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太强了！新加坡IUL，升级后真的刷新认知！

哈喽大家好，我是Joey，一名从业12年的新加坡独立理财顾问。

 

过去新加坡IUL在全球市场热卖！让很多人认识到了这种能投资指数，而且跟涨不跟跌产品的魅力

 

但是IUL比较适合长期持有，用作财富传承，不太适合提取。

所以也有不少客户会问我，能不能买到跟踪指数的纯理财型IUL，同时持有保单时候还能提取一定的现金流！

 

就在最近，这款千呼万唤的产品终于出来啦，不仅能帮你跟上指数的收益，实现资产增值，还有着传统IUL不具备的优势。

 

 

今天我们就来详细拆解一下它的优缺点，看看适合哪些人！

第一部分：什么是IUL？它到底怎么赚钱？

 

在了解这款之前，我们先搞清楚IUL 的产品逻辑。

IUL，全称指数型万能寿险，是一种结合保险和指数投资的产品。它的最大特点是——跟着指数涨，但不会跟着跌！

当你买入IUL，投入产品的净保费，根据你的选择，可能会去向两个账户，一个叫固定账户，有固定的利息收益，一般保险公司每年会调整一次，但有最低保底收益。

 

 

另一个是跟指数直接挂钩的指数账户。当指数上涨时，这个账户就能能给我们赚钱。

比如这款产品，挂钩标普500的封顶利率是9%，保底利率是0.

如果今年标普500涨幅在0-9%之间，就给你按照实际收益派息。

如果涨幅在9%以上，那就给你9%的收益。

 

但如果指数下跌了，你的收益不会变成负数，因为这款产品有0% 的最低保障，相当于锁住了本金，市场跌多少你都不会亏！

简单来说，就像给你的投资加了个安全气囊，在保本的情况下也能追上指数的收益！

 

 

第二部分，我们来讲讲这款新型IUL有哪些优缺点，以及它相比于传统IUL有哪些优势。

 

优点1：灵活的账户分配

这个产品共有5种账户分配的选项，不同风险偏好的人可以根据自己的情况灵活选择固定账户和指数账户的比例。

 

优点2：通过DCA美元成本平均法降低市场风险

投资中很难的一个事情是抄底，往往底下还有底。

这款产品可以选择将保费分成12个月分笔投资，能很好地降低一次性投资带来的波动风险。

 

优点3：快速获得终身派息收入

这是最突出也是和传统IUL区别最大的一个优点。

这款产品可以在保单年度的第2年到第21年，灵活选择以个年份，开始领取保单派发的每月派息收入。

 

可以快速地给投保人提供一个非常灵活的现金流，适合需要早期现金流或灵活退休规划的客户。

不过，要注意的是，这个每月派息，不是保证的，跟支付保费的时间和次数、开始派发每月收入的年份、净保费配置方式、实际保单价值增长都有关系。

而传统IUL，一般至少要到第10个保单年度才能申请提取，还有额度的限制。

 

当然它也不是完美的产品，有一定的缺点。

缺点1：各种费用较高

主要包括以下4种：

  • 保费附加费：每笔保费的8%，到第3个保单年度降至4%。
  • 保单费用：每1000美元保额每月收取2.108333美元，前25年适用。
  • 行政费用：保单价值的0.03%，每月收取，贯穿整个保单期间。
  • 退保费用，这个不同的保单年度不一样，不过这个产品还有一个最低退保价值的保护，可以部分减税退保的损失。

 

缺点2：收益上限受限制

即使S&P500涨20%，你最多也只能拿9%。

如果你是极限收益追求者，有一定的专业投资经验，直接投资指数基金可能更适合。

 

那么，到底谁适合买这款产品呢？

如果你想要无痛投资标普500的同时，还能获得一定的灵活现金流，这个产品是很好的选择。

而且投保限制少，无需申报健康情况，保费门槛也低。

 

欢迎添加微信：JOEYWUZUHUA 或What’s App:+6593214536

关于这个产品，我们就聊到这，有什么问题可以在留言区提问哦~

 

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:

Joey Wu Zuhua吴祖华

新加坡保险.投资.信托等全球资产配置，等全球资产配置, 一站式，专业，独立。

10余年新中两地保险投资理财从业经验，倾听客户需求，私人定制每一位客户的财务计划；

我的信念：我们每个人都能通过合理的理财规划，实现财务安全，财务独立最终实现财务自由。

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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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  • 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.
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  • 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.
  • 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。
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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