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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

您好，我是Gothia彭歌佳，是新加坡顶尖理财顾问公司Financial Alliance鑫盟理财的资深理财经理，拥有超过十年的行业经验。

专业背景

我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。这些学术背景为我提供了坚实的理论基础，使我能够更好地为客户提供财务建议。

工作经验

 我曾在新加坡的头部人寿保险公司服务了9年多，帮助了上百个新移民家庭实现财务安全感，在保险后续服务和理赔方面，拥有非常丰富的经验。

我的使命

我的使命是为客户提供专业、中立、全面的财务建议。我始终将客户的需求和利益放在首位，并秉承着长期主义和真诚负责的原则。对我来说，每位客户都如同朋友一般重要，我期待陪伴他们走过人生不同阶段，优化他们的财务状况，并提供真正符合他们需求的解决方案。

我的承诺

我致力于为每位客户提供量身定制的解决方案，并定期回顾计划，以确保财务目标得以实现。如果您正在寻找一位可信赖的理财伙伴，我期待着与您携手合作，共同规划您的财务未来。

如果您有任何疑问或需要进一步了解我的服务，请随时联系我。感谢您访问我的个人网站，期待与您交流！

Wechat：Gothia

 

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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
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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。
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  • 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.
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  • 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