Understand Your Risk Preference for Savings Insurance (Chinese Article)

Estimated reading time 3 minutes

10Life Team

26 Aug 2021
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10Life Team

26 Aug 2021

Estimated reading time 3 minutes

香港大多數人都有儲蓄習慣,以達到長旅行、子女升學、創業、退休等理財目標。儲蓄保險是普及的理財工具,但不等於適合所有人——有些產品著重保證回報,有些注重預期回報,而有些保證及預期回報皆著重。因此,在投資之前,必須弄清楚自己的儲蓄目標、儲蓄年期,以及風險取向。今天10Life就跟大家談談產品的風險取向類別。

3種產品風險取向:保守型、增長型、進取型

儲蓄保險回報,一般分為保證回報及預期回報。保證回報,即保險公司承諾向客戶提供的最低回報,受保單(合約)約束;預期回報則包括保證及非保證回報,而非保證回報受經濟環境、保險公司盈利及分紅政策影響。為了更有效掌握產品的回報波動性,10Life進一步將預期回報分為兩類:

  • 預期回報(基本):按保險公司現時預計的投資回報計算。
  • 預期回報(悲觀):取自參考銷售說明文件中的 「悲觀情景」。「悲觀情景」是保險公司按「現時預計」的投資回報的第25百分位數計算,並假設其他相關因素(如索償經驗、開支、續保率等)維持不變。

我們先將產品的保證回報、預期回報(基本)及預期回報(悲觀)逐一評分,進而按讀者的風險取向,依據產品不同的回報評分,計算產品的「保守型儲蓄」、「增長型儲蓄」、「進取型儲蓄」評分(見註1),以便讓用戶更容易分辨產品風險取向:



保證回報
評分
預期回報
(悲觀)評分
預期回報
(基本)評分
保守型儲蓄評分
90% 10% 0%
增長型儲蓄評分 0% 90% 10%
進取型儲蓄評分 0% 10% 90%

歡迎利用10Life《產品解碼器》比較儲蓄保險:



如何判斷自己的風險取向?

在判斷自己的風險取向時,需考慮一連串因素,包括年齡、投資目標、投資經驗、收入、資產及對回報波動的敏感度等。以今年35歲的Joe為參考例子,他於銀行擔任文職,兒子剛出世。他打算儲一筆錢,讓兒子未來負笈海外。由於銀行存款利率長期低迷,買股票存在虧損風險。相反,儲蓄保險提供保證及預期回報,吸引了Joe的注意。在選擇儲蓄保險類型時,Joe考慮到今次投資是為子女升學作準備,不容有失,所有他選擇保守型儲蓄保險,並用利用10Life《產品解碼器》比較產品的回報和評分。

上文只是概要地討論如何按風險取向挑選儲蓄保險,由於部份儲蓄保險年期較長,如因突發資金需要而提早退保,取回的現金價值或低於所繳付的保費,因此投保前宜了解個人需要及財政能力。如想比較儲蓄保險,歡迎利用10Life《產品解碼器》:


伸延閱讀:

註:

  1. 詳情請參閱評分方法
  2. 以上資訊由10Life提供,更新至2021年8月30日,僅供參考,並不是銷售提議。 

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 .

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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
4002
611

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

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Arthur, Law Wing Kai

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10Life Financial Manager of Business Development

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Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1852
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1348
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1646
263

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1769
309

Mabel, Siu Sin Wan

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FTLife Wealth Management Director

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1116
249
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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
4002
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
1852
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1348
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1646
263

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1769
309

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1062
314

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
1116
249

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