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新加坡资深理财顾问手把手教你挑选IUL

hi，大家好，我是Joey，一名从业12年的新加坡资深理财顾问。

找我咨询的很多朋友，都对新加坡的IUL非常感兴趣，但是IUL作为一个下有保底，并且可以投资指数的保险，相对还是比较复杂的。

如果你不了解，很可能踩坑选错产品。

今天我就从一个独立理财顾问的角度出发，跟大家分享一下，怎么挑选IUL。

 

一、指数账户的的封顶和保底利率

我们知道IUL是一份上有封顶，下有兜底的一份寿险，现金价值都直接挂钩指数，其中大部分是挂钩标普SP500

但标普500每年的涨跌不一，所以保险公司给我们限定了一个收益区间，下跌的时候能做到保本，上涨的时候也有一个上限。

利率下限一般都是0，上限每个产品则不一样。

 

所以，买IUL保单时，我们首先要关注保单的上限（cap rate），越高说明在指数上涨时产品能跟上的收益越多，预期回报也会越高。

 

二、固定账户的最低保证派息率

 

IUL一般有两个账户，指数账户和固定账户。

一般相对激进的用户会选择把保费全部投入到指数账户里，但也有很多保守的客户会留一部分放在固定账户里赚取稳定的回报。

固定账户有一个当前派息率，但是这个值不固定，会随着外部利率环境的变化而变化。

所以我们更要关注的是另一个指标：最低保证派息率，也就是说，不管怎么样，派息率不会低于这个数。

最低保证派息率也是越高越好的。

 

三、保单的费用和扣费

每一份保单，都会产生一些扣费，IUL也不例外。

比如保险成本，退保费用，行政费用、保费费用等等。

不同的保险公司，不同的保险产品都不一样。

这些费用是要从你回报中扣除的，所以在买的时候尽量做好对比，。选择费率更有优势的产品.

 

 

四、保单的提取与灵活性

目前新加坡市场上的IUL，主要有两种类型。

一种是高身故杠杆的偏传承和保障型的，一种是身故杠杆较低，偏理财的指数计划。

保障型的IUL，我不建议大家做过多提取，如果需要现金流，越晚提取越好，减少保单断保的风险。

而理财型的IUL，一般可以灵活提取，这里就需要你去看不同产品提取的规则。

一般来说，提取时间越早越好，提取比例越高越好，提取方式越灵活越好。

拿宏利最新的一个产品举个例子，客户可以最早在第二个保单年度末获取年度分红收入，非常灵活，分红跟账户表现紧密挂钩。

 

 

五、保险公司的实力

除了产品之外，还有一点不可忽略的是，要看看保险公司的实力怎么样。

如果两款产品在性价比上差不多，那就尽量选择比较大的公司，公司情况会更稳定，服务体系也更成熟。

 

以上，就是选择IUL的时候，必须要关注的几个方面，如果你有不懂的，或者是想让我给到一些参考建议，欢迎随时留言！

我是Joey，一名从业12年的新加坡资深理财顾问。如果你想详细了解这个产品更多细节，或者想根据自己的情况做一个测算，欢迎留言

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.

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。

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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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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.
  • 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