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新加坡指数万能险：财富是多代人的托举才能成就的奇迹

嘿，小伙伴们！今天我们要聊一聊金融世界里的一大神器——万能寿险！尤其是在新加坡这个金融中心，人寿保险业早已相当发达，而万能寿险更是备受瞩目。为啥？因为它不仅是人寿保险，更是一种投资利器，尤其适合富裕人士和高净值资产人士。

首先，得搞清楚，什么是万能寿险？它可不是普通的人寿保险哦，它是人寿保险和投资计划的完美结合。这玩意能给你提供死亡或终结性疾病的保障，同时还能让你的钱躺在投资账户里长个宝。不仅如此，万能寿险还有现金价值，等你老了还能拿出来花！

那万能寿险有啥特点呢？

首先，它的交费方式超灵活，一次性交了保费就能享受高额保障。再者，你的保单还能抵押给银行贷款，最高贷款额度可达保单现金价值的70%，杠杆效应超明显。而且，你每年还能从账户里免费取现，爽翻了！

万能寿险的好处还有很多：

首先，它覆盖调整能力强，适应你的变化需求。其次，保费金额也超灵活，随你调整。还能贷款融资，遇到缺钱的时候不用愁。说到类型，新加坡的万能寿险有三种：传统、变额、指数型。

传统的投资于稳健的资产，保费相对较低；变额的可以自选投资类型，适合追求高回报的你；指数型投资指数相关，回报稳定不说还不会亏损！

类型介绍：

  1. 传统万能寿险（UL）： 这种类型的万能寿险投资于相对稳健的资产，如债券，因此保费相对较低。它提供了稳定的现金价值增长，并且是万能寿险中最廉价的选择之一。
  2. 变额万能寿险（VUL）： 这是一种更为灵活的万能寿险类型，投资者可以自由选择投资类型，从而追求更高的回报。相较于传统万能寿险，它的投资策略更加多样化，可以包括股票、基金等更高风险、更高回报的资产。
  3. 指数型万能寿险（IUL）： 这种类型的万能寿险与市场指数相关联，但并不直接投资于指数本身，而是通过金融衍生品进行投资。它提供了保底收益和封顶收益，因此风险相对较低，但回报也相对较稳定。

优势比较：

  • 传统万能寿险： 提供稳定的现金价值增长，适合那些偏好稳健投资的人士。
  • 变额万能寿险： 灵活性更高，投资策略多样化，适合追求更高回报的投资者。
  • 指数型万能寿险： 具有保底收益和封顶收益，风险相对较低，适合那些希望稳定增长的人士。

最后，要提醒一下，选择万能寿险前要搞清楚自己的财务目标，考虑好支付选项，了解收益情况，才能玩得更开心哦！

总之，万能寿险是高净值人士的不二选择，它不仅是保险，更是财富传承的利器。想要稳健增长你的财富？那就来一份万能寿险吧！

#保险探秘 #理财新风向 #财务保障 #保险小知识

下一步？

我是宇思，和你一起看世界。

微信：bigwusister / WhatsApp：90088276

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新加坡指数万能险：财富是多代人的托举才能成就的奇迹 — Engage

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 independent 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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JolysseWu 邬宇思

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Hi, I’m Jolysse. Thank you for visiting my website and I’m looking forward to getting to know you personally.

I’m an independent financial consult and strive towards helping my clients and their families to accumulate wealth and helping them grow their investment portfolios.

您好。我是宇思，您也可以叫我Jolysse。

我是一名具有8年财富管理经验的独立理财顾问，金融学&管理学双学士，先后服务过近千个私募客户，个人美股及衍生品投资最高年化收益率达366%。在信息爆炸的时代，为您用中立、专业、挑剔的眼光去选择最合适您的理财方案！

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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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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