吹水玩樂

時事理財

由家出發

媽媽天地

育兒教養

情報分享

意見反饋

聯絡管理員

我的中心

Baby Kingdom - 親子王國香港討論區 › 首頁 › 家庭理財› 宏利保險真好賺

家庭理財今日: 0|主題: 46889

收藏本版

發帖

返回列表

跳至頁

查看: 2644 | 回覆: 4

宏利保險真好賺 [複製鏈接]

jennynini

伯爵府

積分: 17806

好媽媽勳章

1^#

發表於 04-9-1 10:42 |只看該作者

宏利保險真好賺

剛食完個早餐, 留意到份8月7日的煲底報, 先知道宏利今年純利比上年多71%!!!
但我七月時就收到減紅利的通知
這幾年收到的年結紅利都越發越少
那邊賺錢, 這邊就扣減我紅利, 真是雙賺必勝有殺冇賠

早知那時就叫家人不要放宏利的股票, 幫補些都好.....

私人傳訊

dummypimp

大宅

積分: 1639

2^#

發表於 04-9-1 11:13 |只看該作者

Re: 宏利保險真好賺

That is a complete different issue.

Insurance agent make money based on the commission of your policy. The first few years of your contribution to those saving plan is their commission. However, what is the performance of your saving investment then depends on fund manger behind. The fund manger can make 100% rate of return but the insurance agent can make a loss in their company.

In short, you buy saving plan through insurance agent, insurance agent charge you commission (charge implicitly from the early years of your conrtibution), i.e., the P&L of insurance agent. Then, Your contribution is your money. Nothing to deal with Insrance agent's performance. They put your money to fund house to invest. The return depends on fund house.

私人傳訊

啊緯

複式洋房

積分: 242

3^#

發表於 04-9-1 11:54 |只看該作者

Re: 宏利保險真好賺

dummypimp 寫道:
That is a complete different issue.

Insurance agent make money based on the commission of your policy. The first few years of your contribution to those saving plan is their commission. However, what is the performance of your saving investment then depends on fund manger behind. The fund manger can make 100% rate of return but the insurance agent can make a loss in their company.

In short, you buy saving plan through insurance agent, insurance agent charge you commission (charge implicitly from the early years of your conrtibution), i.e., the P&L of insurance agent. Then, Your contribution is your money. Nothing to deal with Insrance agent's performance. They put your money to fund house to invest. The return depends on fund house.

安文章內的字眼上或理論上有些錯誤

1)就我所知宏利是一間幾大下的上市保險公司insurance company(法律上), 不是間insurance agent company! agent是代表保險公司的!(保險法上的定義)

2)agent(保險代理)當然不能定出紅利有多少, 但保險人(保險公司)可以

3)dummypimp兄說的是投資相連, 萬能/用壽險等投資型保險基金產品, 基金由 fund manager控制, 風險完全由客戶自己去承擔.

4)傳統人壽(非投資型保險)的紅利派法, 簡單來說就是保險人(保險公司)的溢利，當然紅利的發放根據多項因素而釐定，每間保險公司都不同,所以紅利可高可低。

5)公司股東的利益和保單持有人的利益可以說是對立的, 怎樣拿平衡點就要看看個CEO的技巧了~~ 不過CEO好多時又要看股東會的面色, CEO這個位都真的幾難做人
:mrgreen:

保險，是今日作明日的準備，生時作死時的準備，父母為兒女作準備，兒女幼小時作兒女長大時的準備，如此而已．今天準備明天，這是真穩健；生時準備死時，這是真曠達；父母為兒女準備，這是真慈愛；不能做到這三點的，不能稱為現代人。－－胡適 消費與保險 　　女人的衣服裡，永遠少一件衣裳。　　家庭的消費，也像女人的衣櫃，花起錢來永遠嫌少，一件昂貴的衣服，一次花費的應酬等，不但使家庭不必要的開支增加，而且難以累積足夠的應急錢，一旦遇上風險，生活就會捉襟見肘。　　其實我們只要稍做計劃，將一部分平時隨意花掉的錢留下來，就可輕鬆獲得一筆家庭所必需的應急錢，以備在關鍵時刻，發揮巨大作用，保險，是衣櫃裡永遠也少不了的"衣裳"。

私人傳訊

Honey

公爵府

積分: 27949

4^#

發表於 04-9-1 12:35 |只看該作者

Re: 宏利保險真好賺

Nexx Magazine Tony always says Manual Life is a good insurance company in terms of stock investment.

My Mom was given shares of Manual Life several years ago and still keeping them, she receives dividend every quarter and the market value of the shares increase and increase.

However, it is too expensive to buy shares of Manual Life coz it is around $318 a share, the cost is too high now.

And there is no relationship in the performance of company profit with your insurance policies dividend. All insurance companies reduce their dividend arccording to the so called martet situation.

我將這事告訴你們,是叫你們在我裡面有平安.在世上你們有苦難,但你們可以放心,我已經勝了世界. (約16:33)Born 3.02kg/1m 4.52kg/2m 6.06kg/3m10d 7.19kg/4m25d 8.38kg/6m 8.79kg/7m 9kg/8m 9.6kg/10m3w 10.2kg/12m 10.2kg/13m 10.8kg/16m 11.2kg

私人傳訊

dummypimp

大宅

積分: 1639

5^#

發表於 04-9-1 14:42 |只看該作者

Re: 宏利保險真好賺

Sorry, I may have mis-interpreted the topic...

Regarding the stock dividend on stock investment, there are several views on dividend payment:

1. Some stocks paid regular dividend with yield of ,say, 4%, like CLP Hldg. These are usually utility stocks. Some fund with investment objective of receiving regular cash flow and capital protection would like to invest in this kind of stocks.

2. Some Analysts view dividend payment from the perspective of growth. When the company's earning power is high, or with attractive EBITA, yet do not pay a high dividend, i.e. low payout ratio, may imply a high growth opportunity for the company. Exactly the oppsite is when the div payout is high, the company may be regarded as low growth potential. This is true to the extent that when the company's earning is good but do not have any other opportunity to re-invest the money, the cash of the company may become idle, so payout as dividend.

3. Yet some analyst might downgrade the stock if the div payment suddenly decrease. This is due to the matching of the investment objective of the fund.