How to Improve ILAS’ Fee Disclosure? (Chinese Article)
早前文章提及,投資相連壽險(簡稱投連險,ILAS)利益說明文件中,若果能夠披露虧損情景下的預 ... >>
15.2% | 168 | 158.2% |
Total Fees and Charges Disclosure (TFCD) Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy. | Number of Investment Options | Projected Surrender Value Ratio at Year 20 (Assumed net rate of return of 3% p.a.) Projected surrender value ratio equals to projected surrender value divided by premium paid) |
16.1% | 107 | 155.7% |
Total Fees and Charges Disclosure (TFCD) Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy. | Number of Investment Options | Projected Surrender Value Ratio at Year 20 (Assumed net rate of return of 3% p.a.) Projected surrender value ratio equals to projected surrender value divided by premium paid) |
17.2% | 111 | 154.2% |
Total Fees and Charges Disclosure (TFCD) Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy. | Number of Investment Options | Projected Surrender Value Ratio at Year 20 (Assumed net rate of return of 3% p.a.) Projected surrender value ratio equals to projected surrender value divided by premium paid) |
19.8% | 68 | 151.1% |
Total Fees and Charges Disclosure (TFCD) Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy. | Number of Investment Options | Projected Surrender Value Ratio at Year 20 (Assumed net rate of return of 3% p.a.) Projected surrender value ratio equals to projected surrender value divided by premium paid) |
24.0% | 98 | 145.1% |
Total Fees and Charges Disclosure (TFCD) Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy. | Number of Investment Options | Projected Surrender Value Ratio at Year 20 (Assumed net rate of return of 3% p.a.) Projected surrender value ratio equals to projected surrender value divided by premium paid) |
24.6% | 180 | 144.9% |
Total Fees and Charges Disclosure (TFCD) Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy. | Number of Investment Options | Projected Surrender Value Ratio at Year 20 (Assumed net rate of return of 3% p.a.) Projected surrender value ratio equals to projected surrender value divided by premium paid) |
25.6% | 131 | 143.7% |
Total Fees and Charges Disclosure (TFCD) Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy. | Number of Investment Options | Projected Surrender Value Ratio at Year 20 (Assumed net rate of return of 3% p.a.) Projected surrender value ratio equals to projected surrender value divided by premium paid) |
27.5% | 99 | 148.1% |
Total Fees and Charges Disclosure (TFCD) Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy. | Number of Investment Options | Projected Surrender Value Ratio at Year 20 (Assumed net rate of return of 3% p.a.) Projected surrender value ratio equals to projected surrender value divided by premium paid) |
30.9% | 245 | 142.8% |
Total Fees and Charges Disclosure (TFCD) Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy. | Number of Investment Options | Projected Surrender Value Ratio at Year 20 (Assumed net rate of return of 3% p.a.) Projected surrender value ratio equals to projected surrender value divided by premium paid) |
31.9% | 245 | 135.9% |
Total Fees and Charges Disclosure (TFCD) Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy. | Number of Investment Options | Projected Surrender Value Ratio at Year 20 (Assumed net rate of return of 3% p.a.) Projected surrender value ratio equals to projected surrender value divided by premium paid) |
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