Retirement Planning with QDAP (Comparing QDAP products of multi-national insurers)
10Life Team
| 10Life比較扣稅年金 | 保證入息（美元） | 預期入息（美元） | ||||||
| 65至74歲 | 75至84歲 | 總入息 | 總入息佔已繳保費 | 65至74歲 | 75至84歲 | 總入息 | 總入息佔已繳保費 | |
| 安盛「賞豐盛」 延期年金計劃 |
55,224 | 55,224 | 110,448 | 142% | 110,448 | 110,448 | 220,896 | 283% |
| 宏利歲稅樂享 延期年金 |
59,596 | 59,596 | 119,193 | 153% | 109,903 | 109,903 | 219,805 | 282% |
| 保誠「雋逸人生」 延期年金計劃 |
54,596 | 54,596 | 109,192 | 140% | 83,389 | 83,389 | 200,208 （註1) |
257% |
| 永明金融豐碩 延期年金計劃 |
71,821 | 71,821 | 143,642 | 184% | 93,844 | 104,660 | 198,504 | 254% |
註： 1.保誠「雋逸人生」延期年金計劃的受保人於85歲時獲派發預期終期紅利33,430美元。 2.以上保費資料更新至2022年3月1日，並未包括保險業監管局收取的保費徵費。 |
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| 10Life比較扣稅年金 | 期滿保證內部回報率 | 總保證入息佔扣稅後總保費 | 期滿預期內部回報率 | 總預期入息佔扣稅後總保費 | ||
| 未計扣稅 | 計入扣稅(以17%稅率) | 未計扣稅 | 計入扣稅(以17%稅率) | |||
| 安盛「賞豐盛」 延期年金計劃 |
1.4% | 2.1% | 170% | 4.3% | 5.0% | 340% |
| 宏利歲稅樂享 延期年金 |
1.7% | 2.4% | 184% | 4.2% | 5.0% | 339% |
| 保誠「雋逸人生」 延期年金計劃 |
1.3% | 2.1% | 168% | 3.6% | 4.3% | 308% |
| 永明金融豐碩 延期年金計劃 |
2.5% | 3.2% | 221% | 3.8% | 4.5% | 306% |
|
註：
1.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，我們假定稅務寬免在繳納保費後的1年開始。
2.香港稅務局的邊際稅率為2%、6%、10%、14%和17%，上述假設獲得6萬港元免稅額，並以最高稅率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。 3.以上保費資料更新至2022年3月1日，並未包括保險業監管局收取的保費徵費。
|
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| 10Life比較扣稅年金 | 早期退保價值佔已付保費 | 早期身故賠償佔已付保費 | ||
| 於55歲 | 於65歲 | 於55歲 | 於65歲 | |
| 安盛「賞豐盛」 延期年金計劃 |
84% | 107% | 101% | 107% |
| 宏利歲稅樂享 延期年金 |
84% | 106% | 100% | 106% |
| 保誠「雋逸人生」 延期年金計劃 |
51% | 93% | 105% | 105% |
| 永明金融豐碩 延期年金計劃 |
90% | 138% | 100% | 138% |
|
註：
1.以上保費資料更新至2022年3月1日，並未包括保險業監管局收取的保費徵費。
|
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