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什么是投连险(ILP)？What is Investment-linked Policy? （8大优势！新加坡投资理财必配）

投连险 (ILP)，全称为投资连结保险 (Investment-linked Policy Insurance, ILP)，是一种将保险与投资结合的产品。

在新加坡备受欢迎，许多人来新加坡工作就是为了存到一笔可观的教育金、退休金或做生意的第一桶金。这类型的保险就适合有理财目标的人群。

因其灵活性和增值潜力，许多国家的人选择它作为长期财富增值和养老规划的工具。

投连险有分为两种：传统型投连险 (Traditional ILP) 和101 投连险 (101 ILP).

这篇文章讨论的是 101投连险 (101 ILP)。

 

投连险的8大特点和优势：

1. 更高的收益潜力抵抗通货膨胀

  • 投连险的保费部分投资于全球市场的优质基金，收益没有上限。
  • 相比储蓄型保单 (endownment plan)、定期存款 (Fixed Deposit) 和公积金 （CPF）等，投连险追求更高的回报，目标年化收益通常设定为8%（这是按照新加坡监管局 MAS 设定的展示收益率 illustrated rate of return）。
  • 不过，需要注意的是，收益取决于基金表现，市场低迷时可能出现亏损。

 

2. 如何降低风险？

  • 长期投资

数据显示只要坚持长期投资10年或以上，亏损的概率小于百分之一(1%)。时间是平滑风险的好帮手。坚持长期持有，能更好地抵御市场波动。

  • 定期定额投资（定投）

通过每月小额定投，分散风险，逐步累积优质基金资产。其实，市场的波动有利于长期定投最后的收益率。

例如：每个月定投新币1千块，连续10年。在这10年可能有几种市场上涨和下跌的可能性和情况，下图凸显了在3种不同市场对定投基金的影响。

你可以看到，市场的波动有利于最后所获取的收益率。越大的波动，越大的收益。

什么是投连险(ILP)？What is Investment-linked Policy? （8大优势！新加坡投资理财必配） — Engage

*Dollar Cost Averaging = 定期投资

 

3. 低门槛、灵活投资

  • 起投金额低：适合大多数人开始理财。
  • 灵活投资期限：3 年、5 年、10 年甚至 30 年期，满足不同需求。
  • 长期坚持定投，即使市场波动，也能通过摊平成本，实现资产增值。

 

4. 专业管理与多元选择

投连险由保险公司专业团队挑选并管理基金，客户还可以根据市场走势调整投资策略：

  • 市场强势时，转向进取型基金；
  • 市场低迷时，转向稳健型基金。

此外，一些投连险还可投资“AI基金”，这类基金在过去10多年中曾实现年化收益超15%。但需提醒：过去表现不代表未来收益。

此“AI 基金“非比人工智能的 AI 基金。而是高净值投资者 (Accredited Investor)才能投选的优质基金。透过我们的合作伙伴，普通人也可享有这份福利。

 

5. 独特的附加价值

  • 迎新红利 (Welcome Bonus)：前期附加红利，为资本增值提供杠杆作用。根据你的投资额而定的额外红利。
  • 身故保障 (Death Benefit)：若受保人不幸身故，保险公司将按照账户价值全额赔付给指定受益人，确保资产平稳传承。
  • 税务优势 (Tax Planning)：保险受益人提名可合法避税，遗产通过保单传承时免征遗产税。

 

6. 投资方式有几种呢？

  • 灵活选项：可以一笔投入或者定期投入

 

7. 投连险适合谁？

投连险并非适合所有人，通常更适合以下三类人群：

  1. 注重财富增值与长期投资的人
    • 如果你希望在保障之余，通过投资实现资产增值，并愿意承担一定的市场波动风险，投连险是不错的选择。
    • 适合有养老规划、子女教育基金需求，且具备长期投资心态的人。
  2. 愿意信任专业管理的人
    • 适合愿意通过专业投资团队管理资金的人，即便自己不太熟悉市场，也能通过投连险的基金组合，参与全球市场投资。
    • 适合注重灵活性的投资者，可以根据市场情况调整基金组合。
  3. 具备稳定收入、能坚持定期投资的人
    • 每月定投、长期持有，享受复利效应

 

8. 不适合的人群是谁？

  1. 只追求高额保险保障的人
    • 如果你的首要需求是高重疾和身故保障，投连险可能不是最佳选择。
    • 你可考虑定期寿险 (Term Life Insurance) 和指数型万能寿险 (Indexed Universal Life Insurance)，这两者都有高杠杆的保障特性。
  2. 对风险承受能力较低的人
    • 若你对市场波动感到不安，或更偏爱储蓄型 (Endownment Plan) 和保本型产品 (Capital Guaranteed Products)，投连险可能不适合你。
    • 你可以选择美金的储蓄保险或年金险。
  3. 有短期资金需求的人
    • 投连险一般有3年以上的最低投资期，适合中期（3-5年）和长期规划（10年或以上），不适合需要随时动用资金的人群。
    • 想短期投资的可考虑货币基金或分红基金。

 

最后，投连险适合你的财务目标吗？

投连险是一款兼顾保险和投资的产品，适合那些有长期规划、想实现财富增值的人。

如果你不确定它是否适合自己，欢迎随时与我联系，探讨最适合你的财务规划方案！

📞 WhatsApp: +6586802340
💬 WeChat 微信: lidwinabq

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Lidwina Teo 维娜

With over 5 years of experience in client service industries, I come to understand and appreciate the importance of high-quality customer service and customer experience. The key is to always prioritize the best interests of customers, ensuring their needs and expectations are met with professionalism.

The passion for client service extends into my current role where I strive to deliver personalized financial planning services. With more than 150 business partners in our company, I can help you achieve your financial goals by analyzing various financial products and offering tailored financial advice. 

Contact me now to request for a quotation or schedule a coffee session for further discussion. See you soon!

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根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

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