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新加坡和香港的储蓄险，有什么区别？

香港和新加坡作为亚洲最受瞩目的两个金融中心，一个是背靠中国大陆的自由经济港，一个是东盟的核心经济体

 

这两个地方，保险行业和金融行业都非常发达，同时中国人又非常熟悉，所以自然而然成为很多人资产配置出海的第一站，尤其是分红储蓄型的保险非常受到关注。

 

既能做到保本，非常安全，同时也能参与全球各类资产的投资，获得不错的收益。

 

那么新加坡和香港的储蓄险有哪些区别呢？又该怎么选择？

今天来详细对比一下

 

第一点，先来讲大家最关心的收益问题

香港市场的热门分红储蓄险，长期预期收益能做到百分之六七，但是要注意的是，这个预期收益是两部分组成的，保底部分+分红收益。

保底部分是完全确定的，长期收益只有0.5%-1%；分红部分是根据保险公司的投资和分红情况来确定的，占香港保险收益的大头。

 

而新加坡的分红储蓄险，长期收益大概只有百分之4到5左右，但保底部分的收益稍微高一些，有些在1%-1.5%之间，确定性的部分占比更多，所以保证回本的时间更快。

 

拿新加坡友邦的一款储蓄险举例，保单第10年保证部分的现金价值就已经回本。

而香港友邦的一款王牌储蓄险，同样缴费期，保单第10年，保单的保证部分现金价值只有本金的70%左右，需要16年保证部分才能回本。

 

第二点：保单的功能

香港和新加坡的储蓄险功能都非常丰富。

 

比如保单拆分，如果家里添了新成员，可以将保单拆分成多分，每个人都能传承到。

还有指定第二受保人和受保人的变更，就算其中一个受保人发生了什么意外，保单也不会受到影响，可以复利滚存下去，传承多代。

保单货币方面，香港保单以人民币，港币和美元保单为主；

而新加坡保单以新币，美元为为主，特别是新币，不与任何单一货币挂钩，币值非常稳定，如果你的担心接下来人民币和美元都有较大的波动，新币则是很好的避险和保值货币。

此外，部分香港保单可以在满足一定保单年限之后进行保单货币的转换，而新加坡的保单则没有这个功能。

 

第三点：两地监管

 

香港的保险行业属于小监管，大市场，保监局会给保险公司更多自由去设立产品，自己订立条款。

而新加坡MAS金融监管局是以严格著称，所以，这点从收益就能看出，新加坡的产品预期收益做得更保守，而香港就比较激进。

而且在分红比例的规定上，新加坡在法律上要求保险公司按照一九比例分红，至少要分给客户90%的可分配盈余。

而香港保险公司的分红比例，只有极少数产品会承诺分红比例，而且不会写在合同条款上

 

第四点：透明度和费用

 

相对来说，新加坡保险采用RBC2的监管体系，会要求保司纰漏更多信息，更为透明。

比如，在新加坡的保单上你可以清晰地看到保单的各项收费，甚至保险总渠道运营成本。

 

而香港保险在透明度上就稍逊于新加坡。

 

两种保险各有优缺点，但对于中国人投保都比较友好，新加坡的保单有中文演示，而且部分保单可以免飞签单，香港保险是繁体中文演示，必须要飞去香港签单。

 

总的来说，新加坡金融政治环境极为成熟，监管严格，新币也非常稳定，所以新加坡的储蓄险更适合稳健，风险偏好相对保守的人。

 

香港储蓄险更适合能承担一定风险，追求极致收益的朋友。

 

如果你有任何关于保险配置的问题，都可以随时留言沟通。

 

 

我是Joey，一名从业12年的新加坡独立理财顾问，希望能够帮到你。

欢迎添加微信：JOEYWUZUHUA 或What’s App:+6593214536

 

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 unbiased 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:

Joey Wu Zuhua吴祖华

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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/.

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

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