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IUL为什么能到做到跟涨不跟跌？

很多人喜欢IUL最主要的原因，就是因为它的设计非常符合人性，跟涨不跟跌。

 

IUL会设置一个cap rate,一个floor rate。

假设一个跟踪标普500的IUL，cap rate是10%，floor rate是0%。

那这就意味着，如果当年标普500上涨超过10%，保单会按照10%派息。

如果上涨在10%以内，会按照实际收益派息。

如果亏损，不管是负10% 30%还是50%，派息率一律为0。

 

很多客户都经常有这个疑问，IUL为什么可以能下有保底？

 

那根本原因呢，还是由IUL的运作原理决定的。

 

保险公司在收到你的保费之后，会把扣除保费费用之后净保费，大约90%左右的钱会投向固收类资产，比如债券等，而剩下的10%左右的钱会去买一些衍生品，比如指数的看涨期权。

 

这样债券的利息可以使得整个投资组合实现保本，而指数的看涨期权则对组合贡献了更大的收益。

如果市场上涨，期权会赚取收益，保险公司则会给客户分配一定的收益，

如果市场下跌，则期权失效，但同时客户也不亏钱，因为本金由保守资产保证。

 

举个简单的例子，就类似于你有100块钱，把其中的98块钱存到余额宝，剩下的2块钱用来刮彩票。

刮中了就赚钱，刮不中，只损失这2块钱，而98块钱存在余额宝的利息可以使得你原有的100元本金丝毫不动，实现保本。

所以，就算指数下跌了，你的保单最多派息是0，而不会亏损。

 

 

所以相比于直接投资资本市场，IUL虽然牺牲了一部分上涨带来的收益，但更加稳妥，换来了亏本时的兜底收益，给我们稳稳的安全感。

 

如果你想投资指数，又不想承担亏损的风险，可以来跟我们聊聊纯理财型的IUL！

 

我是Joey，一名从业12年的新加坡资深财富管理顾问~

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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  • 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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  • 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