新加坡终身分红年金

在新加坡金融产品众多的市场中,3.6%的新币终身分红年金正逐渐受到更多投资者的关注。对于年轻人来说,这个收益率可能不算特别高,但对于稳健投资者而言,这类产品具备低风险且流动性也相对不错,让我来解析以下几个关键优点。

 

1. 相对收益率,3.6%算高吗?

收益率的高低需要结合多个因素来综合评估,将3.6%的年金与高风险投资工具如股票基金或投资型保单相比,的确显得较为保守。但年金的最大优势在于本金安全有保证的收益。相比之下,银行的新币定期存款和新币货币基金目前的收益率约为2.6%,且在当前经济环境下,利率很可能进一步下降。

因此,对于那些风险偏好较低的投资者来说,3.6%新币终身年金实际上提供了一个收益高于大部分低风险产品的稳健选择。它兼顾了稳定的回报和资金安全,是长期财富保值的理想工具。

 

2. 风险与回报,为何保本重要?

面临全球经济不确定性的背景下,保本型金融工具越来越受到关注。地缘政治紧张、供应链问题及经济下行风险等因素使得财富保值变得尤其重要。对于中高龄投资者而言,保护本金的安全性往往比追求高回报更为关键。

投资时需要注意资产配置,不能将所有资产集中在高风险产品中,但也不能把所有资产都投入到绝对安全的投资中,收益率也不会很可观。理想的做法是将大部分资金投向保守型资产,同时留一部分资金进行收益更高但有些风险的投资,以实现稳健平衡的组合。

 

年金保险还具备以下关键功能:

  1. 保本金安全
    从第三保单年度开始,年金保险保证您的本金安全。即使市场波动,您的本金也不会受损。如果您选择在第三年退保,还能回本。
  2. 财富传承
    您可以指定第二受保人,这样即使首位受保人去世,第二受保人仍可继续领取年金。这使得年金保险不仅是理财工具,还是家族财富的“安全港”。

新加坡的储蓄分红年金包含保证收益和非保证收益。在选择产品时,您需要关注合同中的长期收益率和分红情况,因为不同保险公司可能会有不同的收益和分红政策。

 

3. 同时兼安全性与灵活性

许多人对终身年金的顾虑在于其流动性不足,但这款产品设计时特别考虑到了这一点,提供了如下优势:

  1. 强大的流动性
    从第三年末开始,可以随时退保并取回本金,灵活应对紧急的财务需求。这意味着即使是长期投资,也能在需要时取回资金。
  2. 终身保障
    这款年金保险不仅是短期理财工具,它的分红收益可持续终身,真正实现“活多久拿多久”的保障,确保您的长期财务安全。

 

4. 为何当前是投资的好时机?

随着全球经济复杂性的增加,财富管理逐渐从“高风险高回报”转向“稳中求胜”的方向。3.6%的分红终身年金恰好顺应这一趋势,成为市场上的一款代表性产品。

这款终身年金产品在安全性、灵活性和收益性之间达到平衡点,适合用来应对经济不确定性,也可以作为家庭财富管理的工具。对于那些注重保本和稳定回报的投资者来说,这款产品值得关注。

总得来说,当前经济环境的不确定性让很多投资者更加倾向于选择低风险、稳健回报的产品。新加坡终身年金能够有效对冲通货膨胀和市场波动带来的影响,成为理想的财富管理工具。

综上所述,新币3.6%的新加坡终身年金,凭借其高于市场平均水平的回报率、保本保障、长期收益、财富传承和流动性等优势,成为越来越多投资者的首选。

 

如想了解更多或财富管理资产配置问题,欢迎随时联系我。

微信号:a19842182457 或 WA:+65 9465 3813

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.

Published By:

Martin Hsia 乙未

歡迎來到我的個人網站,我是Martin乙未,土生土長的台灣人。曾經在澳大利亞和上海求學,目前定居於新加坡。

從小便對財務與投資充滿興趣,尤其是在家庭的熏陶下,這股熱情愈加濃烈。13歲時,便在金融海嘯中擁有了人生的第一張股票,也由此踏上了投資之路。在30歲之前,我成功累積了自己的第一桶金,達到8位數字。

目前,我在新加坡最大的獨立理財顧問公司工作,專注於為客戶提供資產增值和風險管理的專業服務,協助他們在多變的市場環境中穩健成長。

你可以在微信視屏號,小紅書,IG , YouTube, FB 找到我哦. 都是統一名字: 馬丁的悄悄話。

希望未來可以成為您在新加坡,投資理財的資源人士。

持續不斷為您輸出有價值的訊息,成為您在新加坡值得信賴的理財顧問。

 

 

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  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照,并许可在新加坡共和国境内依据财务顾问法(第110章)和证券与期货交易法(第289章)进行财务咨询等相关业务
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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