大家好呀~今天咱们聊一个不少家庭都会遇到的难题——既要给孩子准备教育储蓄,还要规划好自己的退休金。是不是感觉选择特别多,不知道哪种适合自己?今天我们就用一个真实的例子来看看,怎么做到“鱼与熊掌兼得”!
咱们的主人公Ava,34岁,是个新加坡妈妈。女儿刚刚满2岁~Ava最近就在考虑:将来孩子上大学的费用每年可能要S$20,000甚至更多,要是当时突然拿不出这笔钱可咋办呢?而且,自己也不小了,总得早点考虑退休的生活吧!于是,Ava找了我来咨询。
我给她推荐了一款“指数型保单账户”。简单来说,就是通过这份保单,不仅可以储蓄孩子的教育金,还能把退休储蓄给安排上。Ava觉得挺心动的,那这份计划到底是怎么做的呢?
Ava的计划特别清晰,分成几个阶段:
这份指数型保单账户让Ava能做到两件事:
总体来说,Ava一共投入了大约S$120,000,但通过这个保单,总共可以提取到S$680,000,剩余的金额还能作为遗产,继续留给下一代。
如果你也在为孩子的教育储蓄和自己的退休金发愁,可以参考这种“一举两得”的保单设计,找到最适合你家庭的财务方案!如果有问题,记得随时联系我呀!
下一步?
若你想了解新加坡全方位的理财规划(包括保险/投资/资产分配),欢迎联系我, WhatsApp +65 90088276 或者微信 Yusi_Wo.
I’m JolysseWu 😊, I’m a independent financial adviser, thank you for being part of this journey! 💖
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.
A Little about me:
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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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