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美股下跌了，还能买IUL吗？

今年，美股跌了不少，很多客户来问我：Joey，IUL大部分是挂钩标普500投资的，现在指数下跌了，IUL还能买吗？

其实，在我看来，在指数下跌时，更应该买入IUL

我们都知道，IUL保单虽然现金价值挂钩指数投资，但它其实是跟涨不跟跌的。

上有封顶，下有保底。

举个例子，假如一个IUL保单是跟踪标普500的。它的封顶派息率是10%，保底派息率是0。

如果当年标普500上涨幅度在0-10%之间，就按照实际涨幅派息。

如果上涨超过10%，就按照10%封顶利率派息。

如果标普500下跌，你的保单最多派息是0，而不会亏损。

为什么可以做到跟涨不跟跌？这是IUL的底层投资逻辑决定的。

保险公司在收到你的保费之后，会把扣除了各项费用之后的净保费，90%左右的钱会投向固收类资产，比如债券，而剩下10%左右的钱会去买一些衍生品，比如指数的看涨期权。

这样债券的利息可以使得整个投资组合实现保本，而指数上涨时，看涨期权则对组合贡献了更大的收益。

其次，下跌的时候反而是买入的时候。

大家可能都听说过一句话，别人恐惧我贪婪，别人贪婪我恐惧，逆向投资，其实往往有好的回报。

以标普500为例，指数编制至近，年化回报率能做到10%左右，几十年如一日的上涨。

就算有下跌的时候，很少有连续跌2年或者3年的。

IUL是长期投资工具，短期的指数下跌不会影响其长期收益潜力。

所以在市场下跌时买入，大概率会搏到一个不错的反弹，这个时候可能会有更好的投资收益。

而且IUL的下行保底机制相当于给你的指数投资又上了一道安全锁，就算真的出现了小概率事件，连续跌了几年，这个亏损也是保险公司承担，跟你无关。

此外，IUL最终还是份寿险，越早买，越能在身体健康，一切状况都好的时候，锁定一份保障，也能给保单更长的增长时间。

而且，早买保费也更低，年龄每增加一岁，保费则会贵一些。

总的来说，不要把IUL当成纯粹的投资工具，它适合中长期持有（通常10年以上），短期内市场下行对回报影响较大，早期退保会损失较多费用。

不过，如果在指数在下跌阶段，有些问题也需要投保人稍微注意一下。

那本期我们就聊到这，如果你对IUL还有什么其它问题，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。

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.

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Joey Wu Zuhua吴祖华

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  • 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
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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