穩定有錢剩?保本又賺息?比較短期儲蓄保險 (Chinese Article)

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09 Oct 2018
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09 Oct 2018

Estimated reading time 2 minutes

恆生指數從年初高位回落,更跌穿26300點,觸及15個月來的低位,受著不明朗因素的衝擊,如貿易戰升溫、內地經濟放緩,強勢的熊市確實令不少投資者膽戰心驚。有部分投資者轉趨保守的理財工具,務求在波動的市況中保留實力。短期儲蓄保險既有保證回報,投資年期又不算長,向來有一班取向隱健的捧場客,這會不會吸引到您呢?

大多數保險公司的儲蓄保險都傾向長期,鼓勵受保人以時間慢慢去蘊釀財富。對於保險公司來說,短期儲蓄保險的利潤不高,所以市場上的產品真的寥寥可數,以下是短期儲蓄保險的回報比較。



  • 雖說短期儲蓄保險是「短期」,但亦涉及到幾年時間,受保人應於保單期內另備流動資金,應付必要時的開支。提早贖回保單會造成顯著的損失。
  • 美國已踏入加息周期,由於港元跟美元掛勾,香港的息口難守住不升,事實上,香港的銀行最近亦開始調高存款利率,部分定期存款的利率亦頗為吸引。當然,定期存款的利率僅於短時間內維持,期滿後再續期時的利率是升是跌,實在難以預測。假設相同年期,究竟將資金投放於短期儲蓄保險,還是定期存款,息口走勢便成關鍵。
  • 個別短期儲蓄保險產品或有銷售限額,夠數就停,供應期不定。 

保險公司產品網站連結
中國人壽
盛賞六年[ 請按此 ]
中國人壽
進盈五年[ 請按此 ]
中國人壽智息保儲蓄保險計劃[ 請按此 ]
富衛保險三連息儲蓄[ 請按此 ]
泰禾人壽泰尊寶[ 請按此 ]
永明金融翱翔[ 請按此 ]

我們亦曾向保險顧問查詢,短期儲蓄保險的產品供應,如有漏網之魚,請向我們提供資料。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。

以上部分的產品資料由恆泰高級理財顧問岑妙珠提供,詳情請參閱﹕[連結]

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