短期儲蓄保險 VS「變種延期年金」回報比拼 (Chinese Article)

Estimated reading time 3 minutes
26 May 2019
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26 May 2019

Estimated reading time 3 minutes

最近市場上有合資格延期年金產品﹙QDAP﹚- 中銀人壽延期年金計劃(固定年期)
供完5年後退保即回本,令高收入的投保人可於供款期間賺盡扣稅額,帶來不俗的回報,這個「變種延期年金」變相帶來類似短期儲蓄保險的效果,引來不少讀者的興趣。若以短期供款即回本賺息為目的,究竟「變種延期年金」還是短期儲蓄保險,哪一樣較為著數?大家又有什麼注意?保險比較平台10Life為大家逐一拆解。

比較內部回報率
當比較「變種延期年金」及短期儲蓄保險時,我們會計算產品的保證內部回報率﹙IRR﹚。

「變種延期年金」依靠扣稅當作供款期滿即退保的回報,其回報因應邊際稅階而定,如以最高的邊際稅階17%來講,其內部回報率為5.9%,但如投保人的收入較低,邊際稅階不及17%,便會令慳稅金額減少,內部回報率有所下降。以下不同稅率下,以每年6萬元投保「中銀人壽延期年金計劃(固定年期)」所計算的「內部回報率」

減去所有免稅額後的
應課稅收入
邊際稅階
每年
慳稅金額
「變種延期年金」的
「內部回報率」^
$120,000
6%, 10%
$4,400
2.5%
$180,000
10%, 14%
$7,200
4.1%
$240,000
14%, 17%
$9,600
5.5%
$300,000
17%
$10,200
5.9%


^內部回報率之計算﹕假設45歲男士投保「中銀人壽延期年金計劃(固定年期)」,於五年供款期滿後即退保,並以「合資格延期年金」的扣稅額當作保單的回報。

至於現時市場上的短期儲蓄保險,期滿年期大概3-6年,不同產品的保證內部回報率各有不同,詳情如下:


延期年金本為退休,避稅實非重點
目前市場上短期儲蓄保險普遍的內部回報率約2.7-3.8%,低於「變種延期年金」的扣稅回報,這樣,是不是代表「變種延期年金」更可取?大家需留意……
  • 「合資格延期年金」的扣稅上限為每年6萬元,要達致最大的「內部回報率」,「變種延期年金」的每年供款額不宜超越6萬元,否則,多出的供款便不能享有扣稅優惠,拖累整體內部回報率;
  • 短期儲蓄保險以及「變種延期年金」均設有「入場門檻」,短期儲蓄保險產品的入場年保費介乎幾千至十幾萬不等,而中銀人壽「變種年金」的入場門檻則為每年港元36,000;
  • 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)。

10Life亦比較了市面上各款延期年金產品,詳情可以瀏覽我們的年金《保險解碼器》

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