新加坡 | 面对孩子的教育储蓄和自己的退休规划,你是否也有这些疑惑?

        面对孩子的“教育储蓄计划”和自己的“补充退休收入规划”这两大问题,在华人家庭面临,根本不是没有选择的问题,而是选择实在是太多了,不知道哪个相对更好,更适合自己家庭的问题。而一些华人家庭中意买房子,出租收租,等待升值,然后等孩子念大学的时候出售兑换成现金,一次性交付孩子的高等教育学费,也是选择之一。

 

上面各种各样的方式,适合不同类型的家庭,这些“选择”之间,也并不是一个“非此即彼”的关系。从我们的角度来看,如果力所能及,所有的财务规划方案和金融工具都进行持有,绝对是最好的选择。

 

那有没有一种比较简洁,相对更优的财务方案,既可以帮助我们为子女做好大学教育金储蓄计划,又能兼顾自己的退休养老收入问题?

 

最近,我的一名客户,Ava也正在研究这个问题。

 

Ava今年34岁,女儿在两天前刚刚过完2岁的生日。Ava感受到父母的责任,想要为女儿留一份保障,随时守护着孩子。

与此同时,因为不断上涨的新加坡高等教育学费,Ava想要提前为女儿的大学学费进行储蓄规划,避免到时候面临需要一下子拿出一大笔钱的资金周转困境。

最后,Ava也希望在子女毕业后,自己可以安心地享受退休生活,因此需要提前做好退休后的补充收入的准备。

 

女儿的保障,学费,加上自己的退休金,我向她建议使用特定的投资型保险账户设计,来帮助实现她的目标。

 

在本文中,我将分析Ava使用投资连接险进行教育储蓄计划,以及自己的退休收入规划的生命周期图。

 

新加坡 | 面对孩子的教育储蓄和自己的退休规划,你是否也有这些疑惑? — Engage

 

通过分析该设计方案的原理,我们可以举一反三,选择出适合自己家庭的储蓄财务规划。

 

案例分析 

 

Ava申请了一份追踪指数的投资型保单账户,每年存入$20000的保费,连续存15年。 在孩子18岁那一年,Ava停止存入保费。

新加坡 | 面对孩子的教育储蓄和自己的退休规划,你是否也有这些疑惑? — Engage

 

与此同时,Ava开始从该保单账户提取免税的资金,用来支付女儿4年的大学学费,每年2万新币。

4年后,女儿大学毕业了,Ava也已经54岁了。

 

新加坡 | 面对孩子的教育储蓄和自己的退休规划,你是否也有这些疑惑? — Engage

 

当Ava到了65岁的时候,每年开始从保单账户中提取$6.8万免税的资金,作为补充的退休收入。 保单中剩余的资金或身故赔偿金,将在Ava去世的时候,支付给她的受益人。

 

新加坡 | 面对孩子的教育储蓄和自己的退休规划,你是否也有这些疑惑? — Engage

 

        这么做的优势是什么?

1、Ava每年能从保单账户中为孩子提供$20,000的学费,这笔钱是完全免税的。

2、从保单里支取的钱,不会影响孩子申请额外的助学贷款。

3、等Ava到了65岁的时候,每年可以从保单账户中提取免税退休金6.8万作为收入补充,提取到100岁,合计$238万。

4、Ava在陪伴孩子成长的过程中,如果遭遇了任何意外,孩子都会有一份资金上的保障。

 

在这个案例中,Ava总共支付保费$30万新币。而从这个保单账户的潜在支取——包括退休金支出和孩子的教育支出——累计在生前提取了$246万新币,而在过世后,还会留下一笔钱给后人。

 

常见问题FAQ 

Q1:每年存$20000太少,能不能每年存$6万,$60万?

A1:可以。当我们掌握了运用这类利用特定人寿保单,进行财富规划的原理后,第一反应就是想要用保单账户“藏入尽可能多的”钱。

 

Q2:我怎么知道保单账户最多能存多少钱?能拿多少钱?

A2: 保单账户能存入的最多钱,主要由年龄,性别,健康状况及保额等诸多因素决定,每一个保单账户的申请都是量身订制。不同保险公司的不同产品和市场定位,配套不同的设计方案,也会影响我们的保单账户申请。

 

因此,在进行这类兼顾家长“退休收入领取”和“孩子教育金学费领取”的综合型财务规划时,可以先和专业的财务顾问合作,对财务规划方案和保单账户选品进行讨论,了解怎么存,存多少,有多少附加福利,不同的时间段最多拿出多少钱,最终实现终身财务和保障2合1综合规划的目标。

 

I’m JolysseWu 😊
我是独立财务顾问 Jolysse 邬宇思,专注于资产规划,为您打造适合您家庭的财富方案。感谢一路以来的支持与信任!💖

新加坡 | 面对孩子的教育储蓄和自己的退休规划,你是否也有这些疑惑? — 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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