短期儲蓄保險 VS「變種延期年金」回報比拼 (Chinese Article)
- 將「變種延期年金」當短期儲蓄賺扣稅，回報全賴扣稅額，但是，政府扣稅優惠的目的是鼓勵市民提早為退休作準備，並非讓大家利用稅務漏洞搵著數，所以，如果政府修改稅務優惠，投保人或會大失預算。因此，大家應了解延期年金產品的長遠回報，以及退休保障。如投保人選擇繼續持有保單15年至終結，並定期獲得年金入息，保證內部回報率則為5.1% (以17%邊際稅率計)。
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