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买新加坡分红险，选美式分红还是英式分红？

最近接到很多客户咨询，问新加坡的分红险是怎么运作的，买的时候是选英式分红还是美式分红呢？


这是一个非常关键的问题，如果你选了不适合自己的分红方式，后续收益、资金灵活度都会受到很大的影响，我敢说，50%以上的人都选错了。

今天就来详细聊聊，这两种分红是什么意思，都有什么特点，以及适合哪些人。

新加坡的储蓄分红类保险主要由各家公司的participating fund，分红保险基金来统一管理。

你可以简单理解为，保险公司会把分红险的保费设立成一个专门的账户，用来投资，赚到的钱会分配红利给保单的持有人。


分红的来源有三个：

利差益：就是保费拿来投资赚到的钱。

死差益：保险公司在设计保险产品时，会预估一定时间内有多少人可能会出险（比如身故或生病）。如果实际出险的人数少于预估，保险公司赚到的盈余。

费差益：保险公司实际运营中产生的人员成本，各种支出少于预算，就相当于多省了一部分钱下来。


下面言归正传，讲一下英式分红和美式分红是什么。

英式分红，又叫保额分红，分红会累积到保单的现金价值和保额中，持续增加保单利益，简单来说就是利滚利。

比如你购买了一份英式分红保单，基本保额为 10万新币。

第一年：公司分配2%的分红，增加2,000新币的红利到保单总额，保额增加为 102,000新币。

第二年：若再次分配2%的分红，则基于102,000新币计算，新增红利为 2,040新币，累计保额为 104,040新币。


当你购买了保单，就像种下了一棵树，每年的分红就像树枝上的新芽，长出来的树枝和叶子永远不会被剪掉，而是会继续成为大树的一部分，不断让树变粗变高。

英式分红的优势是它的分红比较稳定，不可撤回，一旦分红被分配到保单中，就成为保单的一部分，无法被取消。

大树上的叶子一旦长出来，它就“固定”在大树上，不会因为天气或市场变化被收回。


但是它的缺点是分红过程比较不透明，客户无法直接参与分红投资过程。


美式分红恰恰相反，它又叫现金分红。分红金额通常直接以现金形式支付给客户，客户可自行决定如何使用分红。

假设客户购买了一份美式分红保单，基本保额为 10万新币。

第一年：公司宣布每1,000新币保额分配5新币分红，客户收到 500新币现金。

客户可以将这500新币直接取出使用，也可以存入保单账户累积生息。或者用来抵交下一年的保费或者购买更多的保额。

之后每一年，客户可重新决定分红的使用方式。


你购买了一份美式分红的保单，就像种下了一颗会结果子的树，每年的分红就像树上结的果子，果子成熟了可以摘下来，拿去吃掉、卖掉，或者重新埋回地里种新树。


所以，美式分红的特点是灵活性强，透明度高，但每年的分红情况跟保司的盈利密切相关，波动会更大。


每年果子多少，取决于树的“健康状态”（保险公司的盈利）。好的年份，果实满树；不好的年份，果实可能少一些。

而且，因为不是所有的客户会选择把分出来的钱重新购买保额，所以长期累积的复利会差一点。


总结一下：

英式分红适合种一棵不断长大的“保障大树”，静待未来收益。

美式分红适合种一棵每年结满果实的“现金流树”，灵活摘果子使用。



如果你追求长期增值、稳健的保障，比如给孩子规划教育金，为退休后的养老金做储备， 英式分红更好。

如果需要短期现金流、灵活资金运用运用资金，美式分红更好。

不管是哪一种，适合自己的才是最优的选择，如果你还是不会判断自己适合哪种，也欢迎你来找我们详细聊聊。



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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  • 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.
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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