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高净值客户如何利用“保单金三角”实现资产高效传承与永续增值？

在动荡的全球经济环境中，高净值人士（HNWIs）将目光投向新加坡，不仅看重其稳健的金融环境，更看重其利用保险产品实现财富安全、代际传承和资本优化的独特优势。

新加坡的保险不再仅仅是风险转移工具，而是高阶财富管理策略的核心。我们为高净值客户在新加坡构建“保单金三角”实现资产高效传承与永续增值。

“保单金三角”：高净值客户的三大配置支柱

高净值人士的保险配置可以清晰地划分为三大功能，以确保资产在不同维度上得到保护和增值。

I. 财富传承：杠杆与确定性

这是高净值客户配置保险的首要目的。核心在于利用保险的高杠杆和法律功能，确保巨额财富能够安全、私密、快速地传递。

  • 核心产品：大额寿险 (Whole Life/Universal Life/Indexed Universal Life)

    • 高额保障： 以较小的资本投入撬动数千万美元的保额，瞬间解决遗产流动性需求。

    • 高效传承： 死亡赔偿金通常是免税（在新加坡，人寿保险赔偿不计入遗产税）且即时变现的，有效避免冗长的遗产认证程序（Probate）。

    • 信托结合： 可与家族信托（Family Trust）结合，实现复杂的资产分配和代际规划，隔离家族财产风险。

II. 财富保值与增值：长期复利效应

这部分配置旨在抵抗通货膨胀，追求长期稳健、低风险的资产增值，确保财富的购买力得以保存和增长。

  • 核心产品：传统分红储蓄险/指数型储蓄险

    • 传统分红储蓄险： 侧重于较高保证现金价值，并通过参与保险公司的长期稳健投资（约70%固收类资产）分享非保证分红，实现财富的低波动性复利增长。

    • 指数型储蓄险： 现金价值增长与特定市场指数挂钩，但有保底机制，在捕捉市场上涨潜力的同时，有效保护本金免受市场下跌的冲击。

III. 现金流规划：灵活与可控

满足客户在特定生命周期（如退休、下一代教育）对稳定、可预测收入的需求，并提供灵活的资金提取机制。

  • 核心产品：年金（Annuity）和投资联结保单 (ILP)

    • 年金： 通过一次性或短期缴费，锁定未来持续到终身的稳定现金流，是规划退休生活品质的理想工具。

    • 投资联结保单 (ILP)： 具备较高的灵活性和流动性。当保单现金价值积累到一定程度后，客户可通过部分退保提取所需资金，或通过底层基金转换成分红型基金领取被动收入，实现资本的灵活运用。

进阶策略：保费融资与资本优化（杠杆的艺术）

真正的高净值客户不会用全部现金购买保单。他们利用新加坡成熟的金融体系，通过保费融资策略，将资本效率最大化。

  • 保费融资（Premium Financing）：

    • 客户只需支付保费的少部分自有资金（通常约30%）作为保单”首付“，剩余保费通过抵押保单给银行融资。

    • 优势： 将大量现金保留下来，投入到其他更高收益的投资项目（如私募股权、高收益基金）中。只要保单的长期内部回报率（IRR）高于银行贷款利率，客户就能通过杠杆实现净收益套利。

  • 保单抵押与套利：

    • 已付完保费拥有高现金价值的保单，可作为优质抵押品向银行申请贷款。

    • 套利运用： 客户可以利用贷出的资金（例如，低息的日元或瑞郎）进行投资套利（Carry Trade），投资于高收益资产，赚取利率差，同时不损失保单的保障和现金价值增长。

在新加坡，保险配置已升级为一门精密的金融工程。通过结合核心产品和杠杆策略，高净值客户可以构建一个既安全又高效率的财富堡垒。

如需订制“保单金三角”的客户可联系咨询。微信：Gothia

#新加坡寿险#新加坡指数型储蓄险 #新加坡信托 #新加坡保费贷款 #新加坡保单贷款 #新加坡年金

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:

彭歌佳 Gothia Peng Gejia 

我是彭歌佳（Gothia），现任新加坡顶尖独立理财机构 Financial Alliance（鑫盟理财）Associate Wealth Advisory Director。拥有超过10年财富管理经验，持有新加坡保险学院的个人财务规划学位，以及新加坡银行与金融学院的高级认证。

【深耕新移民，洞察复杂需求】
在9年的头部寿险公司经历与多年的全方位理财咨询实践中，我已深度服务超过 600位新移民个人与家庭。我深知高净值人群在面对跨国资产配置、身份规划及家庭保障时的复杂性。我不仅提供保险方案，更致力于为您构建全生命周期的财务防御体系。

【我能为您解决什么？】
全市场精选: 摆脱单一公司束缚，在新加坡全市场筛选最优资产配置与保障方案。
资产保全与传承: 针对高收入家庭，设计合规的财富隔离工具，确保财富定向传承。
理赔与后续服务: 丰富的理赔实操经验，让您的保单在关键时刻发挥最大的杠杆效应。

【我的哲学: 长期主义的陪跑者】
我始终秉承“真诚、中立、负责”的原则。对我而言，您不仅是客户，更是共同成长的朋友。我承诺提供量身定制的动态财务回顾，确保您的财富计划能随人生阶段灵活调整。

【联系方式】
期待与您深度对话，开启您的财富增值与守护之旅。 WeChat：Gothia 电话：82685431
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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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  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策，并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
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  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • 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.
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  • 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