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刚来新加坡，把握四大观点让你不买错！

很多人刚来到新加坡，往往优先考虑购买储蓄险，认为存钱是首要任务。然而，因为没有迫切的需求，容易产生一些错误观念，比如“年轻不需要保险”、“等老了再投保”或“有医疗险就够用了”，从而忽视了长远的保险规划。为了帮助新移民正确理财，这里有4个不可不知的重要观念：

观念一：投资和保险要分开
保险的核心是保障，而不是投资。要优先考虑自身保障，等有余力时再考虑投资。评估保障是否足够时，可以从两个方面入手：

  • 万一不幸身故，是否足够覆盖个人的丧葬费和父母的生活费。
  • 万一重伤或残疾，失去工作能力，是否能够应对个人和父母的生活费及后续的看护费用。

 

观念二：薪资不高，选择低保费高保障的产品
刚出社会的年轻人，收入有限，钱要花在刀口上。可以选择定期险，例如“定期寿险”，这种保险提供特定期限内的保障，保费较低，保障额度高，适合收入不高的年轻人。

 

观念三：保费不应超过总收入的10%
保险的目的是转移风险，而不是购买越多越好。对于年轻人来说，如果买了过多的保险，可能会因支付不起保费而导致保单失效。因此，建议保费不应超过年收入的10%。

 

观念四：终身险并非不好，但要根据自身状况评估
终身险是真的很好，但如果预算有限，建议年轻人先不要把大部分预算用在终身险上。可以优先选择保障期限较短、保费较低的定期险种，之后再根据财务状况增加保障。

 

新移民买保险的优先顺序
购买保险时，可以根据预算和可能遇到的风险来选择保单。如果预算有限，可以选择低保额的终身主约，搭配定期险种补足保障。特别是如果家族有特定疾病或癌症病史，优先考虑一次性给付型的重大疾病险或癌症险。建议的投保顺序为：

  1. 定期寿险
  2. 意外险（附加意外伤害医疗险）
  3. 实支实付住院险
  4. 一次性给付型重大疾病险
  5. 投资连接险

 

小资族的完整保障建议：

  • 寿险保额：10年年薪
  • 癌症险/重大疾病险保额：5-10年年薪
  • 医疗险：实支实付+杂费
  • 早期重疾险：2-5年年薪
  • 意外险：实支实付

选购定期寿险的小贴士
定期寿险保费低、保障高，但需要注意一些细节。具体费率会依各家寿险公司的保单设计而不同。

 

I’m JolysseWu 😊, I’m a independent financial adviser, thank you for being part of this journey!

💖微信：Yusi_Wo / WhatsApp：90088276

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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