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新加坡IUL值得买吗？指数型万能寿险可靠吗？3点解析新加坡IUL是否适合你的财务规划！

什么是 IUL? 什么是指数型万能寿险？

指数型万能寿险 (Indexed Universal Life, IUL) 是一种将保险与投资功能相结合的产品，吸引了许多人。

新加坡的指数型万能寿险在这几年也备受欢迎。然而，深入分析后你会发现，IUL 并不适合用作投资工具。

尽管如此，它在财富增值和传承规划中却扮演着独特而重要的角色。最重要是针对你的个人需求而做出适合的选择。

用以下3点来分析新加坡IUL的利与弊还有如何选择适合你的工具。

 

第一点：为什么 IUL 是优秀的财富增值与传承工具？

1. 高效的遗产规划

  • 免税的身故赔付：为继承人提供资金支持，特别适合需要支付遗产税的高净值人群。
  • 明确的受益人指定：确保资产按照你的意愿传承，无需经过复杂的法律程序。

2. 稳定的财富增值

  • 长期锁定：通过时间平滑市场波动，实现资产稳定增长。
  • 灵活调整：可根据市场状况调整投资策略，IUL的结构里可选择保险公司的分红基金(PAR Fund)或者指数（例如，S&P 500）。

3. 灵活规划功能

  • 资金提取灵活：保单持有人可以在一定的年数之后和不影响身故赔付保额的情况下，从 IUL 中提取部分现金价值。
  • 贷款选项：保单持有人也可以在不影响保单效力的情况下，通过贷款方式从 IUL 中提取现金价值，实现资金周转。

这可以帮助富人打破“富不过三代”的说法！

新加坡IUL值得买吗？指数型万能寿险可靠吗？3点解析新加坡IUL是否适合你的财务规划！ — Engage

第二点：为什么 IUL 不适合作为投资工具？

1. 投资表现低于预期：未包括股息的收益比较

保险公司通常会将其与标普 500 指数进行比较，但他们不包括股息收益。

  • 真实情况：标普 500 含股息的长期回报率远远高于 IUL。
  • 结论：这种比较让 IUL 的表现看起来更有竞争力，但实际上它难以匹敌股票市场的真实回报。

2. 有选择性的历史数据展示

  • 不同的保险公司会选择过去不同的时段推演，所以展示的预期收益率会不同。
  • 结论：很难跟真实的指数表现做对比。

3. 保单费用（对比纯投资工具的费用）

IUL 有各种费用，包括：

  • 保费管理费 (Premium Charge)：每家保险公司的管理费都不同。
  • 月度保单管理费 (Administration Charge)：每个月直接从账户中扣除。
  • 退保违约费 (Surrender Charge)：提前退出可能需要支付高昂费用。但在限定的年数之后就没有这个费用了。
  • 保险风险费 (Insurance Risk Charge)：身故赔付保额和账户价值的差距是保险公司需要承担的风险，这个风险会跟着受保人的年龄和健康条件来算的。

结论：IUL 的多层费用会降低其长期回报率。如果你的目标是单纯投资并且能够承担风险，建议选择直接通过投资平台操作。而这些费用实际上是为了换取低成本、高传承保障额度所付出的代价。同时也存有保单失效的风险，可参阅我另一篇文章。

因此，你必须了解你的目标和需求是什么。

第三点：更明智的财务策略是什么？

如果你的目标是实现资产增值并保障财富安全，可以参考以下策略：

1. 将保险与投资分开：采用“买定投余”的方法

  • 购买定期寿险，以最低成本获得高杠杆的生命保障。
  • 将节省下来的资金投资于低成本指数基金或优质基金，充分利用长期复利效果，获取更高的投资回报。

2. 利用 IUL 作为遗产规划工具：提升传承价值

  • 如果你希望以免税方式传承资产，同时充分发挥部分资产的增值潜力，IUL 是一个理想的选择。
  • 它结合了保障与传承的独特功能，适合有长期传承需求的人群。

总结

虽然 IUL 并不是理想的投资工具，因为其复杂的费用结构和回报上限限制了财富增长，但它在遗产传承和长期规划方面提供了独特的优势。对于注重财富保障和传承的用户来说，IUL 是值得考虑的选项。

在选择财务工具时，请根据个人需求慎重决策，并咨询专业顾问。

欢迎联系我，我可以根据你的需求为你制定最适合你的财务规划方案。

📞  WhatsApp: +65 86802340
💬  微信 WeChat: 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. 

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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

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.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策