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新加坡 | 指数万能险用来做投资，真的会翻车

跟很多小伙伴一样，刚开始也很喜欢 IUL，觉得保底理财真是稳，但随着我的经验变多，渐渐发现了太多不对劲的地方。关于IUL要注意的地方，我会用通俗易懂的方式展现给大家，里面的坑一个比一个的大，所以大家一定要看到最后，才能看到那个最大的坑。

本篇文章的目的就是分享 IUL 为什么只适合做保障，不适合做投资，希望大家能够清晰知道优缺点哦，看看自己能不能接受。小伙伴一定要记得，金融工具没有绝对好与坏，只要适合你用对了，真的会很香。

 

首先，我先快速科普一下 ，IUL有上限下限的指数投资是怎么运作的呢？

拿到 IUL 保单的时候，首先你要知道 cap floor 和 participation rate。

比如你选择的是SP500投资：

如果市场涨了18%，你的 IUL 会得到10%

如果市场上涨了5%，你的 IUL 会得到5%

如果市场下跌了6%，你的 IUL 会得到0%。

看到这，你已经对 IUL 的投资有个概念了。

 

下面我们就来细数 IUL 为什么不适合做投资。

第一个CAP。

你购买 IUL 时，关于 CAP的规定，公司可以根据市场情况调节 CAP。

比如说CAP 是10%，如果你选择的指数是纳斯达克，平均年化超过10%，那么就会浪费很多投资收益的钱。

第二保底，让你捡芝麻丢西瓜。

保险公司的背后其实基本都是投资公司，他们非常了解市场。结合市场的真实历史数据，你就知道 IUL 的真面目了。

从1928年到2023年这96间，SP500年均回报为8.7%，其中有64年增长，32年下跌，那么涨跌比例就是2:1，每2年的增长才有一年的下跌，也就是说，保险公司帮你承受一年的下跌，就可以享受2年额外的增长，而且涨幅少于10%的有29年，剩下的35年你享受不到增长。

如果你觉得从1928年开始太久远，我们可以只看2,000年开始的24年，那么数据就是16年涨，8年跌，涨跌比例依然是2：1，年中涨幅超过10%的有12年，这其中5年增长有百分之二三十，这些你都放弃了。所以这种保底机制对于10年以后才需要资金的人来说，就是捡芝麻丢西瓜。

第三个，无分红。

IUL 没有 dividend 分红。很多人认为买IUL 就是将钱投资在 指数基金里面，其实并没有，公司只是按照 index 的表现给你回报率，你并没有直接投资在指数基金里，所以不会得到分红。

那没有分红的坏处是什么呢？由于大多数人的保单都是选择的大盘 SP500指数基金，而正常他会给年均1-2%的分红，而IUL客户得不到。

我们常说的 SP500大盘年均回报是8.7%，就是加了分红后的数据，如果没有分红，SP500年均回报只有6.7%。

那么没有分红能差多少呢？

举个例子，如果你每年IUL里面的钱有1万去投资了，那么40年下来，8.7%的回报就是338万，而6.7%的回报就是197万，足足少了141万。

为什么有这么大的差别？2%的分红看着不多，但是有40年复利的时间就很多了，就是复利的魅力。

但是还没完，想要得到7.2%的回报，需要你充分享受那2:1的涨跌比例，不能限制住你的任何回报。所以在有 CAP 的情况下，你的回报会更加惨淡。因此，这个 CAP 和 floor 只有短期看起来美好，在有 cap 的被动条件下，随意调节的 CAP 会变得更加被动，然后又没了 dividend。从每股的长期回报来看，这是对投资回报的三重打击。

 

如果你已经买了IUL，看到也不要慌，因为它用来做保障，真的太适合了。

IUL的费用的确很低，物美价廉，能够撬动很大的杠杆，这就是为什么它作为保障是非常好的选择，只要你不求回报。IUL 的魅力就是以最物美价廉的方式拿到最多的赔偿，按照37岁男性，只要20万就可以有200万保额，10倍杠杆。

所以在产品的本质特性上，IUL 的优势就是保障。

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 | 指数万能险用来做投资，真的会翻车 — Engage

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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