Retirement Planning Made Easy - 5 Steps to Compare QDAP from AIA, Manulife and Prudential
每逢稅季臨近,俗稱「扣稅年金」的合資格延期年金保單(QDAP)廣告鋪天蓋地。面對不同產品,大 ... >>
9.8/10 | 2.9% | 2.9% | 8 |
10Life Rating Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details | Age 60 Guaranteed IRR Guaranteed Internal Rate of Return surrendering at age 60 | Age 60 Projected IRR Projected Internal Rate of Return surrendering at age 60 | Guaranteed Breakeven Year |
9.8/10 | 2.9% | 2.9% | 8 |
10Life Rating Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details | Age 60 Guaranteed IRR Guaranteed Internal Rate of Return surrendering at age 60 | Age 60 Projected IRR Projected Internal Rate of Return surrendering at age 60 | Guaranteed Breakeven Year |
9.5/10 | 2.2% | 2.2% | 8 |
10Life Rating Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details | Age 60 Guaranteed IRR Guaranteed Internal Rate of Return surrendering at age 60 | Age 60 Projected IRR Projected Internal Rate of Return surrendering at age 60 | Guaranteed Breakeven Year |
9.4/10 | 2.0% | 2.0% | 8 |
10Life Rating Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details | Age 60 Guaranteed IRR Guaranteed Internal Rate of Return surrendering at age 60 | Age 60 Projected IRR Projected Internal Rate of Return surrendering at age 60 | Guaranteed Breakeven Year |
9.1/10 | 1.9% | 1.9% | 8 |
10Life Rating Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details | Age 60 Guaranteed IRR Guaranteed Internal Rate of Return surrendering at age 60 | Age 60 Projected IRR Projected Internal Rate of Return surrendering at age 60 | Guaranteed Breakeven Year |
8.8/10 | 0.6% | 2.1% | 9 |
10Life Rating Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details | Age 60 Guaranteed IRR Guaranteed Internal Rate of Return surrendering at age 60 | Age 60 Projected IRR Projected Internal Rate of Return surrendering at age 60 | Guaranteed Breakeven Year |
8.2/10 | 0.7% | 2.3% | 13 |
10Life Rating Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details | Age 60 Guaranteed IRR Guaranteed Internal Rate of Return surrendering at age 60 | Age 60 Projected IRR Projected Internal Rate of Return surrendering at age 60 | Guaranteed Breakeven Year |
8.2/10 | 0.4% | 2.4% | 13 |
10Life Rating Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details | Age 60 Guaranteed IRR Guaranteed Internal Rate of Return surrendering at age 60 | Age 60 Projected IRR Projected Internal Rate of Return surrendering at age 60 | Guaranteed Breakeven Year |
7.9/10 | -0.2% | 1.8% | 16 |
10Life Rating Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details | Age 60 Guaranteed IRR Guaranteed Internal Rate of Return surrendering at age 60 | Age 60 Projected IRR Projected Internal Rate of Return surrendering at age 60 | Guaranteed Breakeven Year |
QDAP will accumulate the policyholder’s savings and convert into a stable income in the future. 10Life compares the returns of annuity products using Internal Rate of Return (IRR). Simply put, IRR can be understood as the annualised rate of return on investment.
According to the Insurance Authority, all QDAP product brochures must use a 45-year-old non-smoking male policyholder as an example to disclose the product IRRs. In addition, consumers can refer to the product brochure to understand the IRRs of the product under different payment periods, annuity start age and income periods.
IRRs can be guaranteed or projected. The guaranteed IRR is the return contractually guaranteed by the insurance company to the policyholder, while the projected IRR includes guaranteed and non-guaranteed returns. Non-guaranteed returns are affected by multiple factors such as the insurance company’s investment performance, profit sharing policy and the general economic environment, hence it is difficult to predict.
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