務寬免在繳納保費後的1年開始。 5. 香港稅務局的邊際稅率為2%、6%、10%、14%和17%，本圖以最高稅率17%來計算。但實際可節省的稅款金額需根據個人情況 而定，並可能與個案中所述的金額有所不同。 6. 10Life以不同途徑搜集保險公司的公開資料，透過數據及數學運算，計算出上述資訊。數字僅供參考，並沒有考慮您的個人需要，絕對不是銷售建議。用戶投保前，應與持牌保險顧問商討適合自己的保險方案。 | ||||||
- 以上資訊由10Life提供，僅供參考，並不是銷售提議。以上資料更新至 2021年2月8日。
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