让我们用更轻松的方式来聊聊指数万能险(IUL)。
想象一下,你有一个神奇的存钱罐,你往里面投硬币(也就是你的保费),这个存钱罐不仅保证你的硬币不会少,有时候还能变出更多的硬币(市场指数涨了,你的钱也跟着涨)。但如果明天硬币不值钱了(市场跌了),你的存钱罐里的硬币数量至少不会变少,保证你不会亏。这就是指数万能险的基本思路。
那么,IUL到底是个啥?
IUL是一种“超级保险”,它不只是保证你去世后留给家人一笔钱,还能让你的钱在保险账户里“钱生钱”。这就像是给你的财富装了个“涡轮增压器”,希望它在安全的前提下尽可能地增长。
IUL怎么帮你赚钱?
IUL的赚钱秘诀在于它跟股票市场的指数(比如标普500)挂钩。如果这些指数涨了,你的保险账户里的钱也会跟着涨。但别担心,如果指数跌了,你的账户至少不会亏,因为通常有个保底利率(比如0%)。
IUL有什么好处?
IUL适合谁?
如果你是一个既想要保障又不想让钱躺着睡觉,希望它能跑赢通货膨胀,甚至想要为家人留下更多财富的人,那么IUL可能适合你。
要注意什么?
虽然IUL听起来很美好,但它也有一些需要注意的坑:
总之,IUL就像是个有安全网的蹦极跳,你可以尽情享受“飞一般”的感觉,同时又不用担心会摔疼。不过,在跳之前,了解清楚规则和风险总是明智的。
希望这个分享能帮你更好地理解家族信托!如果你也有传承财富的计划,不妨考虑一下这个工具哦!😊
下一步?
我是宇思,和你一起看世界。
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新加坡全牌照理财顾问
Representing Financial Alliance Pte Ltd
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