View My Profile

【新加坡理财攻略】为什么聪明的人开始选择指数型万能寿险（IUL）？

【新加坡理财攻略】为什么聪明的人开始选择指数型万能寿险（IUL）？

你有没有想过，有没有一种保险，既能保障家庭、又能帮钱生钱？
在新加坡，这样的保险真的存在，它的名字叫——指数型万能寿险（Indexed Universal Life, IUL）。

这是一种结合了人寿保障 + 投资增长 + 美元资产配置 + 传承规划的产品，越来越多专业人士、高净值家庭，甚至年轻父母都开始关注它。

💡 什么是指数型万能寿险（IUL）？

IUL 是一种特别的人寿保险：
它让你的人寿保障同时“参与”市场增长，但又不用承担股市风险。

你的资金并不会直接投资股票，而是由保险公司根据某个指数（例如标普500指数）的表现来“记账”利息。
这意味着：

  • 📈 当市场上涨，你的现金价值有机会获得不错的增长；

  • 📉 当市场下跌，你仍享有保底（例如 0%最低回报），不会出现负收益。

一句话总结：

IUL 让你在“保命”的同时，也能“赚钱”，而且是稳健赚钱。

🌍 为什么新加坡人越来越爱 IUL？

① 美元资产配置

多数 IUL 是美元计价，这对新加坡人来说是分散风险的好方法。
它能帮你：

  • 拥有一笔长期的海外美元资产；

  • 对冲新元贬值的风险；

  • 更好地准备子女海外教育或移民资金。

② 灵活的保费与提款

IUL 不是死板的计划。
你可以选择：

  • 灵活调整保费（多缴、少缴、甚至暂停都可以）；

  • 在需要资金时，从现金价值中提取或借出使用。

对很多人来说，这是一种“带流动性的长期储蓄”。

③ 税务与财富传承优势

IUL 也是一种高效的财富传承工具。
身故赔偿通常可免税转给下一代（视居住国税务制度而定），成为家庭资产传承的重要一环。

④ 稳健增长与复利效应

虽然 IUL 不保证收益，但长期来看，平均年化回报有机会达到 5%–7%。
而这些收益会在保单中持续复利增长，时间越长，威力越强。

📊 和其他保险的差别一目了然

项目 储蓄险 投资连结保单 (ILP) 指数型万能寿险 (IUL)
收益来源 固定利息 市场投资 市场指数回报（记账）
风险 低 高 中等偏低（有保底）
收益潜力 较低 较高但波动大 稳定中等偏高
保费弹性 固定 弹性 高度灵活
适合人群 保守型 进取型 稳健型、重视传承者

👨‍👩‍👧 谁最适合考虑 IUL？

  • 年龄 30–55 岁，有一定收入或资产基础

  • 想要“保险 + 投资 + 传承”三合一方案

  • 已有基本保障，想优化资产配置

  • 希望持有美元资产

  • 为子女教育、退休、或传承做长期规划

⚠️ 投资前需要了解的几点

IUL 并不是“稳赚不赔”的魔法方案。你需要注意：

  • 回报取决于指数表现（有上限也有保底）；

  • 极端情况下保单有可能会失效，虽然可能性较低；

  • 建议长期持有，短期退保费用高。

找一个专业顾问，帮你设计适合的结构与保费计划，是成功的关键。

✨ 结语：让保险，不只是保命，而是帮你积累财富

在通胀高企、利率波动的时代，钱放在银行越来越“睡不安稳”。
IUL 的出现，让保险不再只是“花钱买保障”，而是一个聪明的财富增长工具。

如果你想了解：

  • 哪家保险公司的 IUL 回报更稳健？

  • 怎样配置保费更灵活？

  • IUL 是否适合你的家庭财务目标？

欢迎与我预约一场一对一咨询，我会根据你的预算与目标，为你设计一份专属的指数型万能寿险方案。

📩 私讯我，一起让你的保险，也能像投资一样聪明成长。

微信：DrLiu65

WhatsAPP: +65 82003208

#指数型万能寿险 #IUL

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:

LIU Yiquan Eugene 刘以泉

您好，我是刘以泉，感谢科技让我们相遇！我2010年来到新加坡，毕业于新加坡新加坡南洋理工大学并且拿到博士学位。现在在新加坡的理财顾问公司做全牌照理财顾问。服务过上百个新加坡新移民和国内的朋友，为他们提供全面专业的定制化资产配置服务。

我曾经是一名工程师，在浙江大学获得学位，并在上海的国际公司工作多年。后来，带家人移民到新加坡，并且在新加坡南洋理工大学获得哲学博士学位。通过这一系列的跨国经历，我深刻理解到不同背景下的财务挑战和规划的重要性。

在我转行做理财顾问之前，我一直对理财投资有着浓厚兴趣，并注意到身边很多高学历人群普遍缺乏金融知识，因为这个行业确实存在巨大信息差，这一点对于刚到新加坡的朋友们尤为明显。而且，保险理财的选择成本是非常大的，一旦选错的错，就可能会造成很大损失，因此，我转型成为一名理财顾问，致力于帮助新移民的个人和家庭在新加坡做精准配置，不仅给他们一份安心，而且在新加坡实现他们的财务目标。

我的使命是：通过深度的对比和专业的理财建议，为您打造稳固的经济基础，帮助您实现财务自由。

我会以简洁易懂的语言解释复杂的金融术语，确保每一位客户可以轻松理解并掌握每个财务决策的核心。如果你在寻找一位真诚、专业的理财顾问，我将是您的理想选择。让我们一起规划和实现一个更加稳健的财务未来。欢迎通过微信联系我：DrLiu65，期待为你服务！

View My Profile
Contact Me

CONTACT US

  • 150 Beach Road #12-01/08, Gateway West Singapore 189720
  • +65 62221889
  • +65 62221019
  • feedback@fa.com.sg
Disclosure & Disclaimer

Privacy & Cookies Policy

Data Protection Policy

Terms of Use

Terms of Use - Mobile

Fair Dealing

Contact Me

What type of services are you looking for? 请问您需要咨询哪些方面的服务？(Please select all that applies)

ACKNOWLEDGEMENT

By submitting this form, I confirm that

提交此表格，即表示

  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 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。
  • I have read and understood the disclaimers above and hereby affirm my acceptance of these terms.
  • 我已阅读并理解了上述免责声明，特此声明接受这些条款。
  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 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.
  • 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

Scan for Contact Details

Download Contact
Enquiry

Join our newsletter

Subscribe to our newsletter to receive updates on our latest content!

By providing the info below, I confirm that I am the user and/or subscriber of the telephone number(s) and email address provided by me and I consent to receive from Financial Alliance and/or its financial adviser representatives, any marketing, advertising and promotional information organise by Financial Alliance via voice calls, SMS/MMS (text messages) or faxes to my telephone number(s) provided below. I understand I may withdraw any consent I have given at any time by writing in to Financial Alliance Pte Ltd.

Scan for WeChat QR

Estate Planning

Who Gets What?
If You Don’t Have a Will.

Find Out Now

Retirement Planning

Will I be able to retire comfortably?

Find Out Now

Contact Me

What type of services are you looking for? 请问您需要咨询哪些方面的服务？(Please select all that applies)

ACKNOWLEDGEMENT

By submitting this form, I confirm that

提交此表格，即表示

  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 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。
  • I have read and understood the disclaimers above and hereby affirm my acceptance of these terms.
  • 我已阅读并理解了上述免责声明，特此声明接受这些条款。
  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 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.
  • 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