Top Guaranteed Returns on HKD Short Term Savings Insurance

Estimated reading time 7 minutes

10Life Team

19 May 2022
blog cover image
Share to Facebook
Share to Twitter
Share to LinkedIn
Share to Whatsapp
Copy URL

10Life Team

19 May 2022

Estimated reading time 7 minutes

綠色零售債券(簡稱綠債)完成發售。這項產品形式與通脹掛鈎債券(iBond)一樣,保底息率升至最少2.5%,與本地通脹水平掛鈎,每手10,000港元,年期3年。不過,短期儲蓄保險回報率亦不輸蝕。

港元短期儲蓄保險年期約3年至8年,部分5年保證內部回報率(IRR)更達到3%,而且可以按自身財務狀況選擇供款金額,更具彈性。

表:比較短期儲蓄保險產品(港元)(2022年4月)


保險產品
供款期
保單期
最低總供款額
港元
最高總供款額
港元
5年或更早期滿的保證內部回報率
期滿保證內部回報率
供款期
1年
保單期
5年
最低總供款額
港元
$60,000
最高總供款額
港元
$6,000,000
5年或更早期滿的保證內部回報率
3%
期滿保證內部回報率
3%
供款期
1年
保單期
8年
最低總供款額
港元
$20,000
最高總供款額
港元
$2,000,000
5年或更早期滿的保證內部回報率
2.82%
期滿保證內部回報率
3.09%
供款期
3年
保單期
8年
最低總供款額
港元
$20,000
最高總供款額
港元
$2,000,000
5年或更早期滿的保證內部回報率
2.61%
期滿保證內部回報率
3%
供款期
1年
保單期
3年
最低總供款額
港元
$60,000
最高總供款額
港元
$3,600,000
5年或更早期滿的保證內部回報率
2.52%
期滿保證內部回報率
2.52%
供款期
1年
保單期
3年
最低總供款額
港元
$1
最高總供款額
港元
$50,000
5年或更早期滿的保證內部回報率
2.5%
期滿保證內部回報率
2.5%
供款期
1年
保單期
3年
最低總供款額
港元
$20,000
最高總供款額
港元
$3,000,000
5年或更早期滿的保證內部回報率
2.38%
期滿保證內部回報率
2.38%
供款期
2年
保單期
3年
最低總供款額
港元
$20,000
最高總供款額
港元
$3,000,000
5年或更早期滿的保證內部回報率
2.26%
期滿保證內部回報率
2.26%
供款期
1年
保單期
5年
最低總供款額
港元
$40,000
最高總供款額
港元
$2,000,000
5年或更早期滿的保證內部回報率
2.2%
期滿保證內部回報率
2.2%
供款期
1年
保單期
5年
最低總供款額
港元
$80,000
最高總供款額
港元
$20,000,000
5年或更早期滿的保證內部回報率
2.2%
期滿保證內部回報率
2.2%
供款期
2年
保單期
5年
最低總供款額
港元
$40,000
最高總供款額
港元
$2,000,000
5年或更早期滿的保證內部回報率
2.16%
期滿保證內部回報率
2.16%
保險產品
政府綠色債券
供款期
不適用
保單期
3年
最低總供款額
港元
每手$10,000
最高總供款額
港元
每手$10,000
5年或更早期滿的保證內部回報率
保底息率2.5%,如果通脹高於2.5%,會按通脹水平定息
期滿保證內部回報率
保底息率2.5%,如果通脹高於2.5%,會按通脹水平定息
資料截至2022年5月19日。

在本港銀行定期存款年利率低企、環球市況波動下,提供穩定回報的港元短期儲蓄保險別具一番吸引力。上表短期儲蓄保險比較中,產品全是港元保單,且全部可於網上投保,供款期1年至3年不等,保單年期為3年至8年,期滿時保險公司會繳付保證現金價值。
 
10Life以整個現金流計算產品年化保證內部回報率。上表中,有10款產品5年保證IRR最少2%,當中最高的,是1年供款期的立橋人壽喜盈於「息」五年儲蓄守護保,其5年保證回報率達到3%。

