QDAP Comparison for Retirement Income during your Golden Age
10Life Team
- 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。
Disclaimer
10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorised insurance broker company licensed with the Insurance Authority under 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. None of the 10Life Information is intended, nor should they be considered or relied upon, as regulated advice, insurance, financial, investment or professional advice, recommendation, approval, endorsement, invitation or solicitation in respect of any 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, and is not sufficient to form the basis of any decisions to purchase any insurance products. You should rely on information authorised by insurance companies, carry out your own research and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While reasonable 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, claim or loss arising from or associated with you using 10Life Information. No warranty, representation or guarantee is given by 10Life Group and its subsidiaries 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 FacebookLogin by Email
Continue with FacebookSign up by Email
Continue with FacebookSign up by Email
