Understand Your Risk Preference for Savings Insurance

Estimated reading time 3 minutes
27 Aug 2021
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27 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。 

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