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

10Life Team

20 May 2019
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10Life Team

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。

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Nik, Leung Tsz Kei

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Jack, Ng Wai Lap

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FTLife Agency Manager

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Even, Shum Miu Chu

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Philip, Lee Hon Lun

李漢麟

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Tony, Yeung Chun Fung

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FWD Life Wealth Planner

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Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
1173
274

Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
4096
626

Arthur, Law Wing Kai

羅永楷

10Life Financial Manager of Business Development

5
253
80

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1859
312

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1349
249

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1656
265

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1807
314

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1070
318

Edward, Lam Wing Chuen

林永泉

Convoy Senior Wealth Management Advisor

4.6
1558
263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1119
249

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