至於另一款1年供款期的立橋人壽喜盈於「息」特級儲蓄保障計劃則緊隨期後,5年保證IRR為2.82%,8年期滿保證IRR則達3.09%,產品具有一定彈性。

保單年期3至8年 須注意流動性風險

 
值得留意,短期儲蓄保險若提早退保,通常會有一定損失,例如在投保一年後退保,大部分產品將錄得負回報,最誇張的首年退保保證IRR低至負19.62%。個別保險例如立橋人壽喜盈於「息」三年儲蓄守護保眾安人壽ZA儲蓄保富邦人壽3年儲蓄易網上保險計劃,首年退保毋須罰款,兼且有一定回報。

雖然短期儲蓄保險回報遠較銀行存款利率吸引,但始終與銀行存款有別,不受存款保障計劃保障,保險公司的營運及財務狀況將影響履行保單契約的能力,假如保險公司不幸未能履行保單的財務和合約義務,保單持有人或會損失所有已繳保費及保障。

最後,消費者如想比較不同貨幣的短期儲蓄保險產品,可瀏覽10Life網站的產品解碼器:

        • 比較短期儲蓄保險(美元) 
        • 比較短期儲蓄保險(港元) 

註:
1. 以上保費資料更新至 2022年5月19日,並未包括保險業監管局收取的保費徵費。
2. 本文最後更新日期: 2022年5月19日

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 .

Compare Short Term Savings

Instant Chat
Licensed advisors will address all your insurance queries
Please select advisors

Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.6
3982
611

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
1173
274

Arthur, Law Wing Kai

羅永楷

10Life Financial Manager of Business Development

5
245
80

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1850
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1345
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1645
263

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1764
308

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1058
313

Edward, Lam Wing Chuen

林永泉

Convoy Senior Wealth Management Advisor

4.6
1557
263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1114
249

Have an insurance question? Just ask!

  • Ask a question anytime, anywhere
  • Get response from multiple licensed advisors
  • Simply login with Email
You can choose to direct your question to a specific insurance company before submitting a question.
Please enter all the question field.
Sorry, the question was failed to send.
The question was successfully sent.
ExamplesHow to choose saving insurance?Do I need life insurance?What products cover unknown pre-existing conditions?
Share to Facebook
Share to Twitter
Share to LinkedIn
Share to Whatsapp
Copy URL

Further Readings

blog cover image
6 Things to Know About Medical Insurance
29 Jun 2022
High-end Medical
VHIS
blog cover image
Cancer Medical Insurance Comparison
27 Jun 2022
blog cover image
Comparing Home Insurance 2022
24 Jun 2022
Comparing Term and Whole Life Critical Illness Insurance 2022
Comparing Term and Whole Life Critical Illness Insurance 2022
24 Jun 2022
Critical Illness
Confirm to leave?

Compare Short Term Savings

Instant Chat
Licensed advisors will address all your insurance queries
Please select advisors

Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.6
3982
611

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
1173
274

Arthur, Law Wing Kai

羅永楷

10Life Financial Manager of Business Development

5
245
80

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1850
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1345
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1645
263

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1764
308

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1058
313

Edward, Lam Wing Chuen

林永泉

Convoy Senior Wealth Management Advisor

4.6
1557
263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1114
249
×
Ask Questions
No contact information needed. Anonymous questions, instant chat, and get opinions from licensed advisors.
Please sign up or login, instant anonymous questions!
Advisor Replies
Your question has been sent to licensed advisors.
No contact information needed. Anonymous questions, instant chat, and get opinions from licensed advisors.
Please sign up or login, instant anonymous questions!
My Advisors
No record with advisors.
Please sign up or login. No contact information needed, instant contact with advisors!
Instant Chat
Licensed advisors will address all your insurance queries
Please select advisors

Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.6
3982
611

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
1173
274

Arthur, Law Wing Kai

羅永楷

10Life Financial Manager of Business Development

5
245
80

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1850
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1345
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1645
263

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1764
308

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1058
313

Edward, Lam Wing Chuen

林永泉

Convoy Senior Wealth Management Advisor

4.6
1557
263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1114
249

We use cookies to give you the best possible experience on our website. By continuing to browse this site, you give consent for cookies to be used. For more details please read our Cookie Policy.