答案是:效果完全不一样。
各个保险公司的成本核算方式、资产管理能力和擅长领域各不相同,旗下的指数型保险产品的现金值能力也各不相同。
如果我们的需求是“最大化退休收入”,但是选品上却选择了一款“保障型”的指数型保单产品,又或者是,选“对”了产品,却被设计了一份“不对”的方案,那么多年以后,我们的保单账户上的现金值,将会产生不小的差异。
具体我们会少拿多少钱?
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.
我是宇思,和你一起看世界。
微信:Yusi_Wo / WhatsApp:90088276
新加坡全牌照理财顾问
Representing Financial Alliance Pte Ltd
Singapore Largest Independent Financial Adviser
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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