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富豪们为什么首选新加坡保险？

根据招商银行和贝恩公司联合发布的《2023年中国私人财富报告》，高净值人群将30%的资产配置在海外。

富豪们为什么首选新加坡保险？ — Engage

为什么富豪越来越热衷于购买新加坡保险呢？
主要是因为新加坡保险有五大优势，能够满足富豪的真实需求；或者说，新加坡的保险产品就是为富豪量身定做的。

 新加坡的五大优势
根据调研，富豪购买新加坡保险主要因为以下五个原因：

1. 比内地产品收益高
一般来说，新加坡保险的收益能达到内地保险的2倍。内地保险的长期复利收益仅为3%左右，且随着利率下行，3%收益的产品越来越少。但新加坡保险的分红率较高，长期综合复利能达到6%以上。从历史数据来看，新加坡保险的分红稳定，目前都实现了兑付。相比之下，内地保险的收益增长显得逊色。例如：

– 到第30年，新加坡保险的收益增长了7.1倍，而内地保险仅增长了3.1倍，收益相差2倍；
– 到第50年，新加坡保险的收益增长了57倍，而内地保险仅增长了6.8倍，收益差距达8倍。

2. 合理合法持有海外资产
由于中国实行外汇管制，个人不能自由兑换外币。但新加坡的储蓄险统一采用美元计价，持有新加坡保险等同于持有美元，这是完全合法的。此外，新加坡保险属于离岸资产，不纳入征税范围，可以实现“风险隔离”，避债避税。另外，新加坡的保险公司注重个人隐私，保护个人财产，安全保密。

3. 强大的隔离能力
新加坡保险属于离岸资产，即使在内地遇到法律纠纷，新加坡保险保单不会被强制执行。这在某些情况下非常重要，确保资产稳如泰山。

4. 绝佳的传承手段
新加坡保险的一个绝佳优点是可以指定受益人和分配比例。这意味着新加坡保险可以作为财富传承的优质媒介。通过新加坡保险将财富留给后代，无需公证，不需要其他合法继承人的同意，可以最大限度地按照本人的意愿分配财富。

新加坡保险相对于内地房产的优势
过去很多年，内地富豪喜欢通过购买房产来理财。对比新加坡保险和内地房地产，可以发现新加坡保险理财优势明显，这也是近年来新加坡保险备受内地富豪重视的原因。

1. 保本优势
以新加坡某保险产品为例，在5年交费的情况下，通常7年回本。即使遇上持续多年的金融危机，多年无分红（这种概率极低），第13年也能回本。相比之下，内地房地产市场下行期，房价跌个20%、30%是常事，买房不具备“保本”功能。

2. 利息优势
根据统计，目前在上海市内环附近，即便是价值千万的房子，年化租金回报也只有10万元左右，回报率仅1%。而新加坡保险产品则不同，最快可以实现2/2/5或5/6/7提领，即2年期产品可以从第2个保单年度开始提取，每年领取总保费的5%至终身。抛开房屋价格波动，单看租金回报，新加坡保险都比内地房产收益高数倍。

3. 长期回报优势
内地房屋产权只有70年，而新加坡保险产品能提供128年的保障，甚至可以实现“代际间”的财富延续。在投资方面，新加坡保险积极挖掘有潜力的行业，寻求优于市场表现的标的，进可加速增长，退可减速回撤，实现真正的稳健增长。

综上所述，在当前利率下行、宏观环境复杂的背景下，新加坡保险正被越来越多的富豪青睐。如果大家对新加坡保险感兴趣，欢迎联系我们的专业顾问进行咨询。

希望这篇文章对你有帮助！有任何问题或想了解更多，欢迎留言或私信我📩！

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Jolysse邬宇思

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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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  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
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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