短期保險儲蓄計劃 : 防守性資產配置 (Chinese Article)

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10 Oct 2018
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10 Oct 2018

Estimated reading time 2 minutes



文:岑妙珠
認可財務策劃師 CFP

筆者曾在2017年2月在平台發表過相關文章,事隔十八個月再次受邀探討此題目,相信平台上的讀者水平已日漸提升,單純產品比較已經滿足不了。正確來說 它是一種資產配置的理財產品。貿易戰、人民幣貶值、新興市場貨幣危機、 滯脹、 政治因素等等不斷增加市場不確定性, 有人富貴險中求,有人越趨越保守,要求保本增值不能輸。 

從以下可以看出美金及港元3~6年內短期保險儲蓄計劃的保證回報, 此種理財產品有流動性風險, 提早贖回會有損失,但回報是否合理或吸引就需要跟同類型其他理財產品作一比較。



定期存款 :
目前,例如建設銀行智選理財的客戶1年定存利率如下,定存的理財產品是有再投資的風險, 因為期滿沒有辦法保證是否可以用更高利率去續期。 



政府年金 :



債券 :
另一種例如優質企業二手債券,入場門檻高,此類產品最大為違約風險,另外也不是保證保本,參考例子:



就算是保證回報或低風險,不同理財產品都各有優劣,管理預期, 找到自己的需要再配合適合的資產配置,以達到個人理財目標。

個案分享: 有位客人已經年近80,將收租物業放售套現,理財目標希望保本增值及保持高流動性以維持日常生活開支。 由於客人年事已高,中長期的計劃已經不適合,建議客人(家人)將資金分成三部分 : 第一部分,為一年生活費的流動現金 ;第二部分,為四年生活費作一年的定存,期滿後就預留下一年生活費,利息補償通脹或作備用現金,餘下續存一年定期,如此類推 ;第三部分,配置五年期短期儲蓄計劃, 替資產增值。其他收入例如高齡津貼則預留作醫療開支,五年之後,亦可以重覆方案但降低年期至3年。

市場風高浪急,管理預期,為資產配置早作準備。 

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Question: 短期保險儲蓄計劃 : 防守性資產配置 (Chinese Article)
岑妙珠
Even, Shum Miu Chu
恆泰 高級理財顧問
Answer:

理論與實踐要取平衡, 本人有理財專業知識及人生經驗,資歷為CFPCM認可財務策劃師,並擁有六年以上經驗, 歡迎友善討論。 

Responses from the advisors do not represent 10Life. 10Life will not bear any responsibilities nor make any warranty or guarantee for the accuracy, completeness and timeliness of the information or for any claims and/ or losses caused thereby.
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4.4
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249

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