短期儲蓄保險 市場比較一覽(2019年5月更新)(Chinese Article)

Estimated reading time 3 minutes
20 May 2019
blog cover image
Share to Facebook
Share to Twitter
Share to LinkedIn
Share to Whatsapp
Copy URL

20 May 2019

Estimated reading time 3 minutes

中美貿易戰雲密佈,股市動盪,不少人都尋求穩定的投資策略,儲蓄保險讓資金滾存生息,在當時局勢別具吸引。不過一般儲蓄保險保單動徹長達十幾年供款才賺錢,您未必想等。十幾年時間是慢長,那麼,有沒有一些短時間就穩賺的產品?10Life特就意搜羅了市面上現正有售的短期儲蓄保險,不如大家都睇吓有無產品啱你!

現時市場上多個短期儲蓄保險,入場門檻低至港幣6000元一年,供款期介乎1至3年,期滿需時約3至6年,保證內部回報率2.71%至3.81%,詳見下表﹕



產品連結:

中國人壽(海外)盛賞六年儲蓄保險計劃(金裝版):
中國人壽(海外)智息保儲蓄保險計劃
中銀人壽 目標三年網上儲蓄保險計劃
匯豐保險 滙昇儲蓄保險計劃
泰禾人壽 泰富保2儲蓄保障計劃

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。
  • 若果息口上升,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。

短期儲蓄保險一向受市場歡迎,但對保險公司來說,短期儲蓄保險的利潤通常很低,所以供應有限,夠數即止。聽聞這些產品會引來保險內行人、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。由於「機會稍縱即逝」,所以如果有意購買,讀者都要留意返各產品「仲有無貨」。我們亦無法知道何時售罄。

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。 

Have an insurance question? Just ask!

  • Ask a question anytime, anywhere
  • Get response from multiple licensed advisors
  • Simply login with Email
Please enter all the question field.
Sorry, the question was failed to send.
The question was successfully sent.
ExamplesHow to choose saving insurance?Do I need life insurance?What products cover unknown pre-existing conditions?
Share to Facebook
Share to Twitter
Share to LinkedIn
Share to Whatsapp
Copy URL

Further Readings

blog cover image
7 ILAS Plans Compared in 12 Different Scenarios
16 Nov 2021
ILAS
blog cover image
How would your medical history affect life insurance underwriting?
15 Nov 2021
Term Life Insurance
blog cover image
Not only Full Coverage? Exploring the superior features of High End Medical (Updated Oct 2021) (Chinese Article)
12 Nov 2021
High-end Medical
Whole Life Savings Insurance Comparison: Coverage Could Differ By More Than 60% | 10Life
Whole Life Savings Insurance Comparison: Coverage Could Differ By More Than 60%
05 Nov 2021
Confirm to leave?
×
Ask Questions
No contact information needed. Anonymous questions, instant chat, and get opinions from licensed advisors.
Please sign up or login, instant anonymous questions!
Advisor Replies
Your question has been sent to licensed advisors.
No contact information needed. Anonymous questions, instant chat, and get opinions from licensed advisors.
Please sign up or login, instant anonymous questions!
My Advisors
No record with advisors.
Please sign up or login. No contact information needed, instant contact with advisors!
Find Advisors
Over one thousand advisors provide you with insurance advice
Please sign up or login. No contact information needed, instant search advisors!