短期儲蓄保險 真係咁搶手?(Chinese Article)

Estimated reading time 2 minutes
14 Feb 2018
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14 Feb 2018

Estimated reading time 2 minutes

上星期五,恆指從高位急挫,收市跌穿三萬點,市場彷彿從亢奮中猛然一驚,深恐熊市回朝。股市驚濤駭浪,未必人人承受得起,有什麼相對地穩健的理財工具呢?大家平時未必留意,連保險公司亦甚少宣傳--短期儲蓄保險,其賣點是供款期短、穩定回報,在這個波動的市況下,會不會為資金另覓出路呢?


一般來說,保險公司著重長線的儲蓄產品,讓受保人用長時間令財富升值,僅少數保險公司推出短期儲蓄保險,原因很簡單,對保險公司來說,短期儲蓄保險的利潤通常很低,通常是限時供應,夠數即止;卻聽聞引來保險內行人、精算師的興趣,部分保險中介人、或銀行銷售員,都只推介給熟客。


10Life 搜尋了市場多個短期儲蓄保險,入場門檻低至港幣<30,000元﹙每年﹚,供款期介乎1至3年,期滿需時約3至6年,保證年化回報率 1.38%至3.28%,它們來自中國人壽、中銀人壽及富衛,詳見下表﹕

 

雖然短期儲蓄保險相對穩定,但投資涉及風險,短期儲蓄保險也不例外,大家需衡量潛在風險﹕

  • 所謂「短期」其實都牽涉數年的時間,如於保單期滿前提前取錢,可能導致取回金額大幅低於已繳保費。所以,大家需有充足流動資金,應付突發事情,盡量避免保險產品期滿前取錢。
  • 如您所持有的主要貨幣,並不是保險產品的貨幣單位,兩者貨幣匯率的變動,均影響您的應付保費及整個保單價值,尤其當保險產品的貨幣大幅貶值時。
  • 美國已進入加息周期,若加息步伐加快,香港亦不得不跟隨,息口上升,屆時的儲蓄或定期利率亦會向上。但上述短期儲蓄保險的保證回報率是固定的,不會隨市況調高。


短期儲蓄保險產品的供應期有限,我們無法知道何時售罄。如閣下想了解更多,可於10Life app內「匿名問問題」,即時得到多個持牌顧問的回覆。


以上產品資料由以下顧問提供:
鐶安財務策劃 梁芷萁
民眾卓越財富管理 周式琪

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