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预期复利5.72%，保证7年回本的美金储蓄，太香了！

有这样一个美金储蓄产品，期满复利高达5.72%，保证部分第七年就能实现回本。

 

最关键的是，它背后的承保公司是亚太最大最知名的保险公司之一，保险公司的投资水平和实力都是一等一的。

 

但是，先别心动，这款产品并不适合所有人，今天我来详细拆解一下这个产品的优劣势，来看看它到底适合哪些人。

 

这款产品属于一款分红型的美金储蓄保险，它的第一个优势是收益很高，回本快的同时收益稳步增长

 

如果给刚出生的孩子一次性投保25万美元，那么等到她18岁成年时，保单的价值已经增长到51.5万美元，翻了2倍多。

 

等35岁，到了她结婚生子的年纪，保单里的钱已经增长到125万美元。翻了5倍。

等她60岁退休时，保单价值因为复利效应已经涨到了惊人的553万美金，是本金的20多倍。（当然这里的回报包括保证部分和预期部分）

 

这个水平整个新加坡市场，几乎没有对手。

 

其次，最关键的是，它的保证回本时间非常快。

 

一次性交，保单第7年保证部分的钱就能实现回本。

什么意思呢，我们做个极端假设，前7年保险公司一毛钱分红都不给你，那么保险公司保证给你的钱也比本金多。

此时退保，绝对不会亏损。

 

而且，一毛钱不分的情况不可能出现，因为新加坡法律规定必须按照一九分红，保险公司拿一份，客户拿剩下的9份。

 

纵观全球有些其他市场，虽然分红险的预期收益比这个产品要高，但你可以仔细去看一下保证回本时间，基本都在15年以上，稳健性差了很多。

 

第三个优势，是这个产品功能非常丰富，用来做长期的储蓄理财规划，传承非常方便。

 

首先，它支持预设第二被保人，和更改被保人。

 

咱们都知道，一旦被保人去世，意味着保单就结束了，那对于一个长期有复利效应，越到后期，收益会增长越快的保单来说，此时结束，很可惜。

而这个产品，可以先设定一个第二被保人，假如第一个被保人出现了什么意外，第二被保人自动成为新的被保人，而且还可以多次更改。

 

可以让保单无限延续下去，这个产品的保障期限更是长达300年。

而且，如果你想把保单传给你的多个孩子，它还有保单拆分的功能，可以把保单一拆二，二拆四，让每个孩子都能感受到你的爱。

 

第四个优势，这家公司的历史分红数据非常稳！

 

过往所有美金储蓄产品，只有一款产品在一个年份出现过分红降低的情况，其它所有产品在其它所有年份都是100%及以上的达成！

 

但是，这个产品不是完全没有缺点。

第一个缺点是它的投保有门槛，趸交25万美金起，5年交每年的保费要达到5万美金以上。

其次是，它不适合短期持有，如果你在几年之内有用钱打算，投保这个产品就不合适，前期退保会有损失。

 

总的来说，下面这几类人更适合这个产品：

1、有长期的储蓄或者理财规划，比如做教育金和养老规划

2、追求复利和财富的长期稳健增值。

3、想留一笔钱给下一代。

4、担心资产聚集在同一地区或者同一货币，想要做更多分散。

 

 

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。

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；

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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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  • 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.
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